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.
Alt Doc
Prime
| Loan Type | Loan Name | 50% | 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 | |||||||||||||||||||||||||
| Navy | Navy Options Altdoc OO | 5.99% (6.42%) $2,000,000 [n/a] | 6.19% (6.62%) $2,000,000 [n/a] | 6.33% (6.76%) $2,000,000 [n/a] | 6.33% (6.76%) $1,750,000 [n/a] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1, 2 | 0.20% | $330 | 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 | 6.29% (6.72%) $2,000,000 [n/a] | 6.49% (6.91%) $2,000,000 [n/a] | 6.63% (7.05%) $2,000,000 [n/a] | 6.63% (7.05%) $1,750,000 [n/a] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1, 2 | 0.20% | $330 | 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 | 6.34% (6.43%) $2,000,000 [n/a] | 6.44% (6.53%) $2,000,000 [n/a] | 6.44% (6.53%) $2,000,000 [n/a] | 6.54% (6.63%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.34% (6.47%) $3,000,000 [n/a] | 6.44% (6.57%) $3,000,000 [n/a] | 6.44% (6.57%) $3,000,000 [n/a] | 6.54% (6.67%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 | D4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals] | 6.99% (7.61%) $3,500,000 [n/a] | 15 Aug 2025 | - | 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] | 6.99% (7.14%) $5,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | 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] | 6.99% (7.14%) $5,000,000 [n/a] | 7.64% (7.78%) $5,000,000 [n/a] | 7.54% (7.69%) $3,500,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.25% | 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 | 7.49% (7.65%) $5,000,000 [n/a] | 7.74% (7.90%) $5,000,000 [n/a] | 7.89% (8.04%) $5,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.49% (7.65%) $5,000,000 [n/a] | 7.74% (7.90%) $5,000,000 [n/a] | 7.89% (8.04%) $5,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.59% (7.23%) $3,000,000 [n/a] | 22 May 2025 | - | 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 | 6.39% (6.80%) $1,000,000 [Nil] | 15 Aug 2025 | - | 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 | 6.14% (6.61%) $1,000,000 [1.00%] | 6.14% (6.61%) $1,000,000 [1.00%] | 6.14% (6.61%) $1,000,000 [1.00%] | 15 Aug 2025 | - | 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] | 6.69% (7.09%) $2,000,000 [Nil] | 15 Aug 2025 | - | 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] | 6.39% (6.80%) $1,500,000 [Nil] | 6.39% (6.80%) $1,200,000 [Nil] | 15 Aug 2025 | - | 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 | 6.89% (7.32%) $1,000,000 [0.50%] | 15 Aug 2025 | - | 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 | 6.59% (6.99%) $1,000,000 [Nil] | 6.59% (6.99%) $1,000,000 [Nil] | 6.59% (6.99%) $1,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1 | 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 | 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 | 6.89% (7.29%) $1,500,000 [Nil] | 6.89% (7.29%) $1,200,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1 | 0.30% | $330 | OO | PI | 24 mths | 30 yrs | $150,000 | $1,500,000 | 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 | 6.59% (7.29%) $750,000 [Nil] | 15 Aug 2025 | - | 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 | 6.19% (6.59%) $3,000,000 [n/a] | 6.24% (6.64%) $3,000,000 [n/a] | 6.39% (6.78%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Prime A Altdoc | 6.39% (6.80%) $3,000,000 [n/a] | 6.49% (6.90%) $3,000,000 [n/a] | 6.54% (6.95%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Prime MaX A Altdoc | 7.24% (7.64%) $10,000,000 [n/a] | 7.69% (8.08%) $10,000,000 [n/a] | 7.79% (8.18%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Rural <100 acres Altdoc A | 7.64% (8.01%) $2,500,000 [n/a] | 7.64% (8.01%) $2,500,000 [n/a] | 15 Sep 2025 | - | 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 | 8.99% (9.35%) $2,000,000 [n/a] | 15 Sep 2025 | - | 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 | | |||||||||
| Red | SE Prime A Altdoc OO | 5.99% (6.21%) $1,500,000 [Nil] | 5.99% (6.21%) $1,500,000 [Nil] | 6.35% (6.57%) $1,500,000 [Nil] | 6.35% (6.57%) $1,500,000 [Nil] | 7.35% (7.61%) $750,000 [1.00%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.33% - 0.35% | $399 | OO | PI | 24 mths | 30 yrs | $100,000 | $1,500,000 | App Fee includes 1 val to $2m value | Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres) | Max $1.5m Cash Out | | |||||
| Red | SE Prime A Max Altdoc OO | 6.09% (6.31%) $2,000,000 [Nil] | 6.09% (6.31%) $2,000,000 [Nil] | 6.45% (6.67%) $2,000,000 [Nil] | 6.45% (6.67%) $2,000,000 [Nil] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.33% - 0.35% | $399 | OO | PI | 24 mths | 30 yrs | $1,500,000 | $2,000,000 | App Fee includes 1 val to $2m value | Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres) | | ||||||
| Red | SE Prime A Maxima Altdoc OO | 6.14% (6.40%) $2,500,000 [Nil] | 6.14% (6.40%) $2,500,000 [Nil] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.33% - 0.35% | - | OO | PI | 24 mths | 30 yrs | $2,000,000 | $2,500,000 | Interest Only - max 2 yrs 70% for OO IO | No ETF on resi securities | Max $1.5m Cash Out | | ||||||||
| Red | SE Prime XL Altdoc A | 7.15% (7.46%) $3,500,000 [1.25%] | 7.54% (7.85%) $3,500,000 [1.25%] | 7.64% (7.95%) $3,500,000 [1.25%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 2 | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $2,000,000 | $3,500,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations. | |||||||
| Red | SE Prime XL Jumbo Altdoc A | 7.15% (7.46%) $5,000,000 [1.25%] | 7.54% (7.85%) $5,000,000 [1.25%] | 7.64% (7.95%) $5,000,000 [1.25%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1 | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only. | |||||||
| Investor | |||||||||||||||||||||||||
| Navy | Navy Options Altdoc INV | 6.33% (6.76%) $2,000,000 [n/a] | 6.39% (6.81%) $2,000,000 [n/a] | 6.53% (6.95%) $2,000,000 [n/a] | 6.53% (6.95%) $1,750,000 [n/a] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1, 2 | 0.20% | $330 | 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 | D3 Ocean Diamond A FD - INV | 6.64% (6.73%) $2,000,000 [n/a] | 6.74% (6.83%) $2,000,000 [n/a] | 6.74% (6.83%) $2,000,000 [n/a] | 6.84% (6.93%) $2,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.30% | 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 | D4 Diamond Max A - Altdoc INV | 6.64% (6.77%) $3,000,000 [n/a] | 6.74% (6.87%) $3,000,000 [n/a] | 6.74% (6.87%) $3,000,000 [n/a] | 6.84% (6.97%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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] | 6.99% (7.61%) $3,500,000 [n/a] | 15 Aug 2025 | - | 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] | 6.99% (7.14%) $5,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | 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] | 