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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.

Doc Type

Rate Type

Funder

Occupancy Type

Clawback Type

Max Loan Values

Alt Doc

Prime
Loan Type Loan Name50%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
NavyNavy Options Altdoc OO6.63%
(7.05%)
$3,000,000
[n/a]		6.63%
(7.05%)
$2,000,000
[n/a]		6.68%
(7.10%)
$2,000,000
[n/a]		6.68%
(7.10%)
$1,750,000
[n/a]		2 Jun 2025-18 mthsClawback1, 20.30%$330OOPI12 mths30 yrs$100,000$3,000,000Optional 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 |😊😊😊
NavyNavy Options Visa Altdoc OO6.93%
(7.35%)
$3,000,000
[n/a]		6.93%
(7.35%)
$2,000,000
[n/a]		6.98%
(7.40%)
$2,000,000
[n/a]		6.98%
(7.40%)
$1,750,000
[n/a]		2 Jun 2025-18 mthsClawback1, 20.30%$330OOPI12 mths30 yrs$100,000$3,000,000Optional 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 |😊😊😊
OceanD1 Diamond A Altdoc OO6.59%
(6.68%)
$2,000,000
[n/a]		6.69%
(6.78%)
$2,000,000
[n/a]		6.69%
(6.78%)
$2,000,000
[n/a]		6.79%
(6.88%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.50%OOPI24 mths30 yrs$100,000$2,000,000No Risk Fee | Max. 5 acres (2.2ha) |
OceanD2 Diamond Max A - Altdoc OO6.59%
(6.72%)
$3,000,000
[n/a]		6.69%
(6.82%)
$3,000,000
[n/a]		6.69%
(6.82%)
$3,000,000
[n/a]		6.79%
(6.92%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.85%OOPI24 mths30 yrs$2,000,000$3,000,000No Risk Fee |Max. 5 acres (2.2ha) | Rate Loading of 0.25% for loans >$2.0m WAIVED UFN |
OceanD4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals]7.49%
(7.61%)
$3,500,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$3,500,000No 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 |
OceanD4 Prestige A Altdoc | FD - [Capitals excl Mel & Syd]7.49%
(7.64%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$5,000,000No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc | Sydney & Melbourne securities ONLY |
OceanD4 Prestige A Altdoc | FD - [MEL SYD]7.49%
(7.64%)
$5,000,000
[n/a]		8.14%
(8.28%)
$5,000,000
[n/a]		8.04%
(8.18%)
$3,500,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$5,000,000No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc | Sydney & Melbourne securities ONLY |
OceanD5 Bridging - End Debt (ED) AB7.74%
(7.90%)
$5,000,000
[n/a]		7.99%
(8.14%)
$5,000,000
[n/a]		8.14%
(8.29%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO12 mths30 yrs$100,000$5,000,000Reverts 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%|
OceanD6 Bridging - Nil End Debt (NED) AB7.74%
(7.90%)
$5,000,000
[n/a]		7.99%
(8.14%)
$5,000,000
[n/a]		8.14%
(8.29%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO12 mths1 yrs$100,000$5,000,000No Servicing Required | 6mth (contracted) or 12mth Terms | Max 80% Contracted; 75% Uncontracted | Max $3m per security |
OceanRural A Altdoc OO6.59%
(7.23%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%1.25%OOPI12 mths30 yrs$100,000$3,000,000No Risk Fee. | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acres  dependent on Category |
PlatinumAltdoc MaX [Acct Dec/BAS] - Cat 1 OO7.14%
(7.54%)
$1,200,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330OOPI12 mths30 yrs$150,000$1,200,000Free 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 |
PlatinumAltdoc [Acct Dec/BAS] - Cat 1 OO6.84%
(7.24%)
$1,000,000
[Nil]		6.84%
(7.24%)
$1,000,000
[Nil]		6.84%
(7.24%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330OOPI12 mths30 yrs$150,000$1,000,000Free 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 |
PlatinumAltdoc [Acct Dec/BAS] - Cat 2 OO7.14%
(7.24%)
$750,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option20.30%$330OOPI12 mths30 yrs$150,000$750,000Free 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 |
PlatinumAlternate Altdoc - MaX OO6.94%
(7.34%)
$2,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330OOPI30 yrs$1,000,000$2,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | Financial Statements incl P&L & Balance Sheet <18mths old |😊😊
PlatinumAlternate Altdoc - OO6.64%
(7.04%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330OOPI30 yrs$150,000$1,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | Financial Statements incl P&L & Balance Sheet <18mths old |😊😊
PlatinumAlternate Altdoc - Security OO7.14%
(7.54%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330OOPI30 yrs$150,000$1,000,000Free 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 |
PurpleP3 Special A Altdoc OO6.44%
(6.82%)
$3,000,000
[n/a]		6.54%
(6.91%)
$3,000,000
[n/a]		6.64%
(7.01%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1%OOPI12 mths30 yrs$100,000$3,000,000No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime A Altdoc6.64%
(7.04%)
$3,000,000
[n/a]		6.74%
(7.14%)
$3,000,000
[n/a]		6.84%
(7.23%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.50%OO, INVPI12 mths30 yrs$100,000$3,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime MaX A Altdoc7.49%
(7.88%)
$10,000,000
[n/a]		7.99%
(8.37%)
$10,000,000
[n/a]		8.09%
(8.47%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.50%OO, INVPI12 mths30 yrs$3,000,000$10,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurpleRelocation ED & NED [End Debt & Nil End Debt]7.99%
(8.39%)
$3,000,000
[n/a]		8.09%
(8.49%)
$3,000,000
[n/a]		8.19%
(8.59%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$100,000$3,000,0001 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.
PurpleRelocation MaX - ED & NED8.14%
(8.54%)
$10,000,000
[n/a]		8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.89%)
$5,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$3,000,000$10,000,0001 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 |
PurpleRural <100 acres Altdoc A7.89%
(8.25%)
$2,500,000
[n/a]		7.89%
(8.25%)
$2,500,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths30 yrs$100,000$2,500,000Rural lifestyle only - no income producing securities  (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS |
PurpleRural >100 acres Altdoc A9.24%
(9.58%)
$2,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths5 yrs$100,000$2,000,000Rural lifestyle only - no income producing securities  (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS |
RedSE Prime A Altdoc OO6.45%
(6.67%)
$1,500,000
[Nil]		6.45%
(6.67%)
$1,500,000
[Nil]		6.60%
(6.82%)
$1,500,000
[Nil]		6.60%
(6.82%)
$1,500,000
[Nil]		7.60%
(7.86%)
$750,000
[1.00%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.33% - 0.35%$399OOPI24 mths30 yrs$100,000$1,500,000App 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 |
RedSE Prime A Max Altdoc OO6.80%
(7.02%)
$2,000,000
[Nil]		6.55%
(6.77%)
$2,000,000
[Nil]		6.70%
(6.92%)
$2,000,000
[Nil]		6.70%
(6.92%)
$2,000,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.33% - 0.35%$399OOPI24 mths30 yrs$1,500,000$2,000,000App 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) |
RedSE Prime A Maxima Altdoc OO6.85%
(7.10%)
$2,500,000
[Nil]		6.60%
(6.85%)
$2,500,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.33% - 0.35%-OOPI24 mths30 yrs$2,000,000$2,500,000Interest Only - max 2 yrs 70% for OO IO | No ETF on resi securities | Max $1.5m Cash Out |
RedSE Prime XL Altdoc A7.65%
(7.96%)
$3,500,000
[1.25%]		8.04%
(8.34%)
$3,500,000
[1.25%]		8.14%
(8.44%)
$3,500,000
[1.25%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback2NilNilOO, INVIO, PI24 mths30 yrs$2,000,000$3,500,000Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations.
RedSE Prime XL Jumbo Altdoc A7.65%
(7.96%)
$5,000,000
[1.25%]		8.04%
(8.34%)
$5,000,000
[1.25%]		8.14%
(8.44%)
$5,000,000
[1.25%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1NilNilOO, INVIO, PI24 mths30 yrs$3,500,000$5,000,000Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only.  
