Residential Rate Watch

Rate to Borrower is the top line, Comparison Rate is in bracketed italics on the 2nd line, maximum loan size for the applicable LVR is on the 3rd line and the Risk Fee is on the 4th line. If a dash (-) appears in the Clawback column, there is no Clawback on that particular product. Some products (e.g. Purple) have the same rate for OO & Inv (no rate loading). Rates and fees are subject to change at any time without notice.

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Loan Type	Loan Name	55%	60%	65%	70%	75%	80%	85%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Navy	Navy Options Altdoc OO			6.74% (7.16%) $2,000,000 [n/a]	6.94% (7.36%) $2,000,000 [n/a]	7.08% (7.49%) $2,000,000 [n/a]	7.08% (7.49%) $1,750,000 [n/a]		11 May 2026	31 Mar 2026	18 mths	Clawback	1, 2	0.20%	$330 - Individuals; $550 - Company or Trusts	OO	PI	12 mths	30 yrs	$100,000	$2,000,000	Optional Offsets [1 per split] available - rate loading of 0.10%pa \| Max 10ha (25 acres) \|Discount for Dual Income Verification \| Acct Dec or 12 mths BAS \| Can go to $2.5m @ 65% - POA \| 12 mths ABN with 2 yrs industry experience \|😊😊😊
Navy	Navy Options Visa Altdoc OO			7.04% (7.46%) $2,000,000 [n/a]	7.24% (7.65%) $2,000,000 [n/a]	7.38% (7.79%) $2,000,000 [n/a]	7.38% (7.79%) $1,750,000 [n/a]		11 May 2026	31 Mar 2026	18 mths	Clawback	1, 2	0.20%	$330 Individuals \| $550 Company or Trusts	OO	PI	12 mths	30 yrs	$100,000	$2,000,000	Optional Offset available - rate loading of 0.10%pa \| Discount for Dual Income Verification \| Acct Dec or 12 mths BAS \|12 mths ABN with 2 yrs industry experience \| Acceptable Visas: 188 , 309, 444, 475, 476, 485, 487, 489, 500, 820, 884, Bridging A & B \|😊😊😊
Ocean	D1 Diamond A Altdoc OO			6.94% (7.03%) $2,000,000 [n/a]	7.04% (7.13%) $2,000,000 [n/a]	7.04% (7.13%) $2,000,000 [n/a]	7.14% (7.23%) $2,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.50%	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	No Risk Fee \| Max. 5 acres (2.2ha) \|
Ocean	D2 Diamond Max A - Altdoc OO			6.94% (7.07%) $3,000,000 [n/a]	7.04% (7.17%) $3,000,000 [n/a]	7.04% (7.17%) $3,000,000 [n/a]	7.14% (7.27%) $3,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.85%	OO	PI	24 mths	30 yrs	$2,000,000	$3,000,000	No Risk Fee \|Max. 5 acres (2.2ha) \| Rate Loading of 0.25% for loans >$2.0m WAIVED UFN \|
Ocean	D2a Ocean Diamond 85 Altdoc \| FD - OO							7.84% (7.95%) $1,750,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	OO, INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	D4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals]		7.74% (7.86%) $3,500,000 [n/a]						11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$3,500,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Cat 1 & 2 locations excl Capital cities \|
Ocean	D4 Prestige A Altdoc \| FD - [Capitals excl Mel & Syd]		7.74% (7.82%) $5,000,000 [n/a]						11 May 2026	-	Nil mths	No Clawback	1	Nil	0,95%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$5,000,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Sydney & Melbourne securities ONLY \|
Ocean	D4 Prestige A Altdoc \| FD - [MEL SYD]			7.74% (7.82%) $5,000,000 [n/a]	8.29% (8.37%) $5,000,000 [n/a]	8.29% (8.37%) $3,500,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	0,95%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$5,000,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Sydney & Melbourne securities ONLY \|
Ocean	D5 Bridging - End Debt (ED) AB			8.24% (8.39%) $5,000,000 [n/a]		8.49% (8.64%) $5,000,000 [n/a]	8.64% (8.79%) $5,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO	12 mths	30 yrs	$100,000	$5,000,000	Reverts to applicable rate FD or Altdoc after sale of current property \| 6mths (if contracted) or 12m Terms \| Max 80% Contracted; 75% Uncontracted \| Max $3.0m per security to 75%\|
Ocean	D6 Bridging - Nil End Debt (NED) AB			8.24% (8.39%) $5,000,000 [n/a]		8.49% (8.64%) $5,000,000 [n/a]	8.64% (8.79%) $5,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO	12 mths	1 yrs	$100,000	$5,000,000	No Servicing Required \| 6mth (contracted) or 12mth Terms \| Max 80% Contracted; 75% Uncontracted \| Max $3m per security \|
Ocean	Rural A Altdoc OO			7.94% (8.06%) $3,000,000 [n/a]					11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	1.25%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	No Risk Fee. \| Unlimited acreage \| Rural: 65% LVR >50acres; 60% LVR >100 acres dependent on Category \|
Platinum	A1 Alternate Altdoc - OO						7.44% (7.83%) $1,000,000 [Nil]		20 May 2026	-	18 mths	Clawback	1, 2	0.30%	$330	OO	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| Financial Statements incl P&L & Balance Sheet <18mths old \|😊😊
Platinum	A1 Alternate Altdoc - OO - RISK FEE			7.34% (7.78%) $1,000,000 [1.00%]	7.34% (7.78%) $1,000,000 [1.00%]		7.44% (7.88%) $1,000,000 [1.00%]		20 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	$330	OO	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Financial Statements incl P&L & Balance Sheet <18mths old \|😊😊
Platinum	A2 Alternate Altdoc - MaX OO [Cat 1]						7.24% (7.63%) $2,000,000 [Nil]		20 May 2026	-	18 mths	Clawback, No Clawback Option	1	0.30%	$330	OO	PI	24 mths	30 yrs	$1,000,000	$2,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| Financial Statements incl P&L & Balance Sheet <18mths old \|😊😊
Platinum	A2 Alternate Altdoc - MaX OO [Cat 2]		7.24% (7.63%) $1,500,000 [Nil]				7.24% (7.63%) $1,200,000 [Nil]		20 May 2026	-	18 mths	Clawback, No Clawback Option	2	0.30%	$330	OO	PI	24 mths	30 yrs	$1,000,000	$1,500,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| Financial Statements incl P&L & Balance Sheet <18mths old \|😊😊
Platinum	A3 Alternate Altdoc - Security OO				7.34% (7.76%) $1,000,000 [0.50%]				20 May 2026	-	18 mths	Clawback, No Clawback Option	1, 2	0.30%	$330	OO	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| Financial Statements incl P&L & Balance Sheet <18mths old \| Units <50m2 \| Serviced Apartments \| Holiday Let Securities \| Resort Units \| Dual Key Apartments \| Up to 10 Units on 1 Title \| 😊😊
Platinum	A4 Altdoc [Acct Dec/BAS] - Cat 1 OO			7.14% (7.54%) $2,000,000 [Nil]	7.04% (7.44%) $2,000,000 [Nil]		7.14% (7.54%) $2,000,000 [Nil]		20 May 2026	-	18 mths	Clawback, No Clawback Option	1	0.30%	$330	OO	PI	24 mths	30 yrs	$150,000	$2,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| 6mth BAS or Acct Dec \| Unlimited Cash Out - No evidence to $500k \| Max 65% IO \|
Platinum	A5 Altdoc MaX [Acct Dec/BAS] - Cat 1 OO			7.34% (7.73%) $2,000,000 [Nil]			7.44% (7.83%) $2,000,000 [Nil]		20 May 2026	-	18 mths	Clawback, No Clawback Option	1	0.30%	$330	OO	PI	24 mths	30 yrs	$150,000	$2,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| 6mth BAS or Acct Dec \| Unlimited Cash Out - No evidence to $500k \| Max 65% IO \|
Platinum	A6 Altdoc [Acct Dec/BAS] - Cat 2 OO			7.04% (7.44%) $750,000 [Nil]					20 May 2026	-	18 mths	Clawback, No Clawback Option	2	0.30%	$330	OO	PI	24 mths	30 yrs	$150,000	$750,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 2 \| 6mth BAS or Acct Dec \| Unlimited Cash Out - No evidence to $500k \| 12 mths ABN with 2 Yrs industry experience \|
Purple	P3 Special A Altdoc OO			6.84% (7.23%) $5,000,000 [n/a]		6.99% (7.37%) $5,000,000 [n/a]	7.09% (7.47%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	No Risk Fee \| Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Prime A Altdoc - OO & INV			7.04% (7.44%) $5,000,000 [n/a]		7.14% (7.54%) $5,000,000 [n/a]	7.19% (7.59%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Prime MaX A Altdoc			7.99% (8.38%) $5,000,000 [n/a]		8.39% (8.77%) $5,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$3,000,000	$5,000,000	Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Rural <100 acres Altdoc A			8.24% (8.61%) $2,500,000 [n/a]		8.24% (8.61%) $2,500,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
Purple	Rural >100 acres Altdoc A	9.74% (10.09%) $2,000,000 [n/a]							20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	5 yrs	$100,000	$2,000,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