6.99% (7.14%) $5,000,000 [n/a] | 7.64% (7.78%) $5,000,000 [n/a] | 7.54% (7.69%) $3,500,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.25% | 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 | 7.49% (7.65%) $5,000,000 [n/a] | 7.74% (7.90%) $5,000,000 [n/a] | 7.89% (8.04%) $5,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.49% (7.65%) $5,000,000 [n/a] | 7.74% (7.90%) $5,000,000 [n/a] | 7.89% (8.04%) $5,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.69% (7.09%) $1,000,000 [Nil] | 15 Aug 2025 | - | 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 | 6.99% (7.39%) $2,000,000 [Nil] | 15 Aug 2025 | - | 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 | 7.19% (7.61%) $1,000,000 [0.50%] | 15 Aug 2025 | - | 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 | 6.89% (7.29%) $1,000,000 [Nil] | 6.89% (7.29%) $1,000,000 [Nil] | 6.89% (7.29%) $1,000,000 [Nil] | 15 Aug 2025 | - | 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 | 6mth BAS or Acct Dec | Unlimited Cash Out - No evidence to $500k | | |||||||
| Platinum | A5 Altdoc MaX [Acct Dec/BAS] - Cat 1 INV | 7.19% (7.29%) $1,500,000 [Nil] | 7.19% (7.29%) $1,200,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1 | 0.30% | $330 | INV | PI | 24 mths | 30 yrs | $1,000,000 | $1,500,000 | 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 | 6.59% (6.99%) $750,000 [Nil] | 15 Aug 2025 | - | 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] | 6.69% (7.09%) $1,000,000 [Nil] | 15 Aug 2025 | - | 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] | 6.99% (7.09%) $2,000,000 [Nil] | 15 Aug 2025 | - | 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 | 6.39% (6.92%) $3,000,000 [n/a] | 6.49% (7.01%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.40% | 1.4% | INV, NDIS | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 6.39% (6.80%) $3,000,000 [n/a] | 6.49% (6.90%) $3,000,000 [n/a] | 6.54% (6.95%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Prime MaX A Altdoc | 7.24% (7.64%) $10,000,000 [n/a] | 7.69% (8.08%) $10,000,000 [n/a] | 7.79% (8.18%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Rural <100 acres Altdoc A | 7.64% (8.01%) $2,500,000 [n/a] | 7.64% (8.01%) $2,500,000 [n/a] | 15 Sep 2025 | - | 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 | 8.99% (9.35%) $2,000,000 [n/a] | 15 Sep 2025 | - | 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 | | |||||||||
| Red | SE Prime A Altdoc INV | 6.19% (6.41%) $1,500,000 [Nil] | 6.19% (6.41%) $1,500,000 [Nil] | 6.55% (6.77%) $1,500,000 [Nil] | 6.55% (6.77%) $1,500,000 [Nil] | 7.55% (7.81%) $750,000 [1.00%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.05% - 0.15% | $399 | INV | PI | 24 mths | 30 yrs | $100,000 | $1,500,000 | App Fee includes 1 val to $2m value | Int Only - Max 2 yrs - Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out | | |||||
| Red | SE Prime A Max Altdoc INV | 6.29% (6.51%) $2,000,000 [Nil] | 6.29% (6.51%) $2,000,000 [Nil] | 6.65% (6.87%) $2,000,000 [Nil] | 6.65% (6.87%) $2,000,000 [Nil] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.05% - 0.15% | $399 | INV | PI | 24 mths | 30 yrs | $1,500,000 | $2,000,000 | App Fee includes 1 val to $2m value | Int Only - Max 2 yrs - Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out | | ||||||
| Red | SE Prime A Maxima Altdoc INV | 6.34% (6.60%) $2,500,000 [Nil] | 6.34% (6.60%) $2,000,000 [Nil] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.05% - 0.15% | - | INV | PI | 24 mths | 30 yrs | $1,500,000 | $2,500,000 | No ETF on Resi securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out | | ||||||||
| Red | SE Prime XL Altdoc A | 7.15% (7.46%) $3,500,000 [1.25%] | 7.54% (7.85%) $3,500,000 [1.25%] | 7.64% (7.95%) $3,500,000 [1.25%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 2 | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $2,000,000 | $3,500,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations. | |||||||
| Red | SE Prime XL Jumbo Altdoc A | 7.15% (7.46%) $5,000,000 [1.25%] | 7.54% (7.85%) $5,000,000 [1.25%] | 7.64% (7.95%) $5,000,000 [1.25%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1 | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only. | |||||||
| NDIS | |||||||||||||||||||||||||
| Navy | Navy NDIS Altdoc INV [Max 4 rooms] | 7.29% (7.80%) $2,000,000 [n/a] | 7.49% (8.00%) $2,000,000 [n/a] | 7.63% (8.14%) $2,000,000 [n/a] | 7.63% (8.14%) $1,750,000 [n/a] | 29 Sep 2025 | - | 18 mths | Clawback | 1 | 0.20% | $550 | NDIS | PI | - | 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 | 6.39% (6.92%) $3,000,000 [n/a] | 6.49% (7.01%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.40% | 1.4% | INV, NDIS | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 50% | 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 | |||||||||||||||||||||||||
| Navy | Navy Lifestyle B Altdoc OO - [CB#1] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.99% (7.48%) $2,000,000 [1.00%] | 6.99% (7.48%) $1,750,000 [1.00%] | 29 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | OO | 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 Specialist C Altdoc OO - [NCB#2] | 7.84% (8.33%) $1,000,000 [1.25%] | 8.05% (8.54%) $1,000,000 [1.25%] | 8.05% (8.54%) $1,000,000 [1.25%] | 8.35% (8.83%) $1,000,000 [1.25%] | 8.85% (9.33%) $1,000,000 [1.25%] | 29 Sep 2025 | - | 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 | 6.89% (6.98%) $3,000,000 [n/a] | 6.99% (7.08%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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% | 6.99% (7.05%) $3,000,000 [n/a] | 7.19% (7.29%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.19% (7.30%) $3,000,000 [n/a] | 7.29% (7.40%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.29% (7.41%) $3,000,000 [n/a] | 7.59% (7.71%) $1,750,000 [n/a] | 15 Aug 2025 | - | 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 | 7.89% (8.01%) $1,500,000 [n/a] | 7.99% (8.11%) $1,500,000 [n/a] | 7.99% (8.12%) $1,500,000 [n/a] | 8.34% (8.47%) $1,250,000 [n/a] | 15 Aug 2025 | - | 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 | 7.24% (7.64%) $3,000,000 [n/a] | 7.59% (7.99%) $3,000,000 [n/a] | 7.59% (7.99%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | No Risk Fee | OO Only | Security determines the rate (not purpose) | Max 10 ha (25 acres) | Impaired Credit | Life Events OK | | |||||||
| Red | Reward B Altdoc - OO | 6.70% (6.96%) $2,500,000 [Nil] | 6.70% (6.96%) $2,500,000 [Nil] | 6.75% (7.01%) $2,250,000 [Nil] | 6.75% (7.04%) $2,000,000 [0.50%] | 6.95% (7.23%) $1,750,000 [0.50%] | 7.95% (8.27%) $1,500,000 [1.50%] | 8.95% (9.29%) $1,000,000 [2.00%] | 15 Aug 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2, 3 | 0.25% - 0.40% | 399 | OO | PI | 12 mths | 30 yrs | $100,000 | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70%; 1.50% 80-85%; 2.0% 85-90% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | |||