Investor
NavyNavy Options Altdoc INV6.69%
(7.11%)
$3,000,000
[n/a]		6.83%
(7.25%)
$2,000,000
[n/a]		6.88%
(7.30%)
$2,000,000
[n/a]		6.88%
(7.30%)
$1,750,000
[n/a]		2 Jun 2025-18 mthsClawback1, 20.30%$330INVPI12 mths30 yrs$100,000$3,000,000Optional 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 |😊😊😊
OceanD3 Ocean Diamond A FD - INV6.89%
(6.98%)
$2,000,000
[n/a]		6.99%
(7.08%)
$2,000,000
[n/a]		6.99%
(7.08%)
$2,000,000
[n/a]		7.09%
(7.18%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.50%INVPI24 mths30 yrs$100,000$2,000,0000.50% Application Fee - No Risk Fee. Add 0.30% for Int Only. Max. 5 acres (2.2ha).
OceanD4 Diamond Max A - Altdoc INV6.89%
(7.02%)
$3,000,000
[n/a]		6.99%
(7.12%)
$3,000,000
[n/a]		6.99%
(7.12%)
$3,000,000
[n/a]		7.09%
(7.22%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.85%INVPI24 mths30 yrs$2,000,000$3,000,000No Risk Fee |Max. 5 acres (2.2ha) | Rate Loading of 0.25% for loans >$2.0m WAIVED UFN |
OceanD4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals]7.49%
(7.61%)
$3,500,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$3,500,000No 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 |
OceanD4 Prestige A Altdoc | FD - [Capitals excl Mel & Syd]7.49%
(7.64%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$5,000,000No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc | Sydney & Melbourne securities ONLY |
OceanD4 Prestige A Altdoc | FD - [MEL SYD]7.49%
(7.64%)
$5,000,000
[n/a]		8.14%
(8.28%)
$5,000,000
[n/a]		8.04%
(8.18%)
$3,500,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$5,000,000No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc | Sydney & Melbourne securities ONLY |
OceanD5 Bridging - End Debt (ED) AB7.74%
(7.90%)
$5,000,000
[n/a]		7.99%
(8.14%)
$5,000,000
[n/a]		8.14%
(8.29%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO12 mths30 yrs$100,000$5,000,000Reverts 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%|
OceanD6 Bridging - Nil End Debt (NED) AB7.74%
(7.90%)
$5,000,000
[n/a]		7.99%
(8.14%)
$5,000,000
[n/a]		8.14%
(8.29%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO12 mths1 yrs$100,000$5,000,000No Servicing Required | 6mth (contracted) or 12mth Terms | Max 80% Contracted; 75% Uncontracted | Max $3m per security |
PlatinumAltdoc [Acct Dec/BAS] - Cat 1 INV7.14%
(7.54%)
$1,500,000
[Nil]		7.14%
(7.54%)
$1,000,000
[Nil]		7.14%
(7.54%)
$1,200,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330INVPI30 yrs$150,000$1,500,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | 6mth BAS or Acct Dec | Unlimited Cash Out - No evidence to $500k | 
PlatinumAltdoc [Acct Dec/BAS] - Cat 2 INV6.84%
(7.54%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option20.30%$330INVPI30 yrs$150,000$1,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | 6mth BAS or Acct Dec | Unlimited Cash Out - No evidence to $500k |  
PlatinumAlternate Altdoc - INV6.94%
(7.34%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330INVPI30 yrs$150,000$1,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | Financial Statements incl P&L & Balance Sheet <18mths old |😊😊
PlatinumAlternate Altdoc - MaX INV7.24%
(7.63%)
$2,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330INVPI30 yrs$1,000,000$2,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | Financial Statements incl P&L & Balance Sheet <18mths old |😊😊
PlatinumAlternate Altdoc - Security INV7.44%
(7.83%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option10.30%$330INVPI30 yrs$150,000$1,000,000Free 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 |
PurplePrime A Altdoc6.64%
(7.04%)
$3,000,000
[n/a]		6.74%
(7.14%)
$3,000,000
[n/a]		6.84%
(7.23%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.50%OO, INVPI12 mths30 yrs$100,000$3,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime MaX A Altdoc7.49%
(7.88%)
$10,000,000
[n/a]		7.99%
(8.37%)
$10,000,000
[n/a]		8.09%
(8.47%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.50%OO, INVPI12 mths30 yrs$3,000,000$10,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurpleRelocation ED & NED [End Debt & Nil End Debt]7.99%
(8.39%)
$3,000,000
[n/a]		8.09%
(8.49%)
$3,000,000
[n/a]		8.19%
(8.59%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$100,000$3,000,0001 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.
PurpleRelocation MaX - ED & NED8.14%
(8.54%)
$10,000,000
[n/a]		8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.89%)
$5,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$3,000,000$10,000,0001 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 |
PurpleRural <100 acres Altdoc A7.89%
(8.25%)
$2,500,000
[n/a]		7.89%
(8.25%)
$2,500,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths30 yrs$100,000$2,500,000Rural lifestyle only - no income producing securities  (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS |
PurpleRural >100 acres Altdoc A9.24%
(9.58%)
$2,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths5 yrs$100,000$2,000,000Rural lifestyle only - no income producing securities  (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS |
RedSE Prime A Altdoc INV6.75%
(6.97%)
$1,500,000
[Nil]		6.75%
(6.97%)
$1,500,000
[Nil]		6.78%
(7.00%)
$1,500,000
[Nil]		6.78%
(7.00%)
$1,500,000
[Nil]		7.78%
(8.04%)
$750,000
[1.00%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.05% - 0.15%$399INVPI24 mths30 yrs$100,000$1,500,000App 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 |
RedSE Prime A Max Altdoc INV6.85%
(7.07%)
$2,000,000
[Nil]		6.85%
(7.07%)
$2,000,000
[Nil]		6.88%
(7.10%)
$2,000,000
[Nil]		6.88%
(7.10%)
$2,000,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.05% - 0.15%$399INVPI24 mths30 yrs$1,500,000$2,000,000App 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 |
RedSE Prime A Maxima Altdoc INV6.90%
(7.15%)
$2,500,000
[Nil]		6.90%
(7.15%)
$2,000,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.05% - 0.15%-INVPI24 mths30 yrs$1,500,000$2,500,000No ETF on Resi securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out |
RedSE Prime XL Altdoc A7.65%
(7.96%)
$3,500,000
[1.25%]		8.04%
(8.34%)
$3,500,000
[1.25%]		8.14%
(8.44%)
$3,500,000
[1.25%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback2NilNilOO, INVIO, PI24 mths30 yrs$2,000,000$3,500,000Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations.
RedSE Prime XL Jumbo Altdoc A7.65%
(7.96%)
$5,000,000
[1.25%]		8.04%
(8.34%)
$5,000,000
[1.25%]		8.14%
(8.44%)
$5,000,000
[1.25%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1NilNilOO, INVIO, PI24 mths30 yrs$3,500,000$5,000,000Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only.  
