Clients you can help
Every client’s situation is unique, so whether they’ve recently experienced an unexpected life event, recently started a business or perhaps looking to leverage existing home equity, we have a range of options.
Clients you can help
Every client’s situation is unique, so whether they’ve recently experienced an unexpected life event, recently started a business or perhaps looking to leverage existing home equity, we have a range of options.
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Self-employed
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Refinancer
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Investors
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First home buyers
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Real Life events
Growth or cashflow: Stress-free home loans for self-employed clients
Help your clients get their home loan sorted so they can focus on growing their business.
We don’t just look at the black and white boxes on the application. We make the effort to get to know the client – the person behind the application.
Profile
- Want to release equity or reduce cashflow
- Newly established business
- Growing business
Credit Policy
- Company or trust borrowers
- Consolidation of business or tax debt
- Tax debt remaining on payment plan
- Full Doc and Alt Doc options
- 2 forms of income verification plus declaration of financial position
Our approach
- Direct access to Credit Team
- 1 business day turnaround times
- Complex applications treated simply
- Transparent & consistent credit policy
- A flexible approach to assessing loans
Growth or consolidation: Refinancing could change their game
Refinancing can help reshape a client's financial situation.
Equity could be used for cash-out, allowing them to invest in their kids’ education, buy a boat, or get stuck into that long-overdue renovation.
Likewise, it could help them consolidate debts or bring multiple mortgages together with one lender so they can streamline their financial commitments. What’s more, even if they’ve had a few blips on their credit record, they may still be able to refinance their home loan.
Profile
- Looking to refinance to get back on track
- Looking to leverage value in their home to improve cash flow
- Looking to access equity
- Looking to consolidate existing debts
Credit Policy
- No limit to cash out (subject to loan size and Loan to Value ratio limits)
- Late payments and mortgage arrears considered
- Consolidation of private and solicitor finance debts
- IRD tax debt and business debt
- Discharged bankrupt 1 day considered
- No limit to number of debts consolidated
Our approach
- Direct access to Credit Team
- 1 business day turnaround times
- Complex applications treated simply
- Transparent & consistent credit policy
- A flexible approach to assessing loans
Invested in their success
Investing in property is an opportunity that could generate returns over time and play a significant role in helping to grow your client's wealth.
We get the level of thinking and planning that goes into a venture like property investment. That’s why we keep things at our end as simple, streamlined and flexible as possible.
Profile
- Looking to invest in multiple properties
- Professional investors
- First time investors
Credit Policy
- No additional loading for investors or Interest Only loans
- No debt-to-income ratio limit
- 80% rental income accepted for servicing
- Mortgage debts from other lenders taken at actual payments with a 25% buffer
- Inheritance used for funds to complete accepted
- No notional rent if client has rent free accommodation
- Income from a trust accepted
Our approach
- Direct access to credit team
- 1 business day turnaround times
- Complex applications treated simply
- Transparent & consistent credit policy
- A flexible approach to assessing loans
Get their feet on the property ladder
They’ve saved their deposit and are looking forward to making themselves at home. It’s a big commitment with a lot of change. The good news is we’re here to make the move to home ownership as easy as possible.
Profile
- Buying their first home with a gifted deposit
- Getting onto the ladder with an investment property
Credit Policy
- Non-standard income
- First home Grant considered for deposit
- 80% of estimated rental income
- Lock-in a fixed rate for repayment certainty (early repayment fees apply)
- Borrow up to 80% LVR or 85% LVR for new build loans in metro locations
- No fee for additional payments (up to $10k for fixed rate loans)
Our approach
- Direct access to Credit Team
- 1 business day turnaround times
- Complex applications treated simply
- Transparent & consistent credit policy
- A flexible approach to assessing loans
Get life back under control
Real life happens and sometimes clients face unexpected hurdles. From a small change in circumstances through to big shifts, it can sometimes be tough for them to get on track.
We don’t think financial events in the past should always hold them back from their financial future, which is why our responsible lending assessment of each home loan application includes an evaluation of the person behind the numbers.
Profile
- Recent divorce or separation
- Unexpected illness
- Unexpected employment changes
- Poor credit record
- Bankruptcy
Credit Policy
- IO (max 5 years) followed by P&I
- Child support (no age limit)
- Work and families payments (no age limit)
- Work and income pensions
- Defaults and judgments
- Court writs and summons
- Arrears or late payments
- Discharged bankruptcy (1 day)
Getting to yes
- Direct access to credit team
- 1 business day turnaround times
- Complex applications treated simply
- Transparent & consistent credit policy
- A flexible approach to assessing loans