| Investor | |||||||||||||||||||||||||
| Navy | Navy Lifestyle B Altdoc INV - [CB#1] | 6.94% (7.38%) $2,000,000 [Nil] | 6.94% (7.38%) $2,000,000 [Nil] | 6.94% (7.38%) $2,000,000 [Nil] | 7.24% (7.72%) $2,000,000 [1.00%] | 7.24% (7.72%) $1,750,000 [1.00%] | 29 Sep 2025 | - | 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 | 7.19% (7.28%) $3,000,000 [n/a] | 7.29% (7.38%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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% | 7.29% (7.39%) $3,000,000 [n/a] | 7.49% (7.59%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.49% (7.89%) $3,000,000 [n/a] | 7.74% (8.13%) $3,000,000 [n/a] | 7.74% (8.13%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.50% App Fee | No Risk Fee | Investment Only | Security determines the rate (not purpose) | Max 10 ha (25 acres). | |||||||
| Red | Reward B Altdoc - INV | 6.90% (7.16%) $2,500,000 [Nil] | 6.90% (7.16%) $2,500,000 [Nil] | 6.95% (7.21%) $2,250,000 [Nil] | 6.95% (7.23%) $2,000,000 [0.50%] | 7.15% (7.43%) $1,750,000 [0.50%] | 8.15% (8.47%) $1,500,000 [1.50%] | 9.15% (9.49%) $1,000,000 [2.00%] | 15 Aug 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2, 3 | 0.25% - 0.40% | 399 | INV | PI | 12 mths | 30 yrs | $100,000 | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70%; 1.50% 80-85%; 2.0% 85-90% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | |||
ATO Debt
Prime
| Loan Type | Loan Name | 50% | 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 | |||||||||||||||||||||||||
| Ocean | D1 Diamond A Altdoc OO | 6.34% (6.43%) $2,000,000 [n/a] | 6.44% (6.53%) $2,000,000 [n/a] | 6.44% (6.53%) $2,000,000 [n/a] | 6.54% (6.63%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.24% (6.32%) $2,000,000 [Nil] | 6.39% (6.47%) $2,000,000 [n/a] | 6.39% (6.47%) $2,000,000 [n/a] | 6.49% (6.57%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | Rural A Altdoc OO | 6.59% (7.23%) $3,000,000 [n/a] | 22 May 2025 | - | 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 | 6.09% (6.44%) $3,000,000 [n/a] | 6.24% (6.58%) $3,000,000 [n/a] | 6.29% (6.63%) $3,000,000 [n/a] | 18 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | $1,495 | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | $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 | 6.19% (6.59%) $3,000,000 [n/a] | 6.24% (6.64%) $3,000,000 [n/a] | 6.39% (6.78%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Prime A Altdoc | 6.39% (6.80%) $3,000,000 [n/a] | 6.49% (6.90%) $3,000,000 [n/a] | 6.54% (6.95%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Prime A Full Doc | 6.24% (6.64%) $3,000,000 [n/a] | 6.39% (6.78%) $3,000,000 [n/a] | 6.49% (6.88%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 7.24% (7.64%) $10,000,000 [n/a] | 7.69% (8.08%) $10,000,000 [n/a] | 7.79% (8.18%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Prime MaX A Full Doc | 6.79% (7.20%) $10,000,000 [n/a] | 7.24% (7.65%) $10,000,000 [n/a] | 7.49% (7.89%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.5% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 7.64% (8.01%) $2,500,000 [n/a] | 7.64% (8.01%) $2,500,000 [n/a] | 15 Sep 2025 | - | 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 | | ||||||||
| Red | SE Prime A Altdoc OO | 5.99% (6.21%) $1,500,000 [Nil] | 6.35% (6.57%) $1,500,000 [Nil] | 6.35% (6.57%) $1,500,000 [Nil] | 7.35% (7.61%) $750,000 [1.00%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.33% - 0.35% | $399 | OO | PI | 24 mths | 30 yrs | $100,000 | $1,500,000 | App Fee includes 1 val to $2m value | Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres) | Max $1.5m Cash Out | | ||||||
| Investor | |||||||||||||||||||||||||
| Ocean | D3 Ocean Diamond A FD - INV | 6.64% (6.73%) $2,000,000 [n/a] | 6.74% (6.83%) $2,000,000 [n/a] | 6.74% (6.83%) $2,000,000 [n/a] | 6.84% (6.93%) $2,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.30% | 0.35% | INV | PI | 24 mths | 30 yrs | $100,000 | $2,000,000 | Can refinance ATO debt on Prime products | 😊😊 | ||||||
| Purple | Prime A Altdoc | 6.39% (6.80%) $3,000,000 [n/a] | 6.49% (6.90%) $3,000,000 [n/a] | 6.54% (6.95%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Prime A Full Doc | 6.24% (6.64%) $3,000,000 [n/a] | 6.39% (6.78%) $3,000,000 [n/a] | 6.49% (6.88%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 7.24% (7.64%) $10,000,000 [n/a] | 7.69% (8.08%) $10,000,000 [n/a] | 7.79% (8.18%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple | Prime MaX A Full Doc | 6.79% (7.20%) $10,000,000 [n/a] | 7.24% (7.65%) $10,000,000 [n/a] | 7.49% (7.89%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.5% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 7.64% (8.01%) $2,500,000 [n/a] | 7.64% (8.01%) $2,500,000 [n/a] | 15 Sep 2025 | - | 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 | | ||||||||
| Red | SE Prime A Altdoc INV | 6.19% (6.41%) $1,500,000 [Nil] | 6.19% (6.41%) $1,500,000 [Nil] | 6.55% (6.77%) $1,500,000 [Nil] | 6.55% (6.77%) $1,500,000 [Nil] | 7.55% (7.81%) $750,000 [1.00%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.05% - 0.15% | $399 | INV | PI | 24 mths | 30 yrs | $100,000 | $1,500,000 | App Fee includes 1 val to $2m value | Int Only - Max 2 yrs - Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out | | |||||
Near Prime
| Loan Type | Loan Name | 50% | 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 | |||||||||||||||||||||||||
| Navy | Navy Lifestyle B Altdoc OO - [CB#1] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.99% (7.48%) $2,000,000 [1.00%] | 6.99% (7.48%) $1,750,000 [1.00%] | 29 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | OO | 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 OO - [CB #1] | 6.44% (6.88%) $2,000,000 [Nil] | 6.44% (6.88%) $2,000,000 [Nil] | 6.44% (6.88%) $2,000,000 [Nil] | 6.74% (7.22%) $2,000,000 [0.70%] | 6.74% (7.22%) $1,750,000 [0.70%] | 29 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | OO | 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 | | |||||
| Navy | Navy Specialist C Altdoc OO - [NCB#2] | 7.84% (8.33%) $1,000,000 [1.25%] | 8.05% (8.54%) $1,000,000 [1.25%] | 8.05% (8.54%) $1,000,000 [1.25%] | 8.35% (8.83%) $1,000,000 [1.25%] | 8.85% (9.33%) $1,000,000 [1.25%] | 29 Sep 2025 | - | 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 | 6.89% (6.98%) $3,000,000 [n/a] | 6.99% (7.08%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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% | 6.99% (7.05%) $3,000,000 [n/a] | 7.19% (7.29%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.74% (6.82%) $2,000,000 [n/a] | 6.84% (6.92%) $2,000,000 [n/a] | 6.84% (6.92%) $2,000,000 [n/a] | 6.99% (7.07%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.74% (6.84%) $3,000,000 [n/a] | 6.84% (6.94%) $3,000,000 [n/a] | 6.84% (6.94%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.24% (7.64%) $3,000,000 [n/a] | 7.59% (7.99%) $3,000,000 [n/a] | 7.59% (7.99%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 6.89% (7.28%) $3,000,000 [n/a] | 7.09% (7.47%) $3,000,000 [n/a] | 7.19% (7.57%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Owner Occupied Only. Add 0.40% for Int Only. Security determines the purpose - can have OO ino Company. No Rate Loading for Inv. | |||||||
