Lenders                                                 

Interest Rate                                                    

Features                                                                                                                        

5.29% Fixed 3 years 

OR

5.70% Variable

 Minimum ABN period

2 years 

Documentations Required 

• 6 month business trading statements and 12  month BAS

Features

No LMI up ot 60% LVR

• Refinance and purchase
• 100% Offset account
• Part of the major bank ( NAB)
• Up to 80% LVR allowed with LMI at the same interest rate 
• No cash out 

5.39% Fixed 3 years 

OR

5.90% Variable

  Minimum ABN period

12 month 

Documentations Required 

• Accountants letter only for loan under $500,000
• for loans over $500,000 - Require 6 month trading statements OR 6 month BAS

Features

• Refinance and purchase
• Constructions loans allowed 
• No GST required / No BAS for income under $75,000
• Accounts letter only! 
• Option to convert to a full doc loan with standard rates if 2 years financial tax returns can be provided ( no cost to switch) 

Lenders                                                 

Interest Rate                                                     

Features                                                                                                                        

5.39% Fixed 3 years 

OR

5.90% Variable

Minimum ABN period

12 month 

Documentations Required 

• Accountants letter only for loan under $500,000 up to 80% LVR 
• for loans over $500,000 - Require 6 month trading statements OR 6 month BAS

Features

• Refinance and purchase
• Constructions loans allowed
• No GST required / No BAS for income under $75,000
• Accounts letter only! 
• Option to convert to a full doc loan with standard rates if 2 years financial tax returns can be provided ( no cost to switch) 

7.34 % Variable

Minimum ABN period

2 years

Documentations Required 

• Accountants Letter only OR
• 6 month BAS  OR
  
• 6 month business trading statements

Features

• Unlimited cash out up to 80% LVR ( Business purpose, Debt consolidation or ATO payout all acceptable)
• NO LMI - Risk fee applies ( cheaper than LMI)
• Trust and Company borrower acceptable
• No GST required / No BAS for income under $75,000
• Loan up to $1,500,000 acceptable 

Lenders                                                 

Interest Rate                                                     

Features                                                                                                                        

9.85% (90% LVR)

* Debt, bad credit, ATO debt allowed

Minimum ABN period

3 years  

Documentations Required 

• Accountants Letter only   OR
• 12 month BAS

Features

• Up to 85- 90% LVR considered
• Credit defaults allowed
• ATO debt allowed
• Debt consolidation and
• Cash out allowed up to 80% Unlimited 
• No LMI - Risk fee applies
• Ability to switch to a lower rate product after 12 month**
• Vacant land allowed ( no construction)- rate loading applies. 

6.85% (60% LVR)

1 day old ABN

Minimum ABN period

1 day old ABN loan 

Documentations Required 

• Accountants Letter only to confirm you can service the loan
• Or Contracts in place to confirm income

Features

Refinance and purchase

• Risk fee applies
• Ability to switch to a lower rate product after 12 month**