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Resource Category: Residential

Accreditation – Residential

Standard Requirements for Accreditation include:

  1. Industry Membership (MFAA | FBAA)
  2. AFCA Certificate / Proof of Payment
  3. Australian Credit Licence [ACL] or Credit Representative Number [CRN]
  4. Professional Indemnity Certificate (PI)
  5. 100 Points ID (Colour copy including a Primary ID)
  6. Police Search (<12 months old)

    Forms – Residential

    The Solutionists at Allstate are keen to assist brokers to find the most suitable solution as quickly as possible.

    Fact Sheets – Residential

    The Solutionists at Allstate are keen to assist brokers to find the most suitable solution as quickly as possible.

    Discharge Authorities – Residential

    The Solutionists at Allstate are keen to assist brokers to find the most suitable solution as quickly as possible.

    Calculators – Residential

    The Solutionists at Allstate are keen to assist brokers to find the most suitable solution as quickly as possible.

    Purple – Residential

    Our Purple range has a maximum 80% LVR and caters for Altdoc, Full Doc and SMSF for residential securities in a wide range of locations across Australia. The $5m AltDoc and 80% Altdoc Construction loan are very popular.

    Key Features

    • 80% Altdoc Construction, 80% for NDIS.
    • No Credit Scoring or CCR.
    • No Risk Fee – No Clawbacks.
    • Common Sense Assessment.
    • ATO debts are not an impairment.
    • Council rates arrears are not an impairment.
    • Credit impairments including Life events (e.g. lost job, accident, illness, divorce).

    • Commission paid on Peak Debt Relocation loans (Bridging)

    Ocean – Residential

    Our Ocean range has a maximum 80% LVR and caters for Altdoc, Full Doc and SMSF for Residential Securities in Category 1 or 2 locations. These products have the fastest processing times.

    Key Features

    • 80% LVR – 30 year terms.
    • No Risk Fees and No Clawback.
    • No monthly or annual fees.
    • ATO & Business Debts can be refinanced on Emerald loans.
    • Resi securities with DA accepted.
    • Quick processing times.
    • Commission paid on Peak Debt (Bridging)

    Green – Residential

    Our Green range has a maximum 90% LVR incl LMI (OO & INV) and caters for clean credit Full Doc Residential loans that meet the Helia lending guidelines. Residential SMSF available to 80% LVR. Altdoc loans are also available to 80%.

    Key Features

    • Common sense Exit Strategies
    • Resi SMSF services inside & outside the fund.
    • Extensive Postcode coverage.
    • Can use Directors’ salaries only for servicing (conditions apply).

    Cabernet – Residential

    Cabernet offers a competitive range of full doc loans with variable and fixed rates for owner occupied and investors. The construction and SMSF loans are very popular with the latter offering a 100% Offset facility.

    Key Features

    • 100% Offset optional – Var or Fixed.
    • Full Doc Loans to 90% incl LMI – Non Gen.
    • Construction Loans to 90% incl LMI – Var or Fixed
    • SMSF to 90% with 100% Offset (optional)
    • Security determines the rate – not the purpose.
    • Units from 30 sqm (living area).
    • Family Trusts or Unit Trusts
    • NDIS to 80% LVR (standard & SMSF)
    • NAF Option: Avoid annual fees by paying extra 0.10% on loan rate (excl construction & SMSF)

    Vacant Land – Residential

    The Vacant Land Loan offers you an easy way to purchase or refinance vacant land as the sole security, without the need to build on the land within a specified period.