| Red | Reward B Altdoc - OO | 6.70% (6.96%) $2,500,000 [Nil] | 6.70% (6.96%) $2,500,000 [Nil] | 6.75% (7.01%) $2,250,000 [Nil] | 6.75% (7.04%) $2,000,000 [0.50%] | 6.95% (7.23%) $1,750,000 [0.50%] | 7.95% (8.27%) $1,500,000 [1.50%] | 8.95% (9.29%) $1,000,000 [2.00%] | 15 Aug 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2, 3 | 0.25% - 0.40% | 399 | OO | PI | 12 mths | 30 yrs | $100,000 | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70%; 1.50% 80-85%; 2.0% 85-90% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | |||
| Investor | |||||||||||||||||||||||||
| Navy | Navy Lifestyle B Altdoc INV - [CB#1] | 6.94% (7.38%) $2,000,000 [Nil] | 6.94% (7.38%) $2,000,000 [Nil] | 6.94% (7.38%) $2,000,000 [Nil] | 7.24% (7.72%) $2,000,000 [1.00%] | 7.24% (7.72%) $1,750,000 [1.00%] | 29 Sep 2025 | - | 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 - [CB #1] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.99% (7.46%) $2,000,000 [0.70%] | 6.99% (7.46%) $1,750,000 [0.70%] | 29 Sep 2025 | - | 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 | 7.19% (7.28%) $3,000,000 [n/a] | 7.29% (7.38%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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% | 7.29% (7.39%) $3,000,000 [n/a] | 7.49% (7.59%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.04% (7.12%) $2,000,000 [n/a] | 7.14% (7.22%) $2,000,000 [n/a] | 7.14% (7.22%) $2,000,000 [n/a] | 7.29% (7.37%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.04% (7.14%) $3,000,000 [n/a] | 7.14% (7.24%) $3,000,000 [n/a] | 7.14% (7.24%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.49% (7.89%) $3,000,000 [n/a] | 7.74% (8.13%) $3,000,000 [n/a] | 7.74% (8.13%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 7.14% (7.52%) $3,000,000 [n/a] | 7.24% (7.62%) $3,000,000 [n/a] | 7.34% (7.72%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Add 0.40% for Int Only. | |||||||
| Red | Reward B Altdoc - INV | 6.90% (7.16%) $2,500,000 [Nil] | 6.90% (7.16%) $2,500,000 [Nil] | 6.95% (7.21%) $2,250,000 [Nil] | 6.95% (7.23%) $2,000,000 [0.50%] | 7.15% (7.43%) $1,750,000 [0.50%] | 8.15% (8.47%) $1,500,000 [1.50%] | 9.15% (9.49%) $1,000,000 [2.00%] | 15 Aug 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2, 3 | 0.25% - 0.40% | 399 | INV | PI | 12 mths | 30 yrs | $100,000 | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70%; 1.50% 80-85%; 2.0% 85-90% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | |||
Bridging
Prime
| Loan Type | Loan Name | 50% | 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 | |||||||||||||||||||||||||
| Ocean | D5 Bridging - End Debt (ED) AB | 7.49% (7.65%) $5,000,000 [n/a] | 7.74% (7.90%) $5,000,000 [n/a] | 7.89% (8.04%) $5,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.49% (7.65%) $5,000,000 [n/a] | 7.74% (7.90%) $5,000,000 [n/a] | 7.89% (8.04%) $5,000,000 [n/a] | 15 Aug 2025 | - | 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] | 7.74% (8.16%) $3,000,000 [n/a] | 7.84% (8.26%) $3,000,000 [n/a] | 7.99% (8.41%) $3,000,000 [n/a] | 15 Sep 2025 | - | 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 | 7.89% (8.31%) $10,000,000 [n/a] | 8.24% (8.65%) $10,000,000 [n/a] | 8.34% (8.75%) $5,000,000 [n/a] | 15 Sep 2025 | - | 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 | 7.49% (7.65%) $5,000,000 [n/a] | 7.74% (7.90%) $5,000,000 [n/a] | 7.89% (8.04%) $5,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.49% (7.65%) $5,000,000 [n/a] | 7.74% (7.90%) $5,000,000 [n/a] | 7.89% (8.04%) $5,000,000 [n/a] | 15 Aug 2025 | - | 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] | 7.74% (8.16%) $3,000,000 [n/a] | 7.84% (8.26%) $3,000,000 [n/a] | 7.99% (8.41%) $3,000,000 [n/a] | 15 Sep 2025 | - | 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 | 7.89% (8.31%) $10,000,000 [n/a] | 8.24% (8.65%) $10,000,000 [n/a] | 8.34% (8.75%) $5,000,000 [n/a] | 15 Sep 2025 | - | 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 | 50% | 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 | 5.75% (5.80%) $3,500,000 [N/A] | 5.75% (5.80%) $3,500,000 [N/A] | 5.85% (5.90%) $3,500,000 [N/A] | 5.85% (5.90%) $3,500,000 [N/A] | 6.35% (6.84%) $3,000,000 [1.75%] | 6.35% (6.91%) $3,000,000 [3.00%] | 6.85% (7.52%) $2,000,000 [5.50%] | 1 Sep 2025 | - | 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 | 5.90% (6.34%) $2,000,000 [N/A] | 6.00% (6.43%) $2,000,000 [N/A] | 6.00% (6.43%) $1,750,000 [N/A] | 6.39% (6.82%) $1,250,000 [LMI] | 6.99% (7.41%) $1,000,000 [LMI] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1, 2 | 0.40% | $330 | 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. | 😊😊 | |||||
| Navy | Navy Prime OO FD - Metro | 5.70% (6.14%) $3,000,000 [N/A] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1 | 0.40% | $330 | 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. | 😊😊 | |||||||||
| Navy | Navy Prime Visa OO FD | 6.25% (6.68%) $2,000,000 [N/A] | 6.35% (6.78%) $2,000,000 [N/A] | 6.35% (6.78%) $1,750,000 [N/A] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1, 2 | 0.40% | $330 | 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 |😊😊😊 | |||||||
| Ocean | D2 Ocean Diamond A FD - OO | 6.24% (6.32%) $2,000,000 [Nil] | 6.39% (6.47%) $2,000,000 [n/a] | 6.39% (6.47%) $2,000,000 [n/a] | 6.49% (6.57%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.24% (6.34%) $3,000,000 [n/a] | 6.39% (6.49%) $3,000,000 [n/a] | 6.39% (6.49%) $3,000,000 [n/a] | 6.49% (6.59%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 | D4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals] | 6.99% (7.61%) $3,500,000 [n/a] | 15 Aug 2025 | - | 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] | 6.99% (7.14%) $5,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | 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] | 6.99% (7.14%) $5,000,000 [n/a] | 7.54% (7.69%) $3,500,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.25% | 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 | P1 Primo OO FD - Cat 1 & 2 | 6.04% (6.45%) $1,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1, 2 | Nil | $330 | OO | PI | 24 mths, 60 mths | 30 yrs | $150,000 | $1,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||||