NDIS
NavyNavy NDIS Altdoc INV [Max 4 rooms]7.93%
(8.43%)
$2,000,000
[n/a]		7.93%
(8.43%)
$2,000,000
[n/a]		7.98%
(8.48%)
$2,000,000
[n/a]		7.98%
(8.48%)
$1,750,000
[n/a]		2 Jun 2025-18 mthsClawback10.30%$550NDISPI-30 yrs$100,000$2,000,000Optional 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 |😊😊
Near Prime
Loan Type Loan Name50%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
NavyNavy Lifestyle B Altdoc OO - [CB#1]6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		2 Jun 2025-12 mthsClawback, No Clawback Option1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Altdoc OO - [NCB2]7.19%
(7.69%)
$2,000,000
[1.25%]		7.19%
(7.69%)
$1,750,000
[1.25%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Specialist C Altdoc OO - [NCB#2]8.09%
(8.58%)
$1,000,000
[1.25%]		8.30%
(8.78%)
$1,000,000
[1.25%]		8.30%
(8.78%)
$1,000,000
[1.25%]		8.90%
(9.37%)
$1,000,000
[1.25%]		9.10%
(9.57%)
$1,000,000
[1.25%]		2 Jun 2025-Nil mthsNo Clawback1, 20.30%$550OOPI12 mths30 yrs$50,000$1,000,000ATO 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 |
OceanEmerald B Altdoc OO7.14%
(7.23%)
$3,000,000
[n/a]		7.24%
(7.33%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.50%OOPI12 mths30 yrs$100,000$3,000,000No 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) |
OceanEmerald B Altdoc OO >70%7.24%
(7.30%)
$3,000,000
[n/a]		7.44%
(7.54%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.75%OOPI12 mths30 yrs$100,000$3,000,0000.75% 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) |
OceanOnyx C Altdoc OO7.44%
(7.55%)
$3,000,000
[n/a]		7.54%
(7.65%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%1.00%OOPI12 mths30 yrs$100,000$3,000,00012 mths ABN | Discharged Bankrupts from Day 1 | Unlimited Paid defaults, Unlimited Unpaid defaults listed >1 Yr |
OceanOnyx C Altdoc OO >70% LVR7.54%
(7.66%)
$3,000,000
[n/a]		7.84%
(7.96%)
$1,750,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%1.25%OOPI12 mths30 yrs$100,000$3,000,00012 mths ABN | Discharged Bankrupts from Day 1 | Unlimited Paid defaults, Unlimited Unpaid defaults listed >1 Yr |
OceanSpecialist D Altdoc OO8.14%
(8.26%)
$1,500,000
[n/a]		8.24%
(8.36%)
$1,500,000
[n/a]		8.24%
(8.37%)
$1,500,000
[n/a]		8.59%
(8.72%)
$1,250,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%1.50%OOPI6-months30 yrs$100,000$1,500,0006 mths ABN |Discharged Bankrupts from Day 1 | Unlimited Paid defaults, Unlimited Unpaid >6m, 3m arrears |
PurpleLifestyle B Altdoc OO7.49%
(7.86%)
$3,000,000
[n/a]		7.84%
(8.21%)
$3,000,000
[n/a]		7.84%
(8.21%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%OOPI12 mths30 yrs$100,000$3,000,000No Risk Fee | OO Only | Security determines the rate (not purpose) | Max 10 ha (25 acres) | Impaired Credit | Life Events OK |
RedReward B Altdoc - OO6.95%
(7.21%)
$2,500,000
[Nil]		6.95%
(7.21%)
$2,500,000
[Nil]		6.95%
(7.21%)
$2,500,000
[Nil]		7.00%
(7.26%)
$2,250,000
[Nil]		7.00%
(7.28%)
$2,000,000
[0.50%]		7.20%
(7.48%)
$1,750,000
[0.50%]		8.20%
(8.52%)
$1,500,000
[1.50%]		9.20%
(9.54%)
$1,000,000
[2.0%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 2, 30.25% - 0.40%399OOPI12 mths30 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
NavyNavy Lifestyle B Altdoc INV - [CB#1]7.49%
(7.92%)
$2,000,000
[Nil]		7.49%
(7.92%)
$2,000,000
[Nil]		7.49%
(7.92%)
$2,000,000
[Nil]		2 Jun 2025-12 mthsClawback, No Clawback Option1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Altdoc INV - [NCB#2]7.69%
(8.18%)
$2,000,000
[1.25%]		7.69%
(8.18%)
$1,750,000
[1.25%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
OceanEmerald B Altdoc INV7.44%
(7.52%)
$3,000,000
[n/a]		7.54%
(7.62%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.50%INVPI12 mths30 yrs$100,000$3,000,000Cat 1, 2, 3 & 4 | Unlimited Unpaid defaults to $1k OK  | Max 2 Paid Defaults Listed >1 Yr | Mortgage Arrears <1 month (paid) |
OceanEmerald B Altdoc INV >70%7.54%
(7.64%)
$3,000,000
[n/a]		7.74%
(7.84%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.75%INVPI12 mths30 yrs$100,000$3,000,0000.75% 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) |
PurpleLifestyle B Altdoc INV7.74%
(8.11%)
$3,000,000
[n/a]		7.99%
(8.36%)
$3,000,000
[n/a]		7.99%
(8.36%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%INVPI12 mths30 yrs$100,000$3,000,0001.50% App Fee | No Risk Fee | Investment Only | Security determines the rate (not purpose) | Max 10 ha (25 acres).
RedReward B Altdoc - INV7.15%
(7.41%)
$2,500,000
[Nil]		7.15%
(7.41%)
$2,500,000
[Nil]		7.15%
(7.41%)
$2,500,000
[Nil]		7.20%
(7.46%)
$2,250,000
[Nil]		7.30%
(7.58%)
$2,000,000
[0.50%]		7.40%
(7.68%)
$1,750,000
[0.50%]		8.40%
(8.72%)
$1,500,000
[1.50%]		9.40%
(9.73%)
$1,000,000
[2.0%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 2, 30.25% - 0.40%399INVPI12 mths30 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 Name50%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
OceanD1 Diamond A Altdoc OO6.59%
(6.68%)
$2,000,000
[n/a]		6.69%
(6.78%)
$2,000,000
[n/a]		6.69%
(6.78%)
$2,000,000
[n/a]		6.79%
(6.88%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.50%OOPI24 mths30 yrs$100,000$2,000,000No Risk Fee | Max. 5 acres (2.2ha) |
OceanD2 Ocean Diamond A FD - OO6.49%
(6.57%)
$2,000,000
[Nil]		6.64%
(6.72%)
$2,000,000
[n/a]		6.64%
(6.72%)
$2,000,000
[n/a]		6.74%
(6.82%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%OOPI24 mths30 yrs$100,000$2,000,000Can refinance ATO debt on Prime products | 😊😊
OceanRural A Altdoc OO6.59%
(7.23%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%1.25%OOPI12 mths30 yrs$100,000$3,000,000No Risk Fee. | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acres  dependent on Category |
PurpleP1 Special OOO A FD6.39%
(6.75%)
$3,000,000
[n/a]		6.49%
(6.85%)
$3,000,000
[n/a]		6.54%
(6.90%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%995OOPI12 mths30 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 | 😊😊.
PurpleP3 Special A Altdoc OO6.44%
(6.82%)
$3,000,000
[n/a]		6.54%
(6.91%)
$3,000,000
[n/a]		6.64%
(7.01%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1%OOPI12 mths30 yrs$100,000$3,000,000No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime A Altdoc6.64%
(7.04%)
$3,000,000
[n/a]		6.74%
(7.14%)
$3,000,000
[n/a]		6.84%
(7.23%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.50%OO, INVPI12 mths30 yrs$100,000$3,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime A Full Doc6.54%
(6.90%)
$3,000,000
[n/a]		6.64%
(7.00%)
$3,000,000
[n/a]		6.74%
(7.10%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%0.75%OO, INVPI12 mths30 yrs$100,000$3,000,000App Fee = 1.00% | 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 | 😊😊.
PurplePrime MaX A Altdoc7.49%
(7.88%)
$10,000,000
[n/a]		7.99%
(8.37%)
$10,000,000
[n/a]		8.09%
(8.47%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.50%OO, INVPI12 mths30 yrs$3,000,000$10,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime MaX A Full Doc7.09%
(7.44%)
$10,000,000
[n/a]		7.49%
(7.86%)
$10,000,000
[n/a]		7.74%
(8.11%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%OO, INVPI12 mths30 yrs$3,000,000$10,000,000App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | 
PurpleRelocation ED & NED [End Debt & Nil End Debt]8.09%
(8.49%)
$3,000,000
[n/a]		8.19%
(8.59%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$100,000$3,000,0001 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.