Investor
Navy	Navy Options Altdoc INV			6.84% (7.26%) $2,000,000 [n/a]	7.14% (7.55%) $2,000,000 [n/a]	7.28% (7.69%) $2,000,000 [n/a]	7.28% (7.69%) $1,750,000 [n/a]		11 May 2026	31 Mar 2026	18 mths	Clawback	1, 2	0.20%	$330 Individuals \| $550 Company or Trusts	INV	PI	12 mths	30 yrs	$100,000	$2,000,000	Optional Offsets [1 per split] available - rate loading of 0.10%pa \| Max 10ha (25 acres) \|Discount for Dual Income Verification \| Acct Dec or 12 mths BAS \| Can go to $2.5m @ 65% - POA \| 12 mths ABN with 2 yrs industry experience \|😊😊😊
Ocean	D2 Ocean Diamond A FD - INV			7.09% (7.18%) $2,000,000 [n/a]	7.19% (7.28%) $2,000,000 [n/a]	7.19% (7.28%) $2,000,000 [n/a]	7.29% (7.38%) $2,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.3	0.50%	INV	PI	24 mths	30 yrs	$100,000	$2,000,000	0.50% Application Fee - No Risk Fee. Add 0.30% for Int Only. Max. 5 acres (2.2ha).
Ocean	D2a Ocean Diamond 85 Altdoc \| FD - OO							7.84% (7.95%) $1,750,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	OO, INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85A Altdoc \| FD - INV							7.99% (8.10%) $1,750,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	D4 Diamond Max A - Altdoc INV			7.89% (8.01%) $3,000,000 [n/a]	8.44% (8.56%) $3,000,000 [n/a]	8.54% (8.66%) $3,000,000 [n/a]	8.54% (8.66%) $3,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.85%	INV	PI	24 mths	30 yrs	$2,000,000	$3,000,000	No Risk Fee \|Max. 5 acres (2.2ha) \| Rate Loading of 0.25% for loans >$2.0m WAIVED UFN \|
Ocean	D4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals]		7.74% (7.86%) $3,500,000 [n/a]						11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$3,500,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Cat 1 & 2 locations excl Capital cities \|
Ocean	D4 Prestige A Altdoc \| FD - [Capitals excl Mel & Syd]		7.74% (7.82%) $5,000,000 [n/a]						11 May 2026	-	Nil mths	No Clawback	1	Nil	0,95%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$5,000,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Sydney & Melbourne securities ONLY \|
Ocean	D4 Prestige A Altdoc \| FD - [MEL SYD]			7.74% (7.82%) $5,000,000 [n/a]	8.29% (8.37%) $5,000,000 [n/a]	8.29% (8.37%) $3,500,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	0,95%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$5,000,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Sydney & Melbourne securities ONLY \|
Ocean	D5 Bridging - End Debt (ED) AB			8.24% (8.39%) $5,000,000 [n/a]		8.49% (8.64%) $5,000,000 [n/a]	8.64% (8.79%) $5,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO	12 mths	30 yrs	$100,000	$5,000,000	Reverts to applicable rate FD or Altdoc after sale of current property \| 6mths (if contracted) or 12m Terms \| Max 80% Contracted; 75% Uncontracted \| Max $3.0m per security to 75%\|
Ocean	D6 Bridging - Nil End Debt (NED) AB			8.24% (8.39%) $5,000,000 [n/a]		8.49% (8.64%) $5,000,000 [n/a]	8.64% (8.79%) $5,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO	12 mths	1 yrs	$100,000	$5,000,000	No Servicing Required \| 6mth (contracted) or 12mth Terms \| Max 80% Contracted; 75% Uncontracted \| Max $3m per security \|
Platinum	A1 Alternate Altdoc - INV						7.74% (8.13%) $1,000,000 [Nil]		20 May 2026	-	18 mths	Clawback, No Clawback Option	1	0.30%	$330	INV	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| Financial Statements incl P&L & Balance Sheet <18mths old \|😊😊
Platinum	A2 Alternate Altdoc - MaX INV						7.54% (7.93%) $2,000,000 [Nil]		20 May 2026	-	18 mths	Clawback, No Clawback Option	1	0.30%	$330	INV	PI	24 mths	30 yrs	$1,000,000	$2,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| Financial Statements incl P&L & Balance Sheet <18mths old \|😊😊
Platinum	A3 Alternate Altdoc - Security INV				7.64% (8.05%) $1,000,000 [0.50%]				20 May 2026	-	18 mths	Clawback, No Clawback Option	1	0.30%	$330	INV	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| Financial Statements incl P&L & Balance Sheet <18mths old \| Unit <50m2, HR security, CS <500 \| Refer >$1m \|
Platinum	A4 Altdoc [Acct Dec/BAS] - Cat 1 INV			7.34% (7.73%) $2,000,000 [Nil]	7.34% (7.73%) $2,000,000 [Nil]		7.44% (7.83%) $2,000,000 [Nil]		20 May 2026	-	18 mths	Clawback, No Clawback Option	1	0.30%	$330	INV	PI	24 mths	30 yrs	$150,000	$2,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| 6mth BAS or Acct Dec \| Unlimited Cash Out - No evidence to $500k \|
Platinum	A5 Altdoc MaX [Acct Dec/BAS] - Cat 1 INV			7.94% (8.32%) $2,000,000 [Nil]			7.74% (8.13%) $2,000,000 [Nil]		20 May 2026	-	18 mths	Clawback, No Clawback Option	1	0.30%	$330	INV	PI	24 mths	30 yrs	$1,000,000	$2,000,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| 6mth BAS or Acct Dec \| Unlimited Cash Out - No evidence to $500k \| Max 70% LVR for Cat 2 properties \|
Platinum	A6 Altdoc [Acct Dec/BAS] - Cat 2 INV			7.34% (7.73%) $750,000 [Nil]					20 May 2026	-	18 mths	Clawback, No Clawback Option	2	0.30%	$330	INV	PI	24 mths	30 yrs	$150,000	$750,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| 6mth BAS or Acct Dec \| Unlimited Cash Out - No evidence to $500k \| Max 65% LVR Cat 2 IO Acct Dec / BAS
Platinum	X2 Xpat Alternate Altdoc [S/E Only]						7.54% (7.93%) $1,000,000 [Nil]		20 May 2026	-	18 mths	No Clawback	1	Nil	$990	INV	PI	24 mths	30 yrs	$150,000	$1,000,000	No Min. Size Units \| Reduced Loan Size in Cat 3 & 4 \| Refer Acceptable Country List - incl. China, India, New Zealand, PNG, Sri Lanka, UK, UAE, USA, Vietnam \| Annual Fee Waiver 0.10% rate loading available \| Free Offset \| No IO Loading \| Unlimited Cash Out to $500k \| No Overseas Credit Report \| Self Employed OK 😊😊
Platinum	X3 Xpat Alternate MaX Altdoc [S/E Only]						7.54% (7.93%) $2,000,000 [Nil]		20 May 2026	-	18 mths	No Clawback	1	Nil	$990	INV	PI	24 mths	30 yrs	$1,000,000	$2,000,000	No Min. Size Units \| Reduced Loan Size in Cat 3 & 4 \| Refer Acceptable Country List - incl. China, India, New Zealand, PNG, Sri Lanka, UK, UAE, USA, Vietnam \| Annual Fee Waiver 0.10% rate loading available \| Free Offset \| No IO Loading \| Unlimited Cash Out to $500k \| No Overseas Credit Report \| Self Employed OK 😊😊
Purple	NDIS Prime Altdoc A - INV			7.04% (7.55%) $5,000,000 [n/a]		7.14% (7.65%) $5,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1.4%	INV, NDIS	PI	12 mths	30 yrs	$100,000	$5,000,000	For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession \| Established House or units \| Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \| 😊
Purple	Prime A Altdoc - OO & INV			7.04% (7.44%) $5,000,000 [n/a]		7.14% (7.54%) $5,000,000 [n/a]	7.19% (7.59%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Prime MaX A Altdoc			7.99% (8.38%) $5,000,000 [n/a]		8.39% (8.77%) $5,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$3,000,000	$5,000,000	Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Rural <100 acres Altdoc A			8.24% (8.61%) $2,500,000 [n/a]		8.24% (8.61%) $2,500,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
Purple	Rural >100 acres Altdoc A	9.74% (10.09%) $2,000,000 [n/a]							20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	5 yrs	$100,000	$2,000,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
NDIS
Navy	Navy NDIS Altdoc INV [Max 4 rooms]			8.04% (8.54%) $2,000,000 [n/a]	8.24% (8.74%) $2,000,000 [n/a]	8.63% (9.12%) $2,000,000 [n/a]	8.63% (9.12%) $1,750,000 [n/a]		11 May 2026	-	18 mths	Clawback	1	0.20%	$550	NDIS	PI	12 mths	30 yrs	$100,000	$2,000,000	Optional Offset - 0.10% Rate Loading \| Max 10ha (25 acres) \|Discount for Dual Income Verification \| Acct Dec or 12 mths BAS \| Max 100% of Alternate Use Valuation \| Cash Out or Equity Release Available \| Max 4 bedrooms \|😊😊
Purple	NDIS Prime Altdoc A - INV			7.04% (7.55%) $5,000,000 [n/a]		7.14% (7.65%) $5,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1.4%	INV, NDIS	PI	12 mths	30 yrs	$100,000	$5,000,000	For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession \| Established House or units \| Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \| 😊