| Platinum | P2 Primo - MaX OO FD - Cat 1 | 6.34% (6.75%) $2,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1 | Nil | $330 | OO | PI | 24 mths, 60 mths | 30 yrs | $1,000,000 | $2,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||||
| Platinum | P3 Primo MaX OO FD - Cat 2 | 6.34% (6.75%) $1,200,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 2 | Nil | $330 | OO | PI | 24 mths, 60 mths | 30 yrs | $1,000,000 | $1,200,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||||
| Platinum | P4 Primo OO FD - Cat 3 & 4 | 6.04% (6.45%) $750,000 [Nil] | 6.04% (6.45%) $500,000 [Nil] | 6.04% (6.45%) $400,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 3, 4 | Nil | $330 | OO | PI | 24 mths, 60 mths | 30 yrs | $150,000 | $750,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||
| Purple | P1 Special OOO A FD | 6.09% (6.44%) $3,000,000 [n/a] | 6.24% (6.58%) $3,000,000 [n/a] | 6.29% (6.63%) $3,000,000 [n/a] | 18 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | $1,495 | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | $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 | 6.24% (6.64%) $3,000,000 [n/a] | 6.39% (6.78%) $3,000,000 [n/a] | 6.49% (6.88%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 6.79% (7.20%) $10,000,000 [n/a] | 7.24% (7.65%) $10,000,000 [n/a] | 7.49% (7.89%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.5% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 7.04% (7.42%) $2,500,000 [n/a] | 7.24% (7.62%) $2,500,000 [n/a] | 15 Sep 2025 | - | 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 | 8.99% (9.35%) $2,000,000 [n/a] | 15 Sep 2025 | - | 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 | | |||||||||
| Red | SE Prime A OO | 5.99% (6.21%) $1,500,000 [Nil] | 6.35% (6.57%) $1,500,000 [Nil] | 6.35% (6.57%) $1,500,000 [Nil] | 7.35% (7.61%) $1,500,000 [1.00%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.33% - 0.35% | $399 | OO | IO, PI | 24 mths | 30 yrs | $100,000 | $1,500,000 | App Fee includes 1 val to $2m value payable @ settlement | Int Only - max 2 yrs 70% for OO IO |No ETF on resi securities | | Can refinance ATO debt on Prime products | 😊😊. | ||||||
| Red | SE Prime MaX A - OO | 6.09% (6.31%) $2,000,000 [Nil] | 6.45% (6.67%) $2,000,000 [Nil] | 6.45% (6.67%) $2,000,000 [Nil] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.33% - 0.35% | $399 | OO | PI | 24 mths | 30 yrs | $1,500,000 | $2,000,000 | Interest Only - Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out | | |||||||
| Red | SE Prime Maxima A - OO | 6.14% (6.40%) $2,500,000 [Nil] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.33% - 0.35% | - | OO | PI | 24 mths | 30 yrs | $2,000,000 | $2,500,000 | Interest Only - Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out | | |||||||||
| Red | SE Prime XL A | 7.15% (7.46%) $3,500,000 [1.25%] | 7.54% (7.85%) $3,500,000 [1.25%] | 7.64% (7.95%) $3,500,000 [1.25%] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | Nil | - | OO, INV | IO, PI | 24 mths | 30 yrs | $2,500,000 | $3,500,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations. | |||||||
| Red | SE Prime XL Jumbo A | 7.15% (7.46%) $5,000,000 [1.25%] | 7.54% (7.85%) $5,000,000 [1.25%] | 7.64% (7.95%) $5,000,000 [1.25%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1 | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only. | |||||||
| Investor | |||||||||||||||||||||||||
| Cabernet | Co-Living INV - Var | 7.44% (7.54%) $3,500,000 [1.00%] | 7.44% (7.54%) $3,500,000 [1.00%] | 7.54% (7.64%) $3,500,000 [1.00%] | 7.54% (7.64%) $3,500,000 [1.00%] | 1 Sep 2025 | - | 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 | 5.94% (5.99%) $3,500,000 [Nil] | 5.94% (5.99%) $3,500,000 [Nil] | 6.04% (6.09%) $3,500,000 [Nil] | 6.04% (6.09%) $3,500,000 [Nil] | 6.54% (6.71%) $3,000,000 [2.25%] | 6.54% (6.77%) $3,000,000 [3.50%] | 7.04% (7.40%) $2,000,000 [6.00%] | 1 Sep 2025 | - | 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 | 5.90% (6.34%) $2,000,000 [N/A] | 6.00% (6.43%) $2,000,000 [N/A] | 6.00% (6.43%) $1,750,000 [N/A] | 6.39% (6.82%) $800,000 [LMI] | 7.39% (7.80%) $800,000 [LMI] | 29 Sep 2025 | - | 18 mths | Clawback | 1, 2 | 0.40% | $330 | 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 | 😊😊 | |||||
| Navy | ndis INV FD [Max 4 rooms] | 7.64% (8.05%) $2,000,000 [N/A] | 7.74% (8.14%) $2,000,000 [N/A] | 7.84% (8.24%) $1,750,000 [N/A] | 7.84% (8.37%) $1,750,000 [N/A] | 29 Sep 2025 | - | 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 | D3 Ocean Diamond A FD - INV | 6.54% (6.60%) $2,000,000 [n/a] | 6.69% (6.77%) $2,000,000 [n/a] | 6.69% (6.77%) $2,000,000 [n/a] | 6.79% (6.87%) $2,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.30% | 0.35% | INV | PI | 24 mths | 30 yrs | $100,000 | $2,000,000 | Can refinance ATO debt on Prime products | 😊😊 | ||||||
| Ocean | D3 Ocean Diamond MaX A FD - INV | 6.54% (6.64%) $3,000,000 [n/a] | 6.69% (6.79%) $3,000,000 [n/a] | 6.69% (6.79%) $3,000,000 [n/a] | 6.79% (6.89%) $3,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.30% | 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] | 6.99% (7.61%) $3,500,000 [n/a] | 15 Aug 2025 | - | 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] | 6.99% (7.14%) $5,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | 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] | 6.99% (7.14%) $5,000,000 [n/a] | 7.54% (7.69%) $3,500,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.25% | 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 | P1 Primo - INV FD - Cat 1 & 2 | 6.34% (6.75%) $1,000,000 [Nil] | 6.34% (6.75%) $1,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1, 2 | Nil | $330 | INV | PI | 24 mths, 60 mths | 30 yrs | $150,000 | $1,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | Int Only to 80% - No Loading. | ||||||||
| Platinum | P1 Primo Security - INV FD - Cat 1 & 2 | 6.84% (7.27%) $1,000,000 [0.50%] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1, 2 | Nil | $330 | INV | PI | 12 mths | 30 yrs | $150,000 | $1,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset | 0.50% Rate Loading for Temp Residents (Visas) | Must be SE for 5 yrs | IO to 80% - No Loading | Units <50m2 | Serviced Apartments | Holiday Let Securities | Resort Units | Dual Key Apartments | Up to 10 Units on 1 Title 😊😊 | |||||||||
| Platinum | P2 Primo - MaX INV FD - Cat 1 | 6.64% (7.04%) $2,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1 | Nil | $330 | INV | PI | 24 mths, 60 mths | 30 yrs | $1,000,000 | $2,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | Int Only to 80% - No Loading. | |||||||||
| Platinum | P3 Primo MaX - INV FD - Cat 2 | 6.64% (7.04%) $1,500,000 [Nil] | 6.64% (7.04%) $1,200,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 2 | Nil | $330 | INV | PI | 24 mths, 60 mths | 30 yrs | $1,000,000 | $1,500,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | Int Only to 80% - No Loading. | ||||||||