PurpleRelocation MaX - ED & NED8.14%
(8.54%)
$10,000,000
[n/a]		8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.89%)
$5,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$3,000,000$10,000,0001 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 |
PurpleRural <100 acres Altdoc A7.89%
(8.25%)
$2,500,000
[n/a]		7.89%
(8.25%)
$2,500,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths30 yrs$100,000$2,500,000Rural lifestyle only - no income producing securities  (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS |
RedSE Prime A Altdoc OO6.45%
(6.67%)
$1,500,000
[Nil]		6.60%
(6.82%)
$1,500,000
[Nil]		6.60%
(6.82%)
$1,500,000
[Nil]		7.60%
(7.86%)
$750,000
[1.00%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.33% - 0.35%$399OOPI24 mths30 yrs$100,000$1,500,000App 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
OceanD3 Ocean Diamond A FD - INV6.89%
(6.98%)
$2,000,000
[n/a]		6.99%
(7.08%)
$2,000,000
[n/a]		6.99%
(7.08%)
$2,000,000
[n/a]		7.09%
(7.18%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%INVPI24 mths30 yrs$100,000$2,000,000Can refinance ATO debt on Prime products | 😊😊
PurplePrime A Altdoc6.64%
(7.04%)
$3,000,000
[n/a]		6.74%
(7.14%)
$3,000,000
[n/a]		6.84%
(7.23%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.50%OO, INVPI12 mths30 yrs$100,000$3,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime A Full Doc6.54%
(6.90%)
$3,000,000
[n/a]		6.64%
(7.00%)
$3,000,000
[n/a]		6.74%
(7.10%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%0.75%OO, INVPI12 mths30 yrs$100,000$3,000,000App Fee = 1.00% | 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 | 😊😊.
PurplePrime MaX A Altdoc7.49%
(7.88%)
$10,000,000
[n/a]		7.99%
(8.37%)
$10,000,000
[n/a]		8.09%
(8.47%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.50%OO, INVPI12 mths30 yrs$3,000,000$10,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime MaX A Full Doc7.09%
(7.44%)
$10,000,000
[n/a]		7.49%
(7.86%)
$10,000,000
[n/a]		7.74%
(8.11%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%OO, INVPI12 mths30 yrs$3,000,000$10,000,000App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | 
PurpleRelocation ED & NED [End Debt & Nil End Debt]8.09%
(8.49%)
$3,000,000
[n/a]		8.19%
(8.59%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$100,000$3,000,0001 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.
PurpleRelocation MaX - ED & NED8.14%
(8.54%)
$10,000,000
[n/a]		8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.89%)
$5,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$3,000,000$10,000,0001 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 |
PurpleRural <100 acres Altdoc A7.89%
(8.25%)
$2,500,000
[n/a]		7.89%
(8.25%)
$2,500,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths30 yrs$100,000$2,500,000Rural lifestyle only - no income producing securities  (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS |
RedSE Prime A Altdoc INV6.75%
(6.97%)
$1,500,000
[Nil]		6.75%
(6.97%)
$1,500,000
[Nil]		6.78%
(7.00%)
$1,500,000
[Nil]		6.78%
(7.00%)
$1,500,000
[Nil]		7.78%
(8.04%)
$750,000
[1.00%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.05% - 0.15%$399INVPI24 mths30 yrs$100,000$1,500,000App 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 Name50%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
NavyNavy Lifestyle B Altdoc OO - [CB#1]6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		2 Jun 2025-12 mthsClawback, No Clawback Option1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Altdoc OO - [NCB2]7.19%
(7.69%)
$2,000,000
[1.25%]		7.19%
(7.69%)
$1,750,000
[1.25%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Full Doc OO - [CB #1]6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		2 Jun 2025-12 mthsClawback, No Clawback Option1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Full Doc OO [NCB#2]7.19%
(7.67%)
$2,000,000
[1.0%]		7.19%
(7.67%)
$1,750,000
[1.0%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Specialist C Altdoc OO - [NCB#2]8.09%
(8.58%)
$1,000,000
[1.25%]		8.30%
(8.78%)
$1,000,000
[1.25%]		8.30%
(8.78%)
$1,000,000
[1.25%]		8.90%
(9.37%)
$1,000,000
[1.25%]		9.10%
(9.57%)
$1,000,000
[1.25%]		2 Jun 2025-Nil mthsNo Clawback1, 20.30%$550OOPI12 mths30 yrs$50,000$1,000,000ATO 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 |
OceanEmerald B Altdoc OO7.14%
(7.23%)
$3,000,000
[n/a]		7.24%
(7.33%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.50%OOPI12 mths30 yrs$100,000$3,000,000No 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) |
OceanEmerald B Altdoc OO >70%7.24%
(7.30%)
$3,000,000
[n/a]		7.44%
(7.54%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.75%OOPI12 mths30 yrs$100,000$3,000,0000.75% 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) |
OceanOcean Emerald B OO Full Doc6.99%
(7.07%)
$2,000,000
[n/a]		7.09%
(7.17%)
$2,000,000
[n/a]		7.09%
(7.17%)
$2,000,000
[n/a]		7.24%
(7.32%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%OOPI12 mths30 yrs$100,000$2,000,000Will accept 1 Year ITR + last 6mths BAS |
OceanOcean Emerald MaX B OO Full Doc6.99%
(7.07%)
$3,000,000
[n/a]		7.09%
(7.17%)
$3,000,000
[n/a]		7.09%
(7.17%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.70%OOPI12 mths30 yrs$2,000,000$3,000,000Will accept 1 Year ITR + last 6mths BAS |
PurpleLifestyle B Altdoc OO7.49%
(7.86%)
$3,000,000
[n/a]		7.84%
(8.21%)
$3,000,000
[n/a]		7.84%
(8.21%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%OOPI12 mths30 yrs$100,000$3,000,000No Risk Fee | OO Only | Security determines the rate (not purpose) | Max 10 ha (25 acres) | Impaired Credit | Life Events OK |
PurpleLifestyle B OO FD Special7.14%
(7.50%)
$3,000,000
[n/a]		7.34%
(7.70%)
$3,000,000
[n/a]		7.44%
(7.80%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1%OOPI12 mths30 yrs$100,000$3,000,000Owner Occupied Only. Add 0.40% for Int Only. Security determines the purpose - can have OO ino Company. No Rate Loading for Inv.
RedReward B Altdoc - OO6.95%
(7.21%)
$2,500,000
[Nil]		6.95%
(7.21%)
$2,500,000
[Nil]		6.95%
(7.21%)
$2,500,000
[Nil]		7.00%
(7.26%)
$2,250,000
[Nil]		7.00%
(7.28%)
$2,000,000
[0.50%]		7.20%
(7.48%)
$1,750,000
[0.50%]		8.20%
(8.52%)
$1,500,000
[1.50%]		9.20%
(9.54%)
$1,000,000
[2.0%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 2, 30.25% - 0.40%399OOPI12 mths30 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
NavyNavy Lifestyle B Altdoc INV - [CB#1]7.49%
(7.92%)
$2,000,000
[Nil]		7.49%
(7.92%)
$2,000,000
[Nil]		7.49%
(7.92%)
$2,000,000
[Nil]		2 Jun 2025-12 mthsClawback, No Clawback Option1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Altdoc INV - [NCB#2]7.69%
(8.18%)
$2,000,000
[1.25%]		7.69%
(8.18%)
$1,750,000
[1.25%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Full Doc INV - [CB #1]7.24%
(7.67%)
$2,000,000
[Nil]		7.24%
(7.67%)
$2,000,000
[Nil]		7.24%
(7.67%)
$2,000,000
[Nil]		2 Jun 2025-Nil mthsClawback, No Clawback Option1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Full Doc INV [NCB#2]7.44%
(7.92%)
$2,000,000
[1.0%]		7.44%
(7.92%)
$1,750,000
[1.0%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
OceanEmerald B Altdoc INV7.44%
(7.52%)
$3,000,000
[n/a]		7.54%
(7.62%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.50%INVPI12 mths30 yrs$100,000$3,000,000Cat 1, 2, 3 & 4 | Unlimited Unpaid defaults to $1k OK  | Max 2 Paid Defaults Listed >1 Yr | Mortgage Arrears <1 month (paid) |
OceanEmerald B Altdoc INV >70%7.54%
(7.64%)
$3,000,000
[n/a]		7.74%
(7.84%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.75%INVPI12 mths30 yrs$100,000$3,000,0000.75% 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) |
OceanOcean Emerald B INV Full Doc7.29%
(7.37%)
$2,000,000
[n/a]		7.39%
(7.47%)
$2,000,000
[n/a]		7.39%
(7.47%)
$2,000,000
[n/a]		7.54%
(7.62%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%INVPI12 mths30 yrs$100,000$2,000,000Will accept 1 Year ITR + last 6mths BAS |
OceanOcean Emerald MaX B INV Full Doc7.29%
(7.37%)
$3,000,000
[n/a]		7.39%
(7.47%)
$3,000,000
[n/a]		7.39%
(7.47%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.70%INVPI12 mths30 yrs$2,000,000$3,000,000Will accept 1 Year ITR + last 6mths BAS |
PurpleLifestyle B Altdoc INV7.74%
(8.11%)
$3,000,000
[n/a]		7.99%
(8.36%)
$3,000,000
[n/a]		7.99%
(8.36%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%INVPI12 mths30 yrs$100,000$3,000,0001.50% App Fee | No Risk Fee | Investment Only | Security determines the rate (not purpose) | Max 10 ha (25 acres).