Near Prime

Loan Type	Loan Name	60%	65%	70%	75%	80%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Navy	Navy Specialist C Altdoc OO - [NCB]	8.59% (9.07%) $1,000,000 [1.25%]	8.80% (9.28%) $1,000,000 [1.25%]	8.80% (9.28%) $1,000,000 [1.25%]	9.40% (9.87%) $1,000,000 [1.25%]	9.60% (10.06%) $1,000,000 [1.25%]	11 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,000,000	ATO Debt OK \| 6 mth ABN + 6 mth GST \| Optional Offset - add 0.10% \| Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each \| Mortgage arrears - 1 event \| Discharged Bankrupt <1 Yr. \| >1 Life Event \| 12 mths ABN with 2 yrs industry experience \|
Ocean	Emerald B Altdoc OO		7.64% (7.72%) $3,000,000 [n/a]	7.74% (7.82%) $3,000,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.50%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	No Risk Fee. \| Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Emerald B Altdoc OO >70%				7.74% (7.80%) $3,000,000 [n/a]	7.94% (8.04%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.75%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	0.75% App Fee >70% \| Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Onyx C Altdoc OO		9.89% (9.99%) $3,000,000 [n/a]	10.09% (10.19%) $3,000,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	1.00%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	12 mths ABN \| Discharged Bankrupts from Day 1 \| Unlimited Paid defaults, Unlimited Unpaid defaults listed >1 Yr \|
Ocean	Onyx C Altdoc OO >70% LVR				9.84% (9.95%) $3,000,000 [n/a]	10.59% (10.70%) $1,750,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	1.25%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	12 mths ABN \| Discharged Bankrupts from Day 1 \| Unlimited Paid defaults, Unlimited Unpaid defaults listed >1 Yr \|
Ocean	Specialist D Altdoc OO		8.64% (8.76%) $1,500,000 [n/a]	8.74% (8.86%) $1,500,000 [n/a]	8.74% (8.87%) $1,500,000 [n/a]	9.09% (9.22%) $1,250,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	1.50%	OO	PI	6 mths	30 yrs	$100,000	$1,500,000	6 mths ABN \|Discharged Bankrupts from Day 1 \| Unlimited Paid defaults, Unlimited Unpaid >6m, 3m arrears \|
Purple	Lifestyle B Altdoc OO		7.94% (8.33%) $5,000,000 [n/a]		7.99% (8.38%) $5,000,000 [n/a]	8.09% (8.48%) $5,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	No Risk Fee \| OO Only \| Security determines the rate (not purpose) \| Max 10 ha (25 acres) \| Impaired Credit \| Life Events OK \|
Investor
Navy	Navy Lifestyle B Altdoc INV	8.02% (8.50%) $2,000,000 [1.25%]	7.44% (7.93%) $2,000,000 [1.25%]	7.44% (7.93%) $2,000,000 [1.25%]	7.74% (8.23%) $2,000,000 [1.25%]	7.74% (8.23%) $1,750,000 [1.25%]	11 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$2,000,000	ATO Debt OK \| 1 Year ITR \| Optional Offset - add 0.10% \| Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each \| One Life Event Default - no mortgage arrears \| 12 mths ABN with 2 yrs industry experience \|
Ocean	Emerald B Altdoc INV		7.79% (7.87%) $3,000,000 [n/a]	7.89% (7.97%) $3,000,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.50%	INV	PI	12 mths	30 yrs	$100,000	$3,000,000	Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Emerald B Altdoc INV >70%				7.89% (7.99%) $3,000,000 [n/a]	8.09% (8.19%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.75%	INV	PI	12 mths	30 yrs	$100,000	$3,000,000	0.75% App Fee >70% \| Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Purple	Lifestyle B Altdoc INV		8.14% (8.53%) $5,000,000 [n/a]		8.24% (8.63%) $5,000,000 [n/a]	8.29% (8.68%) $5,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	INV	PI	12 mths	30 yrs	$100,000	$5,000,000	1.50% App Fee \| No Risk Fee \| Investment Only \| Security determines the rate (not purpose) \| Max 10 ha (25 acres).

ATO Debt

Prime

Loan Type	Loan Name	65%	70%	75%	80%	85%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Ocean	D1 Diamond A Altdoc OO	6.94% (7.03%) $2,000,000 [n/a]	7.04% (7.13%) $2,000,000 [n/a]	7.04% (7.13%) $2,000,000 [n/a]	7.14% (7.23%) $2,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.50%	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	No Risk Fee \| Max. 5 acres (2.2ha) \|
Ocean	D2 Ocean Diamond A FD - OO	6.84% (6.92%) $2,000,000 [Nil]	6.99% (7.07%) $2,000,000 [n/a]	6.99% (7.07%) $2,000,000 [n/a]	7.09% (7.17%) $2,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85 Altdoc \| FD - OO					7.84% (7.95%) $1,750,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	OO, INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	Rural A Altdoc OO	7.94% (8.06%) $3,000,000 [n/a]					11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	1.25%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	No Risk Fee. \| Unlimited acreage \| Rural: 65% LVR >50acres; 60% LVR >100 acres dependent on Category \|
Purple	P1 Special OOO A FD	6.69% (7.03%) $5,000,000 [n/a]		6.74% (7.08%) $5,000,000 [n/a]	6.84% (7.17%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	$1,495	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	$995 App Fee \| No Risk Fee \| Add 0.40% for Int Only with good reason for OO IO \| Can have 1 yrs ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	P3 Special A Altdoc OO	6.84% (7.23%) $5,000,000 [n/a]		6.99% (7.37%) $5,000,000 [n/a]	7.09% (7.47%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	No Risk Fee \| Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Prime A Altdoc - OO & INV	7.04% (7.44%) $5,000,000 [n/a]		7.14% (7.54%) $5,000,000 [n/a]	7.19% (7.59%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Prime A Full Doc	6.79% (7.18%) $5,000,000 [n/a]		6.89% (7.28%) $5,000,000 [n/a]	6.99% (7.37%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	Prime MaX A Altdoc	7.99% (8.38%) $5,000,000 [n/a]		8.39% (8.77%) $5,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$3,000,000	$5,000,000	Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Prime MaX A Full Doc	7.49% (7.89%) $10,000,000 [n/a]		7.99% (8.38%) $10,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.5%	OO, INV	PI	12 mths	30 yrs	$5,000,000	$10,000,000	App Fee = 1.50% \| Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \|
Purple	Rural <100 acres Altdoc A	8.24% (8.61%) $2,500,000 [n/a]		8.24% (8.61%) $2,500,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
Investor
Ocean	D2 Ocean Diamond A FD - INV	7.09% (7.18%) $2,000,000 [n/a]	7.19% (7.28%) $2,000,000 [n/a]	7.19% (7.28%) $2,000,000 [n/a]	7.29% (7.38%) $2,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.3	0.35%	INV	PI	24 mths	30 yrs	$100,000	$2,000,000	Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85 Altdoc \| FD - OO					7.84% (7.95%) $1,750,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	OO, INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85A Altdoc \| FD - INV					7.99% (8.10%) $1,750,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Purple	Prime A Altdoc - OO & INV	7.04% (7.44%) $5,000,000 [n/a]		7.14% (7.54%) $5,000,000 [n/a]	7.19% (7.59%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Prime A Full Doc	6.79% (7.18%) $5,000,000 [n/a]		6.89% (7.28%) $5,000,000 [n/a]	6.99% (7.37%) $5,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	Prime MaX A Altdoc	7.99% (8.38%) $5,000,000 [n/a]		8.39% (8.77%) $5,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$3,000,000	$5,000,000	Most locations \| Max 10ha (25 acres) \| ATO Debt OK \| Acct Letter or 12 mths BAS \|
Purple	Prime MaX A Full Doc	7.49% (7.89%) $10,000,000 [n/a]		7.99% (8.38%) $10,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.5%	OO, INV	PI	12 mths	30 yrs	$5,000,000	$10,000,000	App Fee = 1.50% \| Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \|
Purple	Rural <100 acres Altdoc A	8.24% (8.61%) $2,500,000 [n/a]		8.24% (8.61%) $2,500,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|