| Platinum | P4 Primo INV FD - Cat 3 & 4 | 6.34% (6.75%) $750,000 [Nil] | 6.34% (6.75%) $500,000 [Nil] | 6.34% (6.75%) $400,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 3, 4 | Nil | $330 | INV | PI | 24 mths, 60 mths | 30 yrs | $150,000 | $750,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||
| Platinum | X1 Xpat [PAYE Only] | 6.54% (6.95%) $1,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1, 2, 3, 4 | Nil | $990 | INV | PI | - | 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 | PAYE Only | 😊😊 | |||||||||
| Platinum | X2 Xpat Alternate Altdoc [S/E Only] | 6.69% (7.09%) $1,000,000 [Nil] | 15 Aug 2025 | - | 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] | 6.99% (7.09%) $2,000,000 [Nil] | 15 Aug 2025 | - | 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 | 6.24% (6.75%) $3,000,000 [n/a] | 6.39% (6.90%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.40% | 1% | INV, NDIS | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 7.64% (8.05%) $2,000,000 [n/a] | 7.74% (8.15%) $2,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.40% | 1.65% | INV | PI | 12 mths | 30 yrs | $100,000 | $2,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | | ||||||||
| Purple | Non-Resident P4 MAX Prime FD | 7.84% (8.24%) $5,000,000 [n/a] | 8.34% (8.74%) $5,000,000 [n/a] | 15 Sep 2025 | - | 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 | 6.24% (6.64%) $3,000,000 [n/a] | 6.39% (6.78%) $3,000,000 [n/a] | 6.49% (6.88%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 6.79% (7.20%) $10,000,000 [n/a] | 7.24% (7.65%) $10,000,000 [n/a] | 7.49% (7.89%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.5% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 7.04% (7.42%) $2,500,000 [n/a] | 7.24% (7.62%) $2,500,000 [n/a] | 15 Sep 2025 | - | 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 | 8.99% (9.35%) $2,000,000 [n/a] | 15 Sep 2025 | - | 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 | | |||||||||
| Red | SE Prime A INV | 6.19% (6.41%) $1,500,000 [Nil] | 6.55% (6.77%) $1,500,000 [Nil] | 6.55% (6.77%) $1,500,000 [Nil] | 7.55% (7.81%) $1,500,000 [1.00%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.05% - 0.15% | $399 | INV | IO, PI | 24 mths | 30 yrs | $100,000 | $1,500,000 | App Fee includes 1 val to $2m value payable @ settlement | No ETF on resi securities | | Can refinance ATO debt on Prime products | Xpat must work for multinational company |😊😊. | ||||||
| Red | SE Prime A Max - INV | 6.29% (6.51%) $2,000,000 [Nil] | 6.65% (6.87%) $2,000,000 [Nil] | 6.65% (6.87%) $2,000,000 [Nil] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.05% - 0.15% | $399 | INV | PI | 24 mths | 30 yrs | $1,500,000 | $2,000,000 | Int Only -Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities | | |||||||
| Red | SE Prime A Maxima - INV | 6.34% (6.60%) $2,500,000 [Nil] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.05% - 0.15% | - | INV | PI | 24 mths | 30 yrs | $2,000,000 | $2,500,000 | Int Only -Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities | | |||||||||
| Red | SE Prime XL A | 7.15% (7.46%) $3,500,000 [1.25%] | 7.54% (7.85%) $3,500,000 [1.25%] | 7.64% (7.95%) $3,500,000 [1.25%] | - | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | Nil | - | OO, INV | IO, PI | 24 mths | 30 yrs | $2,500,000 | $3,500,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations. | |||||||
| Red | SE Prime XL Jumbo A | 7.15% (7.46%) $5,000,000 [1.25%] | 7.54% (7.85%) $5,000,000 [1.25%] | 7.64% (7.95%) $5,000,000 [1.25%] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1 | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only. | |||||||
| NDIS | |||||||||||||||||||||||||
| Cabernet | Co-Living INV - Var | 7.44% (7.54%) $3,500,000 [1.00%] | 7.44% (7.54%) $3,500,000 [1.00%] | 7.54% (7.64%) $3,500,000 [1.00%] | 7.54% (7.64%) $3,500,000 [1.00%] | 1 Sep 2025 | - | 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 | NDIS - Inv Var | 7.55% (7.75%) $3,500,000 [1.00%] | 7.55% (7.75%) $3,500,000 [1.00%] | 7.65% (7.85%) $3,500,000 [1.00%] | 7.65% (7.85%) $3,500,000 [1.00%] | 15 Sep 2025 | - | 24 mths | Clawback | 1 | N/A | $550 | NDIS | PI | 24 mths | 30 yrs | $50,000 | $3,500,000 | NDIS | LPF applies all loans| Duplex is acceptable | Int Only is n/a | Max Radius from GPO SYD - 50kms; 25kms all mainland capital cities | No Cash Out | No Redraw | NO NDIS SMSF | | ||||||
| Cabernet | NDIS - OO Var | 7.25% (7.45%) $3,500,000 [1.00%] | 7.25% (7.45%) $3,500,000 [1.00%] | 7.35% (7.55%) $3,500,000 [1.00%] | 7.35% (7.55%) $3,500,000 [1.00%] | 7.85% (8.14%) $3,000,000 [2.75%] | 15 Sep 2025 | - | 24 mths | Clawback | 1, 2 | N/A | $550 | NDIS | PI | 24 mths | 30 yrs | $50,000 | $3,500,000 | NDIS | LPF applies to all loans | Interest Only is n/a | NDIS | Duplex is acceptable | No Cash Out | No Redraw | NO NDIS SMSF | | |||||
| Navy | ndis INV FD [Max 4 rooms] | 7.64% (8.05%) $2,000,000 [N/A] | 7.74% (8.14%) $2,000,000 [N/A] | 7.84% (8.24%) $1,750,000 [N/A] | 7.84% (8.37%) $1,750,000 [N/A] | 29 Sep 2025 | - | 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. | 😊😊😊 | ||||||
| Platinum | Primo - NDIS INV | 7.44% (7.83%) $1,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1 | Nil | $550 | NDIS | PI | 12 mths | 30 yrs | $150,000 | $1,000,000 | Free Offset account | 100% of Alternate Use Val | No Postcode Restrictions | House Only (no units or townhouses) | Max 2 tenanted bedrooms for Rental income | Cat 1 locations in QLD, NSW & VIC only | | |||||||||
| Purple | NDIS Prime A FD - INV | 6.24% (6.75%) $3,000,000 [n/a] | 6.39% (6.90%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.40% | 1% | INV, NDIS | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 50% | 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 | |||||||||||||||||||||||||
| Navy | Navy Lifestyle B Full Doc OO - [CB #1] | 6.44% (6.88%) $2,000,000 [Nil] | 6.44% (6.88%) $2,000,000 [Nil] | 6.44% (6.88%) $2,000,000 [Nil] | 6.74% (7.22%) $2,000,000 [0.70%] | 6.74% (7.22%) $1,750,000 [0.70%] | 29 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | OO | 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 OO Full Doc | 6.74% (6.82%) $2,000,000 [n/a] | 6.84% (6.92%) $2,000,000 [n/a] | 6.84% (6.92%) $2,000,000 [n/a] | 6.99% (7.07%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.74% (6.84%) $3,000,000 [n/a] | 6.84% (6.94%) $3,000,000 [n/a] | 6.84% (6.94%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.89% (7.28%) $3,000,000 [n/a] | 7.09% (7.47%) $3,000,000 [n/a] | 7.19% (7.57%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 - [CB #1] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.99% (7.46%) $2,000,000 [0.70%] | 6.99% (7.46%) $1,750,000 [0.70%] | 29 Sep 2025 | - | 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 | 7.04% (7.12%) $2,000,000 [n/a] | 7.14% (7.22%) $2,000,000 [n/a] | 7.14% (7.22%) $2,000,000 [n/a] | 7.29% (7.37%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.04% (7.14%) $3,000,000 [n/a] | 7.14% (7.24%) $3,000,000 [n/a] | 7.14% (7.24%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.14% (7.52%) $3,000,000 [n/a] | 7.24% (7.62%) $3,000,000 [n/a] | 7.34% (7.72%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Add 0.40% for Int Only. | |||||||