PurpleLifestyle B INV FD7.39%
(7.75%)
$3,000,000
[n/a]		7.49%
(7.85%)
$3,000,000
[n/a]		7.59%
(7.95%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1%INVPI12 mths30 yrs$100,000$3,000,000Add 0.40% for Int Only.
RedReward B Altdoc - INV7.15%
(7.41%)
$2,500,000
[Nil]		7.15%
(7.41%)
$2,500,000
[Nil]		7.15%
(7.41%)
$2,500,000
[Nil]		7.20%
(7.46%)
$2,250,000
[Nil]		7.30%
(7.58%)
$2,000,000
[0.50%]		7.40%
(7.68%)
$1,750,000
[0.50%]		8.40%
(8.72%)
$1,500,000
[1.50%]		9.40%
(9.73%)
$1,000,000
[2.0%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 2, 30.25% - 0.40%399INVPI12 mths30 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 Name50%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
OceanD5 Bridging - End Debt (ED) AB7.74%
(7.90%)
$5,000,000
[n/a]		7.99%
(8.14%)
$5,000,000
[n/a]		8.14%
(8.29%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO12 mths30 yrs$100,000$5,000,000Reverts 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%|
OceanD6 Bridging - Nil End Debt (NED) AB7.74%
(7.90%)
$5,000,000
[n/a]		7.99%
(8.14%)
$5,000,000
[n/a]		8.14%
(8.29%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO12 mths1 yrs$100,000$5,000,000No Servicing Required | 6mth (contracted) or 12mth Terms | Max 80% Contracted; 75% Uncontracted | Max $3m per security |
PurpleRelocation ED & NED [End Debt & Nil End Debt]7.99%
(8.39%)
$3,000,000
[n/a]		8.09%
(8.49%)
$3,000,000
[n/a]		8.19%
(8.59%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$100,000$3,000,0001 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.
PurpleRelocation MaX - ED & NED8.14%
(8.54%)
$10,000,000
[n/a]		8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.89%)
$5,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$3,000,000$10,000,0001 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
OceanD5 Bridging - End Debt (ED) AB7.74%
(7.90%)
$5,000,000
[n/a]		7.99%
(8.14%)
$5,000,000
[n/a]		8.14%
(8.29%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO12 mths30 yrs$100,000$5,000,000Reverts 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%|
OceanD6 Bridging - Nil End Debt (NED) AB7.74%
(7.90%)
$5,000,000
[n/a]		7.99%
(8.14%)
$5,000,000
[n/a]		8.14%
(8.29%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO12 mths1 yrs$100,000$5,000,000No Servicing Required | 6mth (contracted) or 12mth Terms | Max 80% Contracted; 75% Uncontracted | Max $3m per security |
PurpleRelocation ED & NED [End Debt & Nil End Debt]7.99%
(8.39%)
$3,000,000
[n/a]		8.09%
(8.49%)
$3,000,000
[n/a]		8.19%
(8.59%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$100,000$3,000,0001 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.
PurpleRelocation MaX - ED & NED8.14%
(8.54%)
$10,000,000
[n/a]		8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.89%)
$5,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2Nil1.4%OO, INVIO12 mths2 yrs$3,000,000$10,000,0001 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 Name50%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
CabernetFlexi Home - Var5.89%
(5.94%)
$3,500,000
[N/A]		5.89%
(5.94%)
$3,500,000
[N/A]		5.99%
(6.04%)
$3,500,000
[N/A]		5.99%
(6.04%)
$3,500,000
[N/A]		6.49%
(6.98%)
$3,000,000
[1.75%]		6.49%
(7.04%)
$3,000,000
[3.0%]		6.99%
(7.04%)
$2,000,000
[5.5%]		2 Jun 2025-24 mthsClawback1, 20.40$330OOPI24 mths30 yrs$50,000$3,500,000No monthly or annual fees for OO to 80% LVR | FREE 100% OFFSET | Risk Fee applies >75.01%
NavyNavy Prime OO FD6.29%
(6.72%)
$2,000,000
[N/A]		6.39%
(6.82%)
$2,000,000
[N/A]		6.39%
(6.82%)
$1,750,000
[N/A]		6.90%
(7.32%)
$1,250,000
[N/A]		7.30%
(7.71%)
$1,000,000
[N/A]		2 Jun 2025-18 mthsClawback1, 20.40%$330OOPI24 mths30 yrs$100,000$2,000,000Optional Free Offset/s - Multiple Offsets available | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊
NavyNavy Prime Visa OO FD6.59%
(7.01%)
$2,000,000
[N/A]		6.69%
(7.11%)
$2,000,000
[N/A]		6.69%
(7.11%)
$1,750,000
[N/A]		2 Jun 2025-18 mthsClawback1, 20.40%$330OOPI24 mths30 yrs$100,000$2,000,000Optional 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 |😊😊😊
Navyndis INV FD [Max 4 rooms]7.83%
(8.23%)
$2,000,000
[N/A]		7.93%
(8.46%)
$1,750,000
[N/A]		2 Jun 2025-18 mthsClawback10.40%$550OO, NDISPI24 mths30 yrs$100,000$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊😊
OceanD2 Ocean Diamond A FD - OO6.49%
(6.57%)
$2,000,000
[Nil]		6.64%
(6.72%)
$2,000,000
[n/a]		6.64%
(6.72%)
$2,000,000
[n/a]		6.74%
(6.82%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%OOPI24 mths30 yrs$100,000$2,000,000Can refinance ATO debt on Prime products | 😊😊
OceanD2 Ocean Diamond Max A - OO6.49%
(6.59%)
$3,000,000
[n/a]		6.64%
(6.74%)
$3,000,000
[n/a]		6.64%
(6.74%)
$3,000,000
[n/a]		6.74%
(6.74%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.70%OOPI24 mths30 yrs$2,000,000$3,000,000No Risk Fee |Max. 5 acres (2.2ha) | Rate Loading of 0.25% applies for loans >$1.75m
OceanD4 Prestige A Altdoc | FD - [Capitals excl Mel & Syd]7.49%
(7.64%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$5,000,000No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc | Sydney & Melbourne securities ONLY |
OceanD4 Prestige A Altdoc | FD - [MEL SYD]7.49%
(7.64%)
$5,000,000
[n/a]		8.04%
(8.18%)
$3,500,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$5,000,000No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc | Sydney & Melbourne securities ONLY |
PlatinumP1 Primo OO FD - Cat 1 & 26.29%
(6.70%)
$1,000,000
[Nil]		6.29%
(6.70%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1, 2Nil$330OOPI12 mths30 yrs$150,000$1,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents |
PlatinumP2 Primo - MaX OO FD - Cat 16.59%
(6.99%)
$2,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1Nil$330OOPI12 mths30 yrs$1,000,000$2,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only OO | 0.50% Rate Loading for Temporary Residents |
PlatinumP3 Primo MaX OO FD - Cat 26.59%
(6.70%)
$1,200,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option2Nil$330OOPI12 mths30 yrs$1,000,000$1,200,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents |
PlatinumP4 Primo OO FD - Cat 3 & 46.29%
(6.70%)
$500,000
[Nil]		6.29%
(6.70%)
$400,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option3, 4Nil$330OOPI12 mths30 yrs$150,000$500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only OO | 0.50% Rate Loading for Temporary Residents |
PurpleP1 Special OOO A FD6.39%
(6.75%)
$3,000,000
[n/a]		6.49%
(6.85%)
$3,000,000
[n/a]		6.54%
(6.90%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%995OOPI12 mths30 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 | 😊😊.
