Applicant type

Individuals, Companies, Trusts.

Employment requirements

P.A.Y.G. must be full-time or part-time permanent. If Self-Employed, two years.

Income: required proofs

P.A.Y.G. Pay slips, group certificates or employer letter. Self-employed, two years tax returns. Can also be low Doc

Loan amounts minimum & maximum

$30k to $2 mil

Purpose

Owner-Occupied, or Investment

LVR

If Non-genuine savings 90% LVR
If Genuine savings 95% LVR

Coded, non-coded, or either

Either

Credit related issues

CLEAR. Very minor but paid defaults may be O.K.

Variable, fixed or both

Variable only

P&I, I/O, or both

Interest only If > $85%, max 5 years
If < $85%, max 10 year

Residency Status

Citizens and permanent residents

Comments, special conditions

Approximate  rate

Call us for the best rate