Fixed Rate
| Loan Type | Loan Name | 50% | 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 OO: 1-3 Yr Fixed | 5.80% (5.84%) $3,500,000 [Nil] | 5.90% (5.94%) $3,500,000 [Nil] | 6.40% (6.88%) $3,000,000 [1.75%] | 6.40% (6.95%) $3,000,000 [3.00%] | 2 Jun 2025 | - | 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 | | ||||||
| Cabernet | Flexi Home OO: 5 Yr Fixed | 5.75% (5.79%) $3,500,000 [Nil] | 5.85% (5.89%) $3,500,000 [Nil] | 6.70% (7.17%) $3,000,000 [1.75%] | 6.70% (7.24%) $3,000,000 [3.00%] | 2 Jun 2025 | - | 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 | No Break Fee Costs after 3 Yrs | 😊😊 | ||||||
| Investor | |||||||||||||||||||||||||
| Cabernet | Flexi Investor: 1-3 Yrs Fixed | 5.99% (6.03%) $3,500,000 [Nil] | 6.09% (6.13%) $3,500,000 [Nil] | 6.59% (6.75%) $3,000,000 [2.25%] | 6.59% (6.81%) $3,500,000 [3.50%] | 2 Jun 2025 | - | 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 | | ||||||
| Cabernet | Flexi Investor: 5 Yr Fixed | 6.29% (6.33%) $3,500,000 [Nil] | 6.39% (6.43%) $3,500,000 [Nil] | 6.89% (7.05%) $3,000,000 [2.25%] | 7.39% (7.61%) $3,000,000 [3.50%] | 2 Jun 2025 | - | 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 | No Break Fee Costs after 3 Yrs | 😊😊 | ||||||
1 Yr Returns
Prime
| Loan Type | Loan Name | 50% | 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 | 5.75% (5.80%) $3,500,000 [N/A] | 5.75% (5.80%) $3,500,000 [N/A] | 5.85% (5.90%) $3,500,000 [N/A] | 5.85% (5.90%) $3,500,000 [N/A] | 6.35% (6.84%) $3,000,000 [1.75%] | 6.35% (6.91%) $3,000,000 [3.00%] | 6.85% (7.52%) $2,000,000 [5.50%] | 1 Sep 2025 | - | 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 | 5.90% (6.34%) $2,000,000 [N/A] | 6.00% (6.43%) $2,000,000 [N/A] | 6.00% (6.43%) $1,750,000 [N/A] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1, 2 | 0.40% | $330 | 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. | 😊😊 | |||||||
| Navy | Navy Prime OO FD - Metro | 5.70% (6.14%) $3,000,000 [N/A] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1 | 0.40% | $330 | 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. | 😊😊 | |||||||||
| Navy | Navy Prime Visa OO FD | 6.25% (6.68%) $2,000,000 [N/A] | 6.35% (6.78%) $2,000,000 [N/A] | 6.35% (6.78%) $1,750,000 [N/A] | 29 Sep 2025 | 31 Dec 2025 | 18 mths | Clawback | 1, 2 | 0.40% | $330 | 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 |😊😊😊 | |||||||
| Ocean | D2 Ocean Diamond A FD - OO | 6.24% (6.32%) $2,000,000 [Nil] | 6.39% (6.47%) $2,000,000 [n/a] | 6.39% (6.47%) $2,000,000 [n/a] | 6.49% (6.57%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 😊😊 | ||||||
| Platinum | P1 Primo OO FD - Cat 1 & 2 | 6.04% (6.45%) $1,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1, 2 | Nil | $330 | OO | PI | 24 mths, 60 mths | 30 yrs | $150,000 | $1,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||||
| Platinum | P2 Primo - MaX OO FD - Cat 1 | 6.34% (6.75%) $2,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1 | Nil | $330 | OO | PI | 24 mths, 60 mths | 30 yrs | $1,000,000 | $2,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||||
| Platinum | P3 Primo MaX OO FD - Cat 2 | 6.34% (6.75%) $1,200,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 2 | Nil | $330 | OO | PI | 24 mths, 60 mths | 30 yrs | $1,000,000 | $1,200,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||||
| Platinum | P4 Primo OO FD - Cat 3 & 4 | 6.04% (6.45%) $750,000 [Nil] | 6.04% (6.45%) $500,000 [Nil] | 6.04% (6.45%) $400,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 3, 4 | Nil | $330 | OO | PI | 24 mths, 60 mths | 30 yrs | $150,000 | $750,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||
| Purple | P1 Special OOO A FD | 6.09% (6.44%) $3,000,000 [n/a] | 6.24% (6.58%) $3,000,000 [n/a] | 6.29% (6.63%) $3,000,000 [n/a] | 18 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | $1,495 | OO | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | $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 | 6.24% (6.64%) $3,000,000 [n/a] | 6.39% (6.78%) $3,000,000 [n/a] | 6.49% (6.88%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 6.79% (7.20%) $10,000,000 [n/a] | 7.24% (7.65%) $10,000,000 [n/a] | 7.49% (7.89%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.5% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 5.94% (5.99%) $3,500,000 [Nil] | 5.94% (5.99%) $3,500,000 [Nil] | 6.04% (6.09%) $3,500,000 [Nil] | 6.54% (6.71%) $3,000,000 [2.25%] | 6.54% (6.77%) $3,000,000 [3.50%] | 7.04% (7.40%) $2,000,000 [6.00%] | 1 Sep 2025 | - | 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 | 5.90% (6.34%) $2,000,000 [N/A] | 6.00% (6.43%) $2,000,000 [N/A] | 6.00% (6.43%) $1,750,000 [N/A] | 29 Sep 2025 | - | 18 mths | Clawback | 1, 2 | 0.40% | $330 | 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 | 😊😊 | |||||||
| Ocean | D3 Ocean Diamond A FD - INV | 6.54% (6.60%) $2,000,000 [n/a] | 6.69% (6.77%) $2,000,000 [n/a] | 6.69% (6.77%) $2,000,000 [n/a] | 6.79% (6.87%) $2,000,000 [n/a] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.30% | 0.35% | INV | PI | 24 mths | 30 yrs | $100,000 | $2,000,000 | Can refinance ATO debt on Prime products | 😊😊 | ||||||
| Platinum | P1 Primo - INV FD - Cat 1 & 2 | 6.34% (6.75%) $1,000,000 [Nil] | 6.34% (6.75%) $1,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1, 2 | Nil | $330 | INV | PI | 24 mths, 60 mths | 30 yrs | $150,000 | $1,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | Int Only to 80% - No Loading. | ||||||||
| Platinum | P1 Primo Security - INV FD - Cat 1 & 2 | 6.84% (7.27%) $1,000,000 [0.50%] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1, 2 | Nil | $330 | INV | PI | 12 mths | 30 yrs | $150,000 | $1,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset | 0.50% Rate Loading for Temp Residents (Visas) | Must be SE for 5 yrs | IO to 80% - No Loading | Units <50m2 | Serviced Apartments | Holiday Let Securities | Resort Units | Dual Key Apartments | Up to 10 Units on 1 Title 😊😊 | |||||||||
| Platinum | P2 Primo - MaX INV FD - Cat 1 | 6.64% (7.04%) $2,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1 | Nil | $330 | INV | PI | 24 mths, 60 mths | 30 yrs | $1,000,000 | $2,000,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | Int Only to 80% - No Loading. | |||||||||