PurplePrime A Full Doc6.54%
(6.90%)
$3,000,000
[n/a]		6.64%
(7.00%)
$3,000,000
[n/a]		6.74%
(7.10%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%0.75%OO, INVPI12 mths30 yrs$100,000$3,000,000App Fee = 1.00% | 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 | 😊😊.
PurplePrime MaX A Full Doc7.09%
(7.44%)
$10,000,000
[n/a]		7.49%
(7.86%)
$10,000,000
[n/a]		7.74%
(8.11%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%OO, INVPI12 mths30 yrs$3,000,000$10,000,000App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | 
PurpleRural <100 acres FD A7.29%
(7.66%)
$2,500,000
[n/a]		7.49%
(7.85%)
$2,500,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths30 yrs$100,000$2,500,0001.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply.
PurpleRural >100 acres Altdoc A9.24%
(9.58%)
$2,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths5 yrs$100,000$2,000,000Rural lifestyle only - no income producing securities  (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS |
RedSE Prime A OO6.45%
(6.67%)
$1,500,000
[Nil]		6.60%
(6.82%)
$1,500,000
[Nil]		6.60%
(6.82%)
$1,500,000
[Nil]		7.60%
(7.86%)
$1,500,000
[1.0%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.33% - 0.35%$399OOIO, PI24 mths30 yrs$100,000$1,500,000App 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 | 😊😊.
RedSE Prime MaX A - OO6.55%
(6.77%)
$2,000,000
[Nil]		6.70%
(6.92%)
$2,000,000
[Nil]		6.70%
(6.92%)
$2,000,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.33% - 0.35%$399OOPI24 mths30 yrs$1,500,000$2,000,000Interest Only - Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out |
RedSE Prime Maxima A - OO6.60%
(6.85%)
$2,500,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.33% - 0.35%-OOPI24 mths30 yrs$2,000,000$2,500,000Interest Only - Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out |
RedSE Prime XL A7.65%
(7.96%)
$3,500,000
[1.25%]		8.04%
(8.34%)
$3,500,000
[1.25%]		8.14%
(8.44%)
$3,500,000
[1.25%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 2Nil-OO, INVIO, PI24 mths30 yrs$2,500,000$3,500,000Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations.
RedSE Prime XL Jumbo A7.65%
(7.96%)
$5,000,000
[1.25%]		8.04%
(8.34%)
$5,000,000
[1.25%]		8.14%
(8.44%)
$5,000,000
[1.25%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1NilNilOO, INVIO, PI24 mths30 yrs$3,500,000$5,000,000Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only.
Investor
CabernetFlexi Investor - Var6.19%
(6.24%)
$3,500,000
[0%]		6.19%
(6.24%)
$3,500,000
[0%]		6.29%
(6.34%)
$3,500,000
[0%]		6.29%
(6.34%)
$3,500,000
[0%]		6.79%
(6.96%)
$3,000,000
[2.25%]		6.79%
(7.02%)
$3,000,000
[3.5%]		7.29%
(7.02%)
$2,000,000
[6.0%]		2 Jun 2025-24 mthsClawback1, 20.40%$330INVPI24 mths30 yrs$50,000$3,500,000$395 Annual Fee.
NavyN1 Navy Prime INV FD6.45%
(6.87%)
$2,000,000
[N/A]		6.45%
(6.87%)
$2,000,000
[N/A]		6.45%
(6.87%)
$1,750,000
[N/A]		6.90%
(7.32%)
$1,250,000
[N/A]		7.70%
(8.11%)
$800,000
[N/A]		2 Jun 2025-18 mthsClawback1, 20.40%$330INVPI24 mths30 yrs$100,000$2,000,000Optional Free Offset - multiple offsets available [1 per split] | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | 😊😊
NavyN1 Navy Prime INVESTMENT PROMO FD6.45%
(6.87%)
$2,000,000
[N/A]		6.45%
(6.87%)
$1,750,000
[N/A]		2 Jun 202530 Jun 202518 mthsClawback1, 2Nil$330INVIO, PI24 mths30 yrs$100,000$2,000,000Optional Free Offset -  multiple offsets available [1 per split] | Max 10ha (25 acres) | Min. 20,000 population. | Interest Only Loading WAIVED |😊😊😊  
OceanD3 Ocean Diamond A FD - INV6.79%
(6.85%)
$2,000,000
[n/a]		6.94%
(7.02%)
$2,000,000
[n/a]		6.94%
(7.02%)
$2,000,000
[n/a]		7.04%
(7.12%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%INVPI24 mths30 yrs$100,000$2,000,000Can refinance ATO debt on Prime products | 😊😊
OceanD3 Ocean Diamond MaX A FD - INV6.79%
(6.89%)
$3,000,000
[n/a]		6.94%
(7.04%)
$3,000,000
[n/a]		6.94%
(7.04%)
$3,000,000
[n/a]		7.04%
(7.04%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.70%INVPI24 mths30 yrs$2,000,000$3,000,000No Risk Fee |Max. 5 acres (2.2ha) | Rate Loading of 0.25% applies for loans >$1.75m
OceanD4 Prestige A Altdoc | FD - [Capitals excl Mel & Syd]7.49%
(7.64%)
$5,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$5,000,000No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc | Sydney & Melbourne securities ONLY |
OceanD4 Prestige A Altdoc | FD - [MEL SYD]7.49%
(7.64%)
$5,000,000
[n/a]		8.04%
(8.18%)
$3,500,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2Nil1.25%OO, INVIO, PI24 mths30 yrs$200,000$5,000,000No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc | Sydney & Melbourne securities ONLY |
PlatinumP1 Primo - INV FD - Cat 1 & 26.59%
(6.99%)
$1,000,000
[Nil]		6.59%
(6.99%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1, 2Nil$330INVPI12 mths30 yrs$150,000$1,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Int Only available to 80% - No Loading |
PlatinumP2 Primo - MaX INV FD - Cat 16.89%
(7.29%)
$2,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1Nil$330INVPI12 mths30 yrs$1,000,000$2,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Int Only available to 80% - No Loading |
PlatinumP3 Primo MaX - INV FD - Cat 26.89%
(7.29%)
$1,500,000
[Nil]		6.89%
(6.99%)
$1,200,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option2Nil$330INVPI12 mths30 yrs$1,000,000$1,500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Int Only available to 80% - No Loading |
PlatinumP4 Primo INV FD - Cat 3 & 46.59%
(6.99%)
$500,000
[Nil]		6.59%
(6.99%)
$400,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option3, 4Nil$330INVPI12 mths30 yrs$150,000$500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PlatinumXpat6.79%
(7.19%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1, 2, 3, 4Nil$990INVPI30 yrs$150,000$1,000,000No Min. Size Requirement | Reduced Loan Size in Cat 3 & 4 | Refer Acceptable Country List - incl. China, India, New Zealand, PNG, UK, UAE, USA, Vietnam | Annual Fee Waiver 0.10% rate loading available | Free Offset | No IO Loading | Unlimited Cash Out to $500k | Unlimited debt consolidation | No Overseas Credit Report | PAYE Only | 😊😊
PlatinumXpat Alternate Altdoc7.14%
(7.54%)
$2,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1, 2, 3, 4Nil$990INVPI30 yrs$150,000$2,000,000No Min. Size Requirement | Reduced Loan Size in Cat 3 & 4 | Refer Acceptable Country List - incl. China, India, New Zealand, PNG, UK, UAE, USA, Vietnam | Annual Fee Waiver 0.10% rate loading available | Free Offset | No IO Loading | Unlimited Cash Out to $500k | Unlimited debt consolidation | No Overseas Credit Report | Self Employed OK | 😊😊
PurpleNon-Resident P3 Prime FD7.89%
(8.28%)
$2,000,000
[n/a]		7.99%
(8.38%)
$2,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 20.40%1.75%INVPI12 mths30 yrs$100,000$2,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | 
PurpleNon-Resident P4 MAX Prime FD8.09%
(8.48%)
$5,000,000
[n/a]		8.59%
(8.97%)
$5,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 20.40%1.75%INVPI12 mths30 yrs$3,000,000$5,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | 
PurplePrime A Full Doc6.54%
(6.90%)
$3,000,000
[n/a]		6.64%
(7.00%)
$3,000,000
[n/a]		6.74%
(7.10%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%0.75%OO, INVPI12 mths30 yrs$100,000$3,000,000App Fee = 1.00% | 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 | 😊😊.