Near Prime

Loan Type	Loan Name	60%	65%	70%	75%	80%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Navy	Navy Specialist C Altdoc OO - [NCB]	8.59% (9.07%) $1,000,000 [1.25%]	8.80% (9.28%) $1,000,000 [1.25%]	8.80% (9.28%) $1,000,000 [1.25%]	9.40% (9.87%) $1,000,000 [1.25%]	9.60% (10.06%) $1,000,000 [1.25%]	11 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,000,000	ATO Debt OK \| 6 mth ABN + 6 mth GST \| Optional Offset - add 0.10% \| Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each \| Mortgage arrears - 1 event \| Discharged Bankrupt <1 Yr. \| >1 Life Event \| 12 mths ABN with 2 yrs industry experience \|
Ocean	Emerald B Altdoc OO		7.64% (7.72%) $3,000,000 [n/a]	7.74% (7.82%) $3,000,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.50%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	No Risk Fee. \| Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Emerald B Altdoc OO >70%				7.74% (7.80%) $3,000,000 [n/a]	7.94% (8.04%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.75%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	0.75% App Fee >70% \| Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Ocean Emerald B OO Full Doc		7.49% (7.57%) $2,000,000 [n/a]	7.59% (7.67%) $2,000,000 [n/a]	7.59% (7.67%) $2,000,000 [n/a]	7.74% (7.82%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	OO	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Ocean	Ocean Emerald MaX B OO Full Doc		7.49% (7.58%) $3,000,000 [n/a]	7.59% (7.68%) $3,000,000 [n/a]	7.59% (7.68%) $3,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.70%	OO	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Purple	Lifestyle B Altdoc OO		7.94% (8.33%) $5,000,000 [n/a]		7.99% (8.38%) $5,000,000 [n/a]	8.09% (8.48%) $5,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	No Risk Fee \| OO Only \| Security determines the rate (not purpose) \| Max 10 ha (25 acres) \| Impaired Credit \| Life Events OK \|
Purple	Lifestyle B OO FD Special		7.49% (7.87%) $5,000,000 [n/a]		7.74% (8.11%) $5,000,000 [n/a]	7.74% (8.11%) $5,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	Owner Occupied Only. Add 0.40% for Int Only. Security determines the purpose - can have OO ino Company. No Rate Loading for Inv.
Investor
Navy	Navy Lifestyle B Altdoc INV	8.02% (8.50%) $2,000,000 [1.25%]	7.44% (7.93%) $2,000,000 [1.25%]	7.44% (7.93%) $2,000,000 [1.25%]	7.74% (8.23%) $2,000,000 [1.25%]	7.74% (8.23%) $1,750,000 [1.25%]	11 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$2,000,000	ATO Debt OK \| 1 Year ITR \| Optional Offset - add 0.10% \| Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each \| One Life Event Default - no mortgage arrears \| 12 mths ABN with 2 yrs industry experience \|
Navy	Navy Lifestyle B Full Doc INV	7.19% (7.67%) $2,000,000 [1.00%]	7.19% (7.67%) $2,000,000 [1.00%]	7.19% (7.67%) $2,000,000 [1.00%]	7.49% (7.97%) $2,000,000 [1.00%]	7.49% (7.97%) $1,750,000 [1.00%]	11 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$2,000,000	ATO Debt OK \| 1 Year ITR \| Optional Offset - add 0.10% \| Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each \| One Life Event Default - no mortgage arrears \|
Ocean	Emerald B Altdoc INV		7.79% (7.87%) $3,000,000 [n/a]	7.89% (7.97%) $3,000,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.50%	INV	PI	12 mths	30 yrs	$100,000	$3,000,000	Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Emerald B Altdoc INV >70%				7.89% (7.99%) $3,000,000 [n/a]	8.09% (8.19%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.75%	INV	PI	12 mths	30 yrs	$100,000	$3,000,000	0.75% App Fee >70% \| Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Ocean Emerald B INV Full Doc		7.64% (7.72%) $2,000,000 [n/a]	7.49% (7.57%) $2,000,000 [n/a]	7.74% (7.82%) $2,000,000 [n/a]	7.89% (7.97%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	INV	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Ocean	Ocean Emerald MaX B INV Full Doc		7.64% (7.73%) $3,000,000 [n/a]	7.74% (7.83%) $3,000,000 [n/a]	7.74% (7.83%) $3,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.70%	INV	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Purple	Lifestyle B Altdoc INV		8.14% (8.53%) $5,000,000 [n/a]		8.24% (8.63%) $5,000,000 [n/a]	8.29% (8.68%) $5,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	INV	PI	12 mths	30 yrs	$100,000	$5,000,000	1.50% App Fee \| No Risk Fee \| Investment Only \| Security determines the rate (not purpose) \| Max 10 ha (25 acres).
Purple	Lifestyle B INV FD		7.49% (7.87%) $5,000,000 [n/a]		7.84% (8.21%) $5,000,000 [n/a]	7.84% (8.21%) $5,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Add 0.40% for Int Only.

Bridging

Prime

Loan Type	Loan Name	65%	75%	80%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Ocean	D5 Bridging - End Debt (ED) AB	8.24% (8.39%) $5,000,000 [n/a]	8.49% (8.64%) $5,000,000 [n/a]	8.64% (8.79%) $5,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO	12 mths	30 yrs	$100,000	$5,000,000	Reverts to applicable rate FD or Altdoc after sale of current property \| 6mths (if contracted) or 12m Terms \| Max 80% Contracted; 75% Uncontracted \| Max $3.0m per security to 75%\|
Ocean	D6 Bridging - Nil End Debt (NED) AB	8.24% (8.39%) $5,000,000 [n/a]	8.49% (8.64%) $5,000,000 [n/a]	8.64% (8.79%) $5,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO	12 mths	1 yrs	$100,000	$5,000,000	No Servicing Required \| 6mth (contracted) or 12mth Terms \| Max 80% Contracted; 75% Uncontracted \| Max $3m per security \|
Purple	Relocation ED & NED [End Debt & Nil End Debt]	8.29% (8.70%) $3,000,000 [n/a]	8.39% (8.80%) $3,000,000 [n/a]	8.49% (8.90%) $3,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$100,000	$3,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| Servicing on END debt @ revert rate - No Servicing on NED \| Reverts to applicable rate after sale of current property \| BRIDGING.
Purple	Relocation MaX - ED & NED	8.49% (8.90%) $10,000,000 [n/a]	8.79% (9.20%) $10,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$3,000,000	$10,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| No Servicing on NED loans \| Ideal for downsizing \| Can be used for construction \| BRIDGING \|
Investor
Ocean	D5 Bridging - End Debt (ED) AB	8.24% (8.39%) $5,000,000 [n/a]	8.49% (8.64%) $5,000,000 [n/a]	8.64% (8.79%) $5,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO	12 mths	30 yrs	$100,000	$5,000,000	Reverts to applicable rate FD or Altdoc after sale of current property \| 6mths (if contracted) or 12m Terms \| Max 80% Contracted; 75% Uncontracted \| Max $3.0m per security to 75%\|
Ocean	D6 Bridging - Nil End Debt (NED) AB	8.24% (8.39%) $5,000,000 [n/a]	8.49% (8.64%) $5,000,000 [n/a]	8.64% (8.79%) $5,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO	12 mths	1 yrs	$100,000	$5,000,000	No Servicing Required \| 6mth (contracted) or 12mth Terms \| Max 80% Contracted; 75% Uncontracted \| Max $3m per security \|
Purple	Relocation ED & NED [End Debt & Nil End Debt]	8.29% (8.70%) $3,000,000 [n/a]	8.39% (8.80%) $3,000,000 [n/a]	8.49% (8.90%) $3,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$100,000	$3,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| Servicing on END debt @ revert rate - No Servicing on NED \| Reverts to applicable rate after sale of current property \| BRIDGING.
Purple	Relocation MaX - ED & NED	8.49% (8.90%) $10,000,000 [n/a]	8.79% (9.20%) $10,000,000 [n/a]		20 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$3,000,000	$10,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| No Servicing on NED loans \| Ideal for downsizing \| Can be used for construction \| BRIDGING \|

