Categories of Products

Full Doc

Full Document loans are loans designed for clients who have all the necessary supporting documents. If you can support your income, you can then choose among a greater choice of products. We can assist in showing you the best products that fit your needs.

Low Doc

Low Document loans are designed for the self-employed who find it difficult to provide some of the documentation required to prove income. Low Doc and No Doc loans were created in response to the growing needs of clients who wished to finance, but were unable to produce the documents required in a Full Documentation Loan. Low Doc loans don’t require the same level of “documentation” as “Full Doc loans”. If you have difficulty documenting your financial position with regular pay slips, tax returns or business financials etc, or there are numerous vehicles for which you derive income, a Low Doc loan can be the solution.

No Doc

No Doc loans are designed for clients that do not have documents to prove income as well as do not know their annual income. However the client knows they can afford the repayments. We can provide up to 70% LVR on a No Doc loan.

There is a growing range of No Doc products on the market, with many lenders offering standard and premium No Doc loans with the choice of fixed or variable interest rates. Borrowers also get access to a range of loan features and options never previously available.

With the current tightening of the credit markets, No Doc loans are becoming increasingly difficult to come by. If this type of loan is required, we welcome a discussion of the client’s needs to confirm this is the only option.

Specialised, Non-Conforming or Credit Impaired

Specialised loans can be non-conforming, flexible home loan products for borrowers who are unable to meet the requirements of traditional lenders. We understand that every customer has individual needs and therefore our specialist underwriting team assess each application on its individual merits so we can provide a solution that best addresses those needs.


If you are building a new house or renovating your existing home, this loan will help reduce interest payments during the first year of construction.
A Construction Loan allows you to repay only the minimum amount until construction or renovation is completed. Construction loans allow the customer to borrow on the end value of the property, thus maximising the LVR and lowering the amount of liquid funds required.



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