PurplePrime MaX A Full Doc7.09%
(7.44%)
$10,000,000
[n/a]		7.49%
(7.86%)
$10,000,000
[n/a]		7.74%
(8.11%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%OO, INVPI12 mths30 yrs$3,000,000$10,000,000App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | 
PurpleRural <100 acres FD A7.29%
(7.66%)
$2,500,000
[n/a]		7.49%
(7.85%)
$2,500,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths30 yrs$100,000$2,500,0001.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply.
PurpleRural >100 acres Altdoc A9.24%
(9.58%)
$2,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.5%OO, INVPI12 mths5 yrs$100,000$2,000,000Rural lifestyle only - no income producing securities  (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS |
RedSE Prime A INV6.75%
(6.97%)
$1,500,000
[Nil]		6.78%
(7.00%)
$1,500,000
[Nil]		6.78%
(7.00%)
$1,500,000
[Nil]		7.78%
(8.04%)
$1,500,000
[1.0%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.05% - 0.15%$399INVIO, PI24 mths30 yrs$100,000$1,500,000App 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 |😊😊.
RedSE Prime A Max - INV6.85%
(7.07%)
$2,000,000
[Nil]		6.88%
(7.10%)
$2,000,000
[Nil]		6.88%
(7.10%)
$2,000,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.05% - 0.15%$399INVPI24 mths30 yrs$1,500,000$2,000,000Int Only -Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities |
RedSE Prime A Maxima - INV6.90%
(7.15%)
$2,500,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.05% - 0.15%-INVPI24 mths30 yrs$2,000,000$2,500,000Int Only -Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities |
RedSE Prime XL A7.65%
(7.96%)
$3,500,000
[1.25%]		8.04%
(8.34%)
$3,500,000
[1.25%]		8.14%
(8.44%)
$3,500,000
[1.25%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 2Nil-OO, INVIO, PI24 mths30 yrs$2,500,000$3,500,000Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations.
RedSE Prime XL Jumbo A7.65%
(7.96%)
$5,000,000
[1.25%]		8.04%
(8.34%)
$5,000,000
[1.25%]		8.14%
(8.44%)
$5,000,000
[1.25%]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1NilNilOO, INVIO, PI24 mths30 yrs$3,500,000$5,000,000Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only.
NDIS
CabernetNDIS - Inv Var7.69%
(8.39%)
$3,500,000
[1.0%]		7.69%
(8.39%)
$3,500,000
[1.0%]		7.79%
(8.48%)
$3,500,000
[1.0%]		7.79%
(8.48%)
$3,500,000
[1.0%]		2 Jun 2025-24 mthsClawback1N/A$550NDISPI24 mths25 yrs$50,000$3,500,000NDIS | LPF applies all loans| Duplex is acceptable | Int Only is n/a | Max Term = 25 yrs | Max Radius from GPO SYD - 50kms; 25kms all mainland capital cities |  😊😊😊
CabernetNDIS - OO Var7.39%
(8.09%)
$3,500,000
[1.0%]		7.39%
(8.09%)
$3,500,000
[1.0%]		7.49%
(8.19%)
$3,500,000
[1.0%]		7.49%
(8.19%)
$3,500,000
[1.0%]		7.99%
(8.76%)
$3,000,000
[2.75%]		2 Jun 2025-24 mthsClawback1, 2N/A$550NDISPI24 mths25 yrs$50,000$3,500,000NDIS | LPF applies to all loans | Interest Only is n/a | Max Term is 25 yrs.
Navyndis INV FD [Max 4 rooms]7.83%
(8.23%)
$2,000,000
[N/A]		7.93%
(8.46%)
$1,750,000
[N/A]		2 Jun 2025-18 mthsClawback10.40%$550OO, NDISPI24 mths30 yrs$100,000$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊😊
PlatinumPrimo - NDIS INV7.59%
(7.98%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1Nil$550NDISPI30 yrs$150,000$1,000,000Free 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 |
Near Prime
Loan Type Loan Name50%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
NavyNavy Lifestyle B Full Doc OO - [CB #1]6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		2 Jun 2025-12 mthsClawback, No Clawback Option1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Full Doc OO [NCB#2]7.19%
(7.67%)
$2,000,000
[1.0%]		7.19%
(7.67%)
$1,750,000
[1.0%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
OceanOcean Emerald B OO Full Doc6.99%
(7.07%)
$2,000,000
[n/a]		7.09%
(7.17%)
$2,000,000
[n/a]		7.09%
(7.17%)
$2,000,000
[n/a]		7.24%
(7.32%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%OOPI12 mths30 yrs$100,000$2,000,000Will accept 1 Year ITR + last 6mths BAS |
OceanOcean Emerald MaX B OO Full Doc6.99%
(7.07%)
$3,000,000
[n/a]		7.09%
(7.17%)
$3,000,000
[n/a]		7.09%
(7.17%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.70%OOPI12 mths30 yrs$2,000,000$3,000,000Will accept 1 Year ITR + last 6mths BAS |
PurpleLifestyle B OO FD Special7.14%
(7.50%)
$3,000,000
[n/a]		7.34%
(7.70%)
$3,000,000
[n/a]		7.44%
(7.80%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1%OOPI12 mths30 yrs$100,000$3,000,000Owner Occupied Only. Add 0.40% for Int Only. Security determines the purpose - can have OO ino Company. No Rate Loading for Inv.
Investor
NavyNavy Lifestyle B Full Doc INV - [CB #1]7.24%
(7.67%)
$2,000,000
[Nil]		7.24%
(7.67%)
$2,000,000
[Nil]		7.24%
(7.67%)
$2,000,000
[Nil]		2 Jun 2025-Nil mthsClawback, No Clawback Option1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Full Doc INV [NCB#2]7.44%
(7.92%)
$2,000,000
[1.0%]		7.44%
(7.92%)
$1,750,000
[1.0%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
OceanOcean Emerald B INV Full Doc7.29%
(7.37%)
$2,000,000
[n/a]		7.39%
(7.47%)
$2,000,000
[n/a]		7.39%
(7.47%)
$2,000,000
[n/a]		7.54%
(7.62%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%INVPI12 mths30 yrs$100,000$2,000,000Will accept 1 Year ITR + last 6mths BAS |
OceanOcean Emerald MaX B INV Full Doc7.29%
(7.37%)
$3,000,000
[n/a]		7.39%
(7.47%)
$3,000,000
[n/a]		7.39%
(7.47%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.70%INVPI12 mths30 yrs$2,000,000$3,000,000Will accept 1 Year ITR + last 6mths BAS |
PurpleLifestyle B INV FD7.39%
(7.75%)
$3,000,000
[n/a]		7.49%
(7.85%)
$3,000,000
[n/a]		7.59%
(7.95%)
$3,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1%INVPI12 mths30 yrs$100,000$3,000,000Add 0.40% for Int Only.