Full Doc

Prime

Loan Type	Loan Name	55%	60%	65%	70%	75%	80%	85%	90%	95%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Cabernet	Flexi Home - Var		6.29% (6.34%) $3,500,000		6.29% (6.34%) $3,500,000	6.39% (6.44%) $3,500,000	6.39% (6.44%) $3,500,000	6.64% (7.15%) $3,000,000 [2.25%]	6.89% (7.46%) $3,000,000 [3.5%]	7.29% (7.94%) $2,000,000 [5.25%]	11 May 2026	-	24 mths	Clawback	1, 2	0.40	$330	OO	PI	24 mths	30 yrs	$50,000	$3,500,000	No monthly or annual fees for OO to 80% LVR \| FREE 100% OFFSET \| Risk Fee applies >75.01%
Navy	Navy Prime OO FD				6.65% (7.07%) $2,000,000 [N/A]	6.75% (7.17%) $2,000,000 [N/A]	6.75% (7.17%) $1,750,000 [N/A]		7.14% (7.55%) $1,250,000 [LMI]	7.74% (8.14%) $1,000,000 [LMI]	11 May 2026	31 Mar 2026	18 mths	Clawback	1, 2	0.40%	$330 - Individuals; $550 - Company or Trusts	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset/s - Multiple Offsets available \| Max 10ha (25 acres) \| Min. 20,000 population. \| IO Loading .20% to 70% LVR and .40% to 90% LVR
Navy	Navy Prime OO FD - Metro			6.45% (6.87%) $3,000,000 [N/A]							11 May 2026	31 Mar 2026	18 mths	Clawback	1	0.40%	$330 - Individuals; $550 - Company or Trusts	OO	PI	24 mths	30 yrs	$100,000	$3,000,000	Optional Free Offset/s - Multiple Offsets available \| Max 10ha (25 acres) \| Min. 20,000 population. \| IO Loading .20% to 70% LVR and .40% to 90% LVR
Navy	Navy Prime Visa OO FD				7.00% (7.42%) $2,000,000 [N/A]	7.10% (7.51%) $2,000,000 [N/A]	7.10% (7.51%) $1,750,000 [N/A]				11 May 2026	31 Mar 2026	18 mths	Clawback	1, 2	0.40%	$330 - Individuals; $550 - Company or Trusts	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset/s - 1 per split \| Max 10ha (25 acres) \| Acceptable Visas: 188 , 309, 444, 475, 476, 485, 487, 489, 500, 820, 884, Bridging A & B \| IO Loading .20% to 70% LVR and .40% to 90% LVR
Ocean	D2 Ocean Diamond A FD - OO			6.84% (6.92%) $2,000,000 [Nil]	6.99% (7.07%) $2,000,000 [n/a]	6.99% (7.07%) $2,000,000 [n/a]	7.09% (7.17%) $2,000,000 [n/a]				11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2 Ocean Diamond Max A - OO			6.84% (6.94%) $3,000,000 [n/a]	6.99% (7.09%) $3,000,000 [n/a]	6.99% (7.09%) $3,000,000 [n/a]	7.09% (7.19%) $3,000,000 [n/a]				11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.70%	OO	PI	24 mths	30 yrs	$2,000,000	$3,000,000	No Risk Fee \|Max. 5 acres (2.2ha) \| Rate Loading of 0.25% applies for loans >$1.75m
Ocean	D2a Ocean Diamond 85 Altdoc \| FD - OO							7.84% (7.95%) $1,750,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	OO, INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	D4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals]		7.74% (7.86%) $3,500,000 [n/a]								11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$3,500,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Cat 1 & 2 locations excl Capital cities \|
Ocean	D4 Prestige A Altdoc \| FD - [Capitals excl Mel & Syd]		7.74% (7.82%) $5,000,000 [n/a]								11 May 2026	-	Nil mths	No Clawback	1	Nil	0,95%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$5,000,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Sydney & Melbourne securities ONLY \|
Ocean	D4 Prestige A Altdoc \| FD - [MEL SYD]			7.74% (7.82%) $5,000,000 [n/a]		8.29% (8.37%) $3,500,000 [n/a]					11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	0,95%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$5,000,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Sydney & Melbourne securities ONLY \|
Purple	P1 Special OOO A FD			6.69% (7.03%) $5,000,000 [n/a]		6.74% (7.08%) $5,000,000 [n/a]	6.84% (7.17%) $5,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	$1,495	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	$995 App Fee \| No Risk Fee \| Add 0.40% for Int Only with good reason for OO IO \| Can have 1 yrs ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	Prime A Full Doc			6.79% (7.18%) $5,000,000 [n/a]		6.89% (7.28%) $5,000,000 [n/a]	6.99% (7.37%) $5,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	Prime MaX A Full Doc			7.49% (7.89%) $10,000,000 [n/a]		7.99% (8.38%) $10,000,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.5%	OO, INV	PI	12 mths	30 yrs	$5,000,000	$10,000,000	App Fee = 1.50% \| Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \|
Purple	Rural <100 acres FD A			7.54% (7.91%) $2,500,000 [n/a]		7.74% (8.11%) $2,500,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	1.50% App Fee \| Rural lifestyle only - no income producing securities)\| Valuation by quote \| Loadings may apply.
Purple	Rural >100 acres Altdoc A	9.74% (10.09%) $2,000,000 [n/a]									20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	5 yrs	$100,000	$2,000,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
Investor
Cabernet	Co-Living INV - Var		8.09% (8.13%) $3,500,000		8.09% (8.13%) $3,500,000	8.19% (8.23%) $3,500,000	8.19% (8.23%) $3,500,000				11 May 2026	-	24 mths	Clawback	1, 2, 3	0.40%	$550	INV, NDIS	PI	24 mths	30 yrs	$50,000	$3,500,000	$395 Annual Fee \| Established Co-Living Security \|
Cabernet	Flexi Investor - Var		6.59% (6.64%) $3,500,000		6.59% (6.64%) $3,500,000	6.69% (6.74%) $3,500,000	6.69% (6.74%) $3,500,000	6.94% (7.13%) $3,000,000 [2.75%]	7.19% (7.44%) $3,000,000 [4.00%]	7.59% (7.93%) $2,000,000 [5.75%]	11 May 2026	-	24 mths	Clawback	1, 2	0.40%	$330	INV	PI	24 mths	30 yrs	$50,000	$3,500,000	$395 Annual Fee.
Navy	N1 Navy Prime INV FD				6.95% (7.37%) $2,000,000 [N/A]	7.05% (7.46%) $2,000,000 [N/A]	7.05% (7.46%) $1,750,000 [N/A]		7.54% (7.95%) $800,000 [LMI]	8.34% (8.74%) $800,000 [LMI]	11 May 2026	-	18 mths	Clawback	1, 2	0.40%	$330 - Individuals; $550 - Company or Trusts	INV	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset - multiple offsets available [1 per split] \| Max 10ha (25 acres) \| Min. 20,000 population. \| Extensive Visa List \| IO Loading .20% to 70% LVR and .40% to 90% LVR. No loading if PAYG
Navy	ndis INV FD [Max 4 rooms]			7.74% (8.25%) $2,000,000 [N/A]	7.84% (8.34%) $2,000,000 [N/A]	8.64% (9.13%) $1,750,000 [N/A]	8.39% (9.01%) $1,750,000 [N/A]				11 May 2026	-	18 mths	Clawback	1	0.20%	$550	INV, NDIS	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset \| Max 10ha (25 acres) \| Min. 20,000 population. \| 😊😊😊
Ocean	D2 Ocean Diamond A FD - INV			6.99% (7.05%) $2,000,000 [n/a]	7.14% (7.22%) $2,000,000 [n/a]	7.24% (7.32%) $2,000,000 [n/a]	7.24% (7.32%) $2,000,000 [n/a]				11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.3	0.35%	INV	PI	24 mths	30 yrs	$100,000	$2,000,000	Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85 Altdoc \| FD - OO							7.84% (7.95%) $1,750,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	OO, INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85A Altdoc \| FD - INV							7.99% (8.10%) $1,750,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	D3 Ocean Diamond MaX A FD - INV			6.99% (7.09%) $3,000,000 [n/a]	7.14% (7.24%) $3,000,000 [n/a]	7.14% (7.24%) $3,000,000 [n/a]	7.24% (7.34%) $3,000,000 [n/a]				11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.3	0.70%	INV	PI	24 mths	30 yrs	$2,000,000	$3,000,000	No Risk Fee \|Max. 5 acres (2.2ha) \| Rate Loading of 0.25% applies for loans >$1.75m
Ocean	D4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals]		7.74% (7.86%) $3,500,000 [n/a]								11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	1.25%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$3,500,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Cat 1 & 2 locations excl Capital cities \|
Ocean	D4 Prestige A Altdoc \| FD - [Capitals excl Mel & Syd]		7.74% (7.82%) $5,000,000 [n/a]								11 May 2026	-	Nil mths	No Clawback	1	Nil	0,95%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$5,000,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Sydney & Melbourne securities ONLY \|
Ocean	D4 Prestige A Altdoc \| FD - [MEL SYD]			7.74% (7.82%) $5,000,000 [n/a]		8.29% (8.37%) $3,500,000 [n/a]					11 May 2026	-	Nil mths	No Clawback	1, 2	Nil	0,95%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$5,000,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Sydney & Melbourne securities ONLY \|
Platinum	X2 Xpat Alternate Altdoc [S/E Only]						7.54% (7.93%) $1,000,000 [Nil]				20 May 2026	-	18 mths	No Clawback	1	Nil	$990	INV	PI	24 mths	30 yrs	$150,000	$1,000,000	No Min. Size Units \| Reduced Loan Size in Cat 3 & 4 \| Refer Acceptable Country List - incl. China, India, New Zealand, PNG, Sri Lanka, UK, UAE, USA, Vietnam \| Annual Fee Waiver 0.10% rate loading available \| Free Offset \| No IO Loading \| Unlimited Cash Out to $500k \| No Overseas Credit Report \| Self Employed OK 😊😊
Platinum	X3 Xpat Alternate MaX Altdoc [S/E Only]						7.54% (7.93%) $2,000,000 [Nil]				20 May 2026	-	18 mths	No Clawback	1	Nil	$990	INV	PI	24 mths	30 yrs	$1,000,000	$2,000,000	No Min. Size Units \| Reduced Loan Size in Cat 3 & 4 \| Refer Acceptable Country List - incl. China, India, New Zealand, PNG, Sri Lanka, UK, UAE, USA, Vietnam \| Annual Fee Waiver 0.10% rate loading available \| Free Offset \| No IO Loading \| Unlimited Cash Out to $500k \| No Overseas Credit Report \| Self Employed OK 😊😊
Purple	NDIS Prime A FD - INV			6.79% (7.29%) $5,000,000 [n/a]		6.89% (7.39%) $5,000,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1%	INV, NDIS	PI	12 mths	30 yrs	$100,000	$5,000,000	For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession \| Established House or units \| Max 10ha (25 acres) \| ATO Debt OK \|😊😊.
Purple	Non-Resident P3 Prime FD			8.14% (8.54%) $3,000,000 [n/a]		8.24% (8.64%) $3,000,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1.65%	INV	PI	12 mths	30 yrs	$100,000	$3,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \|
Purple	Non-Resident P4 MAX Prime FD			8.34% (8.74%) $5,000,000 [n/a]		8.84% (9.23%) $5,000,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1.65%	INV	PI	12 mths	30 yrs	$3,000,000	$5,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \|
Purple	Prime A Full Doc			6.79% (7.18%) $5,000,000 [n/a]		6.89% (7.28%) $5,000,000 [n/a]	6.99% (7.37%) $5,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	Prime MaX A Full Doc			7.49% (7.89%) $10,000,000 [n/a]		7.99% (8.38%) $10,000,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.5%	OO, INV	PI	12 mths	30 yrs	$5,000,000	$10,000,000	App Fee = 1.50% \| Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \|
Purple	Rural <100 acres FD A			7.54% (7.91%) $2,500,000 [n/a]		7.74% (8.11%) $2,500,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	1.50% App Fee \| Rural lifestyle only - no income producing securities)\| Valuation by quote \| Loadings may apply.
Purple	Rural >100 acres Altdoc A	9.74% (10.09%) $2,000,000 [n/a]									20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.4%	OO, INV	PI	12 mths	5 yrs	$100,000	$2,000,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
NDIS
Cabernet	Co-Living INV - Var		8.09% (8.13%) $3,500,000		8.09% (8.13%) $3,500,000	8.19% (8.23%) $3,500,000	8.19% (8.23%) $3,500,000				11 May 2026	-	24 mths	Clawback	1, 2, 3	0.40%	$550	INV, NDIS	PI	24 mths	30 yrs	$50,000	$3,500,000	$395 Annual Fee \| Established Co-Living Security \|
Navy	ndis INV FD [Max 4 rooms]			7.74% (8.25%) $2,000,000 [N/A]	7.84% (8.34%) $2,000,000 [N/A]	8.64% (9.13%) $1,750,000 [N/A]	8.39% (9.01%) $1,750,000 [N/A]				11 May 2026	-	18 mths	Clawback	1	0.20%	$550	INV, NDIS	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset \| Max 10ha (25 acres) \| Min. 20,000 population. \| 😊😊😊
Purple	NDIS Prime A FD - INV			6.79% (7.29%) $5,000,000 [n/a]		6.89% (7.39%) $5,000,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1%	INV, NDIS	PI	12 mths	30 yrs	$100,000	$5,000,000	For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession \| Established House or units \| Max 10ha (25 acres) \| ATO Debt OK \|😊😊.