| Platinum | P3 Primo MaX - INV FD - Cat 2 | 6.64% (7.04%) $1,500,000 [Nil] | 6.64% (7.04%) $1,200,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 2 | Nil | $330 | INV | PI | 24 mths, 60 mths | 30 yrs | $1,000,000 | $1,500,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | Int Only to 80% - No Loading. | ||||||||
| Platinum | P4 Primo INV FD - Cat 3 & 4 | 6.34% (6.75%) $750,000 [Nil] | 6.34% (6.75%) $500,000 [Nil] | 6.34% (6.75%) $400,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 3, 4 | Nil | $330 | INV | PI | 24 mths, 60 mths | 30 yrs | $150,000 | $750,000 | $550 App Fee & 0.20% Rate Loading - Companies or Trusts | Free Offset account | 0.50% Rate Loading for Temporary Residents (Visas) | Must be SE for 5 yrs | | |||||||
| Purple | Prime A Full Doc | 6.24% (6.64%) $3,000,000 [n/a] | 6.39% (6.78%) $3,000,000 [n/a] | 6.49% (6.88%) $3,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 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 | 6.79% (7.20%) $10,000,000 [n/a] | 7.24% (7.65%) $10,000,000 [n/a] | 7.49% (7.89%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.5% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 50% | 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 | |||||||||||||||||||||||||
| Navy | Navy Lifestyle B Full Doc OO - [CB #1] | 6.44% (6.88%) $2,000,000 [Nil] | 6.44% (6.88%) $2,000,000 [Nil] | 6.44% (6.88%) $2,000,000 [Nil] | 6.74% (7.22%) $2,000,000 [0.70%] | 6.74% (7.22%) $1,750,000 [0.70%] | 29 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | OO | 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 OO Full Doc | 6.74% (6.82%) $2,000,000 [n/a] | 6.84% (6.92%) $2,000,000 [n/a] | 6.84% (6.92%) $2,000,000 [n/a] | 6.99% (7.07%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 6.74% (6.84%) $3,000,000 [n/a] | 6.84% (6.94%) $3,000,000 [n/a] | 6.84% (6.94%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 - [CB #1] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.69% (7.13%) $2,000,000 [Nil] | 6.99% (7.46%) $2,000,000 [0.70%] | 6.99% (7.46%) $1,750,000 [0.70%] | 29 Sep 2025 | - | 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 | 7.04% (7.12%) $2,000,000 [n/a] | 7.14% (7.22%) $2,000,000 [n/a] | 7.14% (7.22%) $2,000,000 [n/a] | 7.29% (7.37%) $2,000,000 [n/a] | 15 Aug 2025 | - | 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 | 7.04% (7.14%) $3,000,000 [n/a] | 7.14% (7.24%) $3,000,000 [n/a] | 7.14% (7.24%) $3,000,000 [n/a] | 15 Aug 2025 | - | 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 | 50% | 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 OO: 1-3 Yr Fixed | 5.80% (5.84%) $3,500,000 [Nil] | 2 Jun 2025 | - | 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 | | |||||||||
| Cabernet | Flexi Home OO: 5 Yr Fixed | 5.75% (5.79%) $3,500,000 [Nil] | 2 Jun 2025 | - | 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 | No Break Fee Costs after 3 Yrs | 😊😊 | |||||||||
Xpat
Prime
| Loan Type | Loan Name | 50% | 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 | |||||||||||||||||||||||||
| Navy | Xpat N6 OO - FD | 6.38% (6.89%) $1,500,000 [0.50%] | 6.48% (6.99%) $1,500,000 [0.50%] | 6.58% (7.09%) $1,500,000 [0.50%] | 6.74% (7.29%) $1,500,000 [1.40%] | 29 Sep 2025 | - | 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 | 6.74% (7.15%) $2,000,000 [n/a] | 6.94% (7.35%) $2,000,000 [n/a] | 7.34% (7.74%) $2,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $2,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS. | |||||||
| Purple | Xpat P2 Prime FD MAX | 6.94% (7.35%) $5,000,000 [n/a] | 7.34% (7.74%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.5% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $5,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS | Max Loan $5.0m. | ||||||||
| Investor | |||||||||||||||||||||||||
| Cabernet | Xpat C1 | 6.24% (6.78%) $2,000,000 [0.50%] | 6.24% (6.78%) $2,000,000 [0.50%] | 6.34% (6.90%) $2,000,000 [1.00%] | 6.34% (6.93%) $2,000,000 [1.50%] | 6.84% (7.44%) $2,000,000 [2.00%] | 6.84% (7.47%) $2,000,000 [2.50%] | 1 Sep 2025 | - | 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 | 6.74% (7.25%) $1,500,000 [0.50%] | 6.93% (7.47%) $1,500,000 [1.00%] | 8.12% (7.47%) $1,500,000 [1.00%] | 29 Sep 2025 | - | 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 | 6.38% (6.88%) $1,500,000 [0.25%] | 6.48% (6.99%) $1,500,000 [0.50%] | 6.58% (7.09%) $1,500,000 [0.50%] | 29 Sep 2025 | - | 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 | 7.69% (7.82%) $1,500,000 [n/a] | 7.79% (7.92%) $1,500,000 [n/a] | 7.79% (7.92%) $1,500,000 [n/a] | 15 Aug 2025 | - | 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 | 6.89% (6.99%) $2,000,000 [n/a] | 7.04% (7.14%) $2,000,000 [n/a] | 7.14% (7.24%) $1,750,000 [n/a] | 15 Aug 2025 | - | 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 | X1 Xpat [PAYE Only] | 6.54% (6.95%) $1,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback, No Clawback Option | 1, 2, 3, 4 | Nil | $990 | INV | PI | - | 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 | PAYE Only | 😊😊 | |||||||||
| Platinum | X2 Xpat Alternate Altdoc [S/E Only] | 6.69% (7.09%) $1,000,000 [Nil] | 15 Aug 2025 | - | 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] | 6.99% (7.09%) $2,000,000 [Nil] | 15 Aug 2025 | - | 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 | 7.64% (8.05%) $2,000,000 [n/a] | 7.74% (8.15%) $2,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.40% | 1.65% | INV | PI | 12 mths | 30 yrs | $100,000 | $2,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | | ||||||||
| Purple | Non-Resident P4 MAX Prime FD | 7.84% (8.24%) $5,000,000 [n/a] | 8.34% (8.74%) $5,000,000 [n/a] | 15 Sep 2025 | - | 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 | 6.74% (7.15%) $2,000,000 [n/a] | 6.94% (7.35%) $2,000,000 [n/a] | 7.34% (7.74%) $2,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | 0.40% | 1.4% | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $2,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS. | |||||||
| Purple | Xpat P2 Prime FD MAX | 6.94% (7.35%) $5,000,000 [n/a] | 7.34% (7.74%) $5,000,000 [n/a] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.5% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | $5,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS | Max Loan $5.0m. | ||||||||
| Red | SE Prime A INV | 6.19% (6.41%) $1,500,000 [Nil] | 6.55% (6.77%) $1,500,000 [Nil] | 6.55% (6.77%) $1,500,000 [Nil] | 22 Sep 2025 | - | Reduces 4.16% Mthly - 24 mths | Clawback | 1, 2 | 0.05% - 0.15% | $399 | INV | IO, PI | 24 mths | 30 yrs | $100,000 | $1,500,000 | App Fee includes 1 val to $2m value payable @ settlement | No ETF on resi securities | | Can refinance ATO debt on Prime products | Xpat must work for multinational company |😊😊. | |||||||