Near Prime

Loan Type	Loan Name	60%	65%	70%	75%	80%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Ocean	Ocean Emerald B OO Full Doc		7.49% (7.57%) $2,000,000 [n/a]	7.59% (7.67%) $2,000,000 [n/a]	7.59% (7.67%) $2,000,000 [n/a]	7.74% (7.82%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	OO	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Ocean	Ocean Emerald MaX B OO Full Doc		7.49% (7.58%) $3,000,000 [n/a]	7.59% (7.68%) $3,000,000 [n/a]	7.59% (7.68%) $3,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.70%	OO	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Purple	Lifestyle B OO FD Special		7.49% (7.87%) $5,000,000 [n/a]		7.74% (8.11%) $5,000,000 [n/a]	7.74% (8.11%) $5,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	Owner Occupied Only. Add 0.40% for Int Only. Security determines the purpose - can have OO ino Company. No Rate Loading for Inv.
Investor
Navy	Navy Lifestyle B Full Doc INV	7.19% (7.67%) $2,000,000 [1.00%]	7.19% (7.67%) $2,000,000 [1.00%]	7.19% (7.67%) $2,000,000 [1.00%]	7.49% (7.97%) $2,000,000 [1.00%]	7.49% (7.97%) $1,750,000 [1.00%]	11 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$2,000,000	ATO Debt OK \| 1 Year ITR \| Optional Offset - add 0.10% \| Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each \| One Life Event Default - no mortgage arrears \|
Ocean	Ocean Emerald B INV Full Doc		7.64% (7.72%) $2,000,000 [n/a]	7.49% (7.57%) $2,000,000 [n/a]	7.74% (7.82%) $2,000,000 [n/a]	7.89% (7.97%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	INV	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Ocean	Ocean Emerald MaX B INV Full Doc		7.64% (7.73%) $3,000,000 [n/a]	7.74% (7.83%) $3,000,000 [n/a]	7.74% (7.83%) $3,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.70%	INV	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Purple	Lifestyle B INV FD		7.49% (7.87%) $5,000,000 [n/a]		7.84% (8.21%) $5,000,000 [n/a]	7.84% (8.21%) $5,000,000 [n/a]	20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Add 0.40% for Int Only.

Fixed Rate

Loan Type	Loan Name	70%	80%	85%	90%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Cabernet	A. Flexi Home OO: 5 Yr Fixed	7.29% (7.33%) $3,500,000	7.39% (7.43%) $3,500,000	7.64% (8.12%) $3,000,000 [2.25%]	7.79% (8.33%) $3,000,000 [3.5%]	11 May 2026	-	24 mths	Clawback	1, 2	0.40	$330	OO	PI	24 mths	30 yrs	$50,000	$3,500,000	Nil Annual Fee to 80% LVR \| Interest Only - Max 80% LVR for OO IO \| No Rate Buffering on 5 Yr Fixed Rates \| 😊😊
Cabernet	Flexi Home OO: 1-3 Yr Fixed	7.19% (7.23%) $3,500,000	7.29% (7.33%) $3,500,000	7.54% (8.02%) $3,000,000 [2.25%]	7.69% (8.23%) $3,000,000 [3.50%]	11 May 2026	-	24 mths	Clawback	1, 2, 3	0.40	$330	OO	PI	24 mths	30 yrs	$50,000	$3,500,000	$Nil Annual Fee to 80% LVR \| Interest Only - Max 80% LVR for OO IO \| Free Offset account \|
Investor
Cabernet	A. Flexi Investor: 5 Yr Fixed	7.59% (7.63%) $3,500,000	7.69% (7.73%) $3,500,000	7.94% (8.11%) $3,000,000 [2.75%]	8.09% (8.33%) $3,000,000 [4.00%]	11 May 2026	-	24 mths	Clawback	1, 2	0.40%	$330	INV	PI	24 mths	30 yrs	$50,000	$3,500,000	Nil Annual Fee to 80% LVR \| Interest Only - Max 80% LVR for OO IO \| No Rate Buffering on 5 Yr Fixed Rates \| 😊😊
Cabernet	Flexi Investor: 1-3 Yrs Fixed	7.49% (7.53%) $3,500,000	7.59% (7.63%) $3,500,000	7.84% (8.02%) $3,000,000 [2.75%]	7.99% (8.23%) $3,500,000 [4.00%]	11 May 2026	-	24 mths	Clawback	1, 2, 3	0.40	$330	INV	PI	24 mths	30 yrs	$50,000	$3,500,000	$395 Annual Fee \| Offset available \|

1 Yr Returns

Prime

Loan Type	Loan Name	60%	65%	70%	75%	80%	85%	90%	95%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Cabernet	Flexi Home - Var	6.29% (6.34%) $3,500,000		6.29% (6.34%) $3,500,000	6.39% (6.44%) $3,500,000	6.39% (6.44%) $3,500,000	6.64% (7.15%) $3,000,000 [2.25%]	6.89% (7.46%) $3,000,000 [3.5%]	7.29% (7.94%) $2,000,000 [5.25%]	11 May 2026	-	24 mths	Clawback	1, 2	0.40	$330	OO	PI	24 mths	30 yrs	$50,000	$3,500,000	No monthly or annual fees for OO to 80% LVR \| FREE 100% OFFSET \| Risk Fee applies >75.01%
Navy	Navy Prime OO FD			6.65% (7.07%) $2,000,000 [N/A]	6.75% (7.17%) $2,000,000 [N/A]	6.75% (7.17%) $1,750,000 [N/A]				11 May 2026	31 Mar 2026	18 mths	Clawback	1, 2	0.40%	$330 - Individuals; $550 - Company or Trusts	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset/s - Multiple Offsets available \| Max 10ha (25 acres) \| Min. 20,000 population. \| IO Loading .20% to 70% LVR and .40% to 90% LVR
Navy	Navy Prime OO FD - Metro		6.45% (6.87%) $3,000,000 [N/A]							11 May 2026	31 Mar 2026	18 mths	Clawback	1	0.40%	$330 - Individuals; $550 - Company or Trusts	OO	PI	24 mths	30 yrs	$100,000	$3,000,000	Optional Free Offset/s - Multiple Offsets available \| Max 10ha (25 acres) \| Min. 20,000 population. \| IO Loading .20% to 70% LVR and .40% to 90% LVR
Navy	Navy Prime Visa OO FD			7.00% (7.42%) $2,000,000 [N/A]	7.10% (7.51%) $2,000,000 [N/A]	7.10% (7.51%) $1,750,000 [N/A]				11 May 2026	31 Mar 2026	18 mths	Clawback	1, 2	0.40%	$330 - Individuals; $550 - Company or Trusts	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset/s - 1 per split \| Max 10ha (25 acres) \| Acceptable Visas: 188 , 309, 444, 475, 476, 485, 487, 489, 500, 820, 884, Bridging A & B \| IO Loading .20% to 70% LVR and .40% to 90% LVR
Ocean	D2 Ocean Diamond A FD - OO		6.84% (6.92%) $2,000,000 [Nil]	6.99% (7.07%) $2,000,000 [n/a]	6.99% (7.07%) $2,000,000 [n/a]	7.09% (7.17%) $2,000,000 [n/a]				11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85 Altdoc \| FD - OO						7.84% (7.95%) $1,750,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	OO, INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Purple	P1 Special OOO A FD		6.69% (7.03%) $5,000,000 [n/a]		6.74% (7.08%) $5,000,000 [n/a]	6.84% (7.17%) $5,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	$1,495	OO	PI	12 mths	30 yrs	$100,000	$5,000,000	$995 App Fee \| No Risk Fee \| Add 0.40% for Int Only with good reason for OO IO \| Can have 1 yrs ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	Prime A Full Doc		6.79% (7.18%) $5,000,000 [n/a]		6.89% (7.28%) $5,000,000 [n/a]	6.99% (7.37%) $5,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	Prime MaX A Full Doc		7.49% (7.89%) $10,000,000 [n/a]		7.99% (8.38%) $10,000,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.5%	OO, INV	PI	12 mths	30 yrs	$5,000,000	$10,000,000	App Fee = 1.50% \| Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \|
Investor
Cabernet	Flexi Investor - Var	6.59% (6.64%) $3,500,000		6.59% (6.64%) $3,500,000		6.69% (6.74%) $3,500,000	6.94% (7.13%) $3,000,000 [2.75%]	7.19% (7.44%) $3,000,000 [4.00%]	7.59% (7.93%) $2,000,000 [5.75%]	11 May 2026	-	24 mths	Clawback	1, 2	0.40%	$330	INV	PI	24 mths	30 yrs	$50,000	$3,500,000	$395 Annual Fee.
Navy	N1 Navy Prime INV FD			6.95% (7.37%) $2,000,000 [N/A]	7.05% (7.46%) $2,000,000 [N/A]	7.05% (7.46%) $1,750,000 [N/A]				11 May 2026	-	18 mths	Clawback	1, 2	0.40%	$330 - Individuals; $550 - Company or Trusts	INV	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset - multiple offsets available [1 per split] \| Max 10ha (25 acres) \| Min. 20,000 population. \| Extensive Visa List \| IO Loading .20% to 70% LVR and .40% to 90% LVR. No loading if PAYG
Ocean	D2 Ocean Diamond A FD - INV		6.99% (7.05%) $2,000,000 [n/a]	7.14% (7.22%) $2,000,000 [n/a]	7.24% (7.32%) $2,000,000 [n/a]	7.24% (7.32%) $2,000,000 [n/a]				11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.3	0.35%	INV	PI	24 mths	30 yrs	$100,000	$2,000,000	Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85 Altdoc \| FD - OO						7.84% (7.95%) $1,750,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	OO, INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Ocean	D2a Ocean Diamond 85A Altdoc \| FD - INV						7.99% (8.10%) $1,750,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1	0.3	1.00%	INV	PI	24 mths	30 yrs	$100,000	$1,750,000	Max. $300k Cash Out @ 85% LVR \| Can refinance ATO debt on Prime products \| 😊😊
Purple	Prime A Full Doc		6.79% (7.18%) $5,000,000 [n/a]		6.89% (7.28%) $5,000,000 [n/a]	6.99% (7.37%) $5,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1%	OO, INV	PI	12 mths	30 yrs	$100,000	$5,000,000	Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \| Can refinance ATO debt on Prime products \| 😊😊.
Purple	Prime MaX A Full Doc		7.49% (7.89%) $10,000,000 [n/a]		7.99% (8.38%) $10,000,000 [n/a]					20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.5%	OO, INV	PI	12 mths	30 yrs	$5,000,000	$10,000,000	App Fee = 1.50% \| Add 0.40% for Int Only with good reason for OO IO \| Can use 1 yr ITR's for SE \|

Near Prime

Loan Type	Loan Name	60%	65%	70%	75%	80%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Ocean	Ocean Emerald B OO Full Doc		7.49% (7.57%) $2,000,000 [n/a]	7.59% (7.67%) $2,000,000 [n/a]	7.59% (7.67%) $2,000,000 [n/a]	7.74% (7.82%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	OO	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Ocean	Ocean Emerald MaX B OO Full Doc		7.49% (7.58%) $3,000,000 [n/a]	7.59% (7.68%) $3,000,000 [n/a]	7.59% (7.68%) $3,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.70%	OO	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Investor
Navy	Navy Lifestyle B Full Doc INV	7.19% (7.67%) $2,000,000 [1.00%]	7.19% (7.67%) $2,000,000 [1.00%]	7.19% (7.67%) $2,000,000 [1.00%]	7.49% (7.97%) $2,000,000 [1.00%]	7.49% (7.97%) $1,750,000 [1.00%]	11 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$2,000,000	ATO Debt OK \| 1 Year ITR \| Optional Offset - add 0.10% \| Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each \| One Life Event Default - no mortgage arrears \|
Ocean	Ocean Emerald B INV Full Doc		7.64% (7.72%) $2,000,000 [n/a]	7.49% (7.57%) $2,000,000 [n/a]	7.74% (7.82%) $2,000,000 [n/a]	7.89% (7.97%) $2,000,000 [n/a]	11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.35%	INV	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|
Ocean	Ocean Emerald MaX B INV Full Doc		7.64% (7.73%) $3,000,000 [n/a]	7.74% (7.83%) $3,000,000 [n/a]	7.74% (7.83%) $3,000,000 [n/a]		11 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.30%	0.70%	INV	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \| Discharged Bankrupts from 1 Year \|

Fixed Rate

Loan Type	Loan Name	70%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Cabernet	A. Flexi Home OO: 5 Yr Fixed	7.29% (7.33%) $3,500,000	11 May 2026	-	24 mths	Clawback	1, 2	0.40	$330	OO	PI	24 mths	30 yrs	$50,000	$3,500,000	Nil Annual Fee to 80% LVR \| Interest Only - Max 80% LVR for OO IO \| No Rate Buffering on 5 Yr Fixed Rates \| 😊😊
Cabernet	Flexi Home OO: 1-3 Yr Fixed	7.19% (7.23%) $3,500,000	11 May 2026	-	24 mths	Clawback	1, 2, 3	0.40	$330	OO	PI	24 mths	30 yrs	$50,000	$3,500,000	$Nil Annual Fee to 80% LVR \| Interest Only - Max 80% LVR for OO IO \| Free Offset account \|

Xpat

Prime

Loan Type	Loan Name	55%	60%	65%	70%	75%	80%	85%	90%	Eff Date	Promo Exp	Clawback	Clawback Type	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Navy	Xpat N6 OO - FD		7.13% (7.60%) $1,500,000 [0.25]		7.13% (7.63%) $1,500,000 [0.50%]	7.23% (7.73%) $1,500,000 [0.50%]	7.49% (7.96%) $1,500,000 [0.50]			11 May 2026	-	Nil mths	No Clawback	1, 2	WAIVED	$990	OO	PI	24 mths	28 yrs	$150,000	$1,500,000	PAYG or Self Employed \| No Clawback \| No Min Size - Units \| Risk Fee - all loans \| App Fee includes Val fee to $440 \| $499 Annual Fee \| Equity Release (No Cash Out) \| Metro Locations Only \|😊
Purple	Xpat P1 Prime FD			7.49% (7.89%) $3,000,000 [n/a]		7.69% (8.08%) $3,000,000 [n/a]	7.99% (8.38%) $3,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$3,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \| Aussie EXPATS.
Purple	Xpat P2 Prime FD MAX			7.79% (8.19%) $5,000,000 [n/a]		8.09% (8.48%) $10,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.5%	OO, INV	PI	12 mths	30 yrs	$5,000,000	$10,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \| Aussie EXPATS \| Max Loan $5.0m.
Investor
Cabernet	Xpat C1		6.89% (7.39%) $2,000,000		6.89% (7.39%) $2,000,000	6.99% (7.53%) $2,000,000 [0.75%]	6.99% (7.54%) $2,000,000 [1.00%]	7.24% (7.85%) $2,000,000 [2.25%]	7.49% (8.15%) $2,000,000 [3.5%]	11 May 2026	-	24 mths	Clawback	1, 2	0.40%	$500	INV	PI	-	30 yrs	$50,000	$2,000,000	Add 0.40% for Int Only \| Offset available \| LPF applies to all Xpat loans \| Equity Release & Cash Out to 75% LVR \| XPATS ONLY! 😊
Navy	Navy Freedom N3 Non Res INV - FD				7.49% (7.99%) $1,500,000 [0.50%]	7.68% (8.20%) $1,500,000 [1.00%]	8.29% (8.80%) $1,500,000 [1.00%]			11 May 2026	-	Nil mths	No Clawback	1, 2	WAIVED	$990	INV	PI	24 mths	28 yrs	$150,000	$1,500,000	PAYG or Self Employed \| No Clawback \| No Min Size - Units \| Risk Fee - all loans \| $550 App Fee \| $499 Annual Fee \| Equity Release (No Cash Out) \| Metro Locations Only \|😊
Navy	Xpat N1 INV - FD		7.13% (7.62%) $1,500,000 [0.25%]		7.23% (7.73%) $1,500,000 [0.50%]	7.33% (7.82%) $1,500,000 [0.50%]				11 May 2026	-	Nil mths	No Clawback	1, 2	WAIVED	$990	INV	PI	24 mths	28 yrs	$150,000	$1,500,000	PAYG or Self Employed \| No Clawback \| No Min Size - Units \| Risk Fee - all loans \| App Fee includes Val fee to $440 \| $499 Annual Fee \| Equity Release (No Cash Out) \| Metro Locations Only \|😊
Ocean	Non Resident INV - Cat 1	8.14% (8.27%) $1,500,000 [n/a]			8.24% (8.37%) $1,500,000 [n/a]	8.24% (8.37%) $1,500,000 [n/a]				11 May 2026	-	Nil mths	No Clawback	1	0.30%	1.50%	INV	PI	-	30 yrs	$100,000	$1,500,000	Purchase or Refinance - No Cash Out.
Ocean	Xpat O1 INV			7.64% (7.74%) $2,000,000 [n/a]		7.79% (7.89%) $2,000,000 [n/a]	7.89% (7.99%) $1,750,000 [n/a]			11 May 2026	-	Nil mths	No Clawback	1, 2	0.30%	0.75%	INV	PI	-	30 yrs	$100,000	$2,000,000	Purchase or Refinance - No Cash Out.
Platinum	X2 Xpat Alternate Altdoc [S/E Only]						7.54% (7.93%) $1,000,000 [Nil]			20 May 2026	-	18 mths	No Clawback	1	Nil	$990	INV	PI	24 mths	30 yrs	$150,000	$1,000,000	No Min. Size Units \| Reduced Loan Size in Cat 3 & 4 \| Refer Acceptable Country List - incl. China, India, New Zealand, PNG, Sri Lanka, UK, UAE, USA, Vietnam \| Annual Fee Waiver 0.10% rate loading available \| Free Offset \| No IO Loading \| Unlimited Cash Out to $500k \| No Overseas Credit Report \| Self Employed OK 😊😊
Platinum	X3 Xpat Alternate MaX Altdoc [S/E Only]						7.54% (7.93%) $2,000,000 [Nil]			20 May 2026	-	18 mths	No Clawback	1	Nil	$990	INV	PI	24 mths	30 yrs	$1,000,000	$2,000,000	No Min. Size Units \| Reduced Loan Size in Cat 3 & 4 \| Refer Acceptable Country List - incl. China, India, New Zealand, PNG, Sri Lanka, UK, UAE, USA, Vietnam \| Annual Fee Waiver 0.10% rate loading available \| Free Offset \| No IO Loading \| Unlimited Cash Out to $500k \| No Overseas Credit Report \| Self Employed OK 😊😊
Purple	Non-Resident P3 Prime FD			8.14% (8.54%) $3,000,000 [n/a]		8.24% (8.64%) $3,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1.65%	INV	PI	12 mths	30 yrs	$100,000	$3,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \|
Purple	Non-Resident P4 MAX Prime FD			8.34% (8.74%) $5,000,000 [n/a]		8.84% (9.23%) $5,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1.65%	INV	PI	12 mths	30 yrs	$3,000,000	$5,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \|
Purple	Xpat P1 Prime FD			7.49% (7.89%) $3,000,000 [n/a]		7.69% (8.08%) $3,000,000 [n/a]	7.99% (8.38%) $3,000,000 [n/a]			20 May 2026	-	Nil mths	No Clawback	1, 2	0.40%	1.4%	OO, INV	PI	12 mths	30 yrs	$100,000	$3,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \| Aussie EXPATS.
Purple	Xpat P2 Prime FD MAX			7.79% (8.19%) $5,000,000 [n/a]		8.09% (8.48%) $10,000,000 [n/a]				20 May 2026	-	Nil mths	No Clawback	1, 2, 3, 4	0.40%	1.5%	OO, INV	PI	12 mths	30 yrs	$5,000,000	$10,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \| Aussie EXPATS \| Max Loan $5.0m.

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