Fixed Rate
Loan Type Loan Name50%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
CabernetFlexi Home OO: 1-3 Yr Fixed5.69%
(5.73%)
$3,500,000
[0%]		5.79%
(5.83%)
$3,500,000
[0%]		6.29%
(6.77%)
$3,000,000
[1.75%]		6.29%
(6.84%)
$3,000,000
[3.0%]		28 Feb 2025-24 mthsClawback1, 2, 30.40$330OOPI24 mths30 yrs$50,000$3,500,000$Nil Annual Fee to 80% LVR  | Interest Only - Max 80% LVR for OO IO | Free Offset account |
CabernetFlexi Home OO: 5 Yr Fixed5.99%
(6.03%)
$3,500,000
[0%]		6.09%
(6.13%)
$3,500,000
[0%]		6.59%
(7.07%)
$3,000,000
[1.75%]		6.59%
(7.13%)
$3,000,000
[3.0%]		28 Feb 2025-24 mthsClawback1, 20.40$330OOPI24 mths30 yrs$50,000$3,500,000Nil 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
CabernetFlexi Investor: 1-3 Yrs Fixed5.99%
(6.39%)
$3,500,000
[0%]		6.09%
(6.48%)
$3,500,000
[0%]		6.59%
(7.09%)
$3,000,000
[2.25%]		6.59%
(7.16%)
$3,500,000
[3.50%]		2 Jun 2025-24 mthsClawback1, 2, 30.40$330INVPI24 mths30 yrs$50,000$3,500,000$395 Annual Fee | Offset available |
CabernetFlexi Investor: 5 Yr Fixed6.29%
(6.68%)
$3,500,000
[0%]		6.39%
(6.78%)
$3,500,000
[0%]		6.89%
(7.39%)
$3,000,000
[2.25%]		6.89%
(7.45%)
$3,000,000
[3.5%]		2 Jun 2025-24 mthsClawback1, 20.40%$330INVPI24 mths30 yrs$50,000$3,500,000Nil 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 Name50%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
NavyNavy Prime OO FD6.29%
(6.72%)
$2,000,000
[N/A]		6.39%
(6.82%)
$2,000,000
[N/A]		6.39%
(6.82%)
$1,750,000
[N/A]		2 Jun 2025-18 mthsClawback1, 20.40%$330OOPI24 mths30 yrs$100,000$2,000,000Optional Free Offset/s - Multiple Offsets available | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊
NavyNavy Prime Visa OO FD6.59%
(7.01%)
$2,000,000
[N/A]		6.69%
(7.11%)
$2,000,000
[N/A]		6.69%
(7.11%)
$1,750,000
[N/A]		2 Jun 2025-18 mthsClawback1, 20.40%$330OOPI24 mths30 yrs$100,000$2,000,000Optional 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 |😊😊😊
Navyndis INV FD [Max 4 rooms]7.83%
(8.23%)
$2,000,000
[N/A]		7.93%
(8.46%)
$1,750,000
[N/A]		2 Jun 2025-18 mthsClawback10.40%$550OO, NDISPI24 mths30 yrs$100,000$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊😊
OceanD2 Ocean Diamond A FD - OO6.49%
(6.57%)
$2,000,000
[Nil]		6.64%
(6.72%)
$2,000,000
[n/a]		6.64%
(6.72%)
$2,000,000
[n/a]		6.74%
(6.82%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%OOPI24 mths30 yrs$100,000$2,000,000Can refinance ATO debt on Prime products | 😊😊
PlatinumP1 Primo OO FD - Cat 1 & 26.29%
(6.70%)
$1,000,000
[Nil]		6.29%
(6.70%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1, 2Nil$330OOPI12 mths30 yrs$150,000$1,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents |
PlatinumP2 Primo - MaX OO FD - Cat 16.59%
(6.99%)
$2,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1Nil$330OOPI12 mths30 yrs$1,000,000$2,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only OO | 0.50% Rate Loading for Temporary Residents |
PlatinumP3 Primo MaX OO FD - Cat 26.59%
(6.70%)
$1,200,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option2Nil$330OOPI12 mths30 yrs$1,000,000$1,200,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only | 0.50% Rate Loading for Temporary Residents |
PlatinumP4 Primo OO FD - Cat 3 & 46.29%
(6.70%)
$500,000
[Nil]		6.29%
(6.70%)
$400,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option3, 4Nil$330OOPI12 mths30 yrs$150,000$500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only OO | 0.50% Rate Loading for Temporary Residents |
PurpleP1 Special OOO A FD6.39%
(6.75%)
$3,000,000
[n/a]		6.49%
(6.85%)
$3,000,000
[n/a]		6.54%
(6.90%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%995OOPI12 mths30 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 | 😊😊.
PurplePrime A Full Doc6.54%
(6.90%)
$3,000,000
[n/a]		6.64%
(7.00%)
$3,000,000
[n/a]		6.74%
(7.10%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%0.75%OO, INVPI12 mths30 yrs$100,000$3,000,000App Fee = 1.00% | 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 | 😊😊.
PurplePrime MaX A Full Doc7.09%
(7.44%)
$10,000,000
[n/a]		7.49%
(7.86%)
$10,000,000
[n/a]		7.74%
(8.11%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%OO, INVPI12 mths30 yrs$3,000,000$10,000,000App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | 
Investor
NavyN1 Navy Prime INV FD6.45%
(6.87%)
$2,000,000
[N/A]		6.45%
(6.87%)
$2,000,000
[N/A]		6.45%
(6.87%)
$1,750,000
[N/A]		2 Jun 2025-18 mthsClawback1, 20.40%$330INVPI24 mths30 yrs$100,000$2,000,000Optional Free Offset - multiple offsets available [1 per split] | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | 😊😊
NavyN1 Navy Prime INVESTMENT PROMO FD6.45%
(6.87%)
$2,000,000
[N/A]		6.45%
(6.87%)
$1,750,000
[N/A]		2 Jun 202530 Jun 202518 mthsClawback1, 2Nil$330INVIO, PI24 mths30 yrs$100,000$2,000,000Optional Free Offset -  multiple offsets available [1 per split] | Max 10ha (25 acres) | Min. 20,000 population. | Interest Only Loading WAIVED |😊😊😊  
OceanD3 Ocean Diamond A FD - INV6.79%
(6.85%)
$2,000,000
[n/a]		6.94%
(7.02%)
$2,000,000
[n/a]		6.94%
(7.02%)
$2,000,000
[n/a]		7.04%
(7.12%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%INVPI24 mths30 yrs$100,000$2,000,000Can refinance ATO debt on Prime products | 😊😊
PlatinumP1 Primo - INV FD - Cat 1 & 26.59%
(6.99%)
$1,000,000
[Nil]		6.59%
(6.99%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1, 2Nil$330INVPI12 mths30 yrs$150,000$1,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Int Only available to 80% - No Loading |
PlatinumP2 Primo - MaX INV FD - Cat 16.89%
(7.29%)
$2,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1Nil$330INVPI12 mths30 yrs$1,000,000$2,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Int Only available to 80% - No Loading |
PlatinumP3 Primo MaX - INV FD - Cat 26.89%
(7.29%)
$1,500,000
[Nil]		6.89%
(6.99%)
$1,200,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option2Nil$330INVPI12 mths30 yrs$1,000,000$1,500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Int Only available to 80% - No Loading |
PlatinumP4 Primo INV FD - Cat 3 & 46.59%
(6.99%)
$500,000
[Nil]		6.59%
(6.99%)
$400,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option3, 4Nil$330INVPI12 mths30 yrs$150,000$500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PurplePrime A Full Doc6.54%
(6.90%)
$3,000,000
[n/a]		6.64%
(7.00%)
$3,000,000
[n/a]		6.74%
(7.10%)
$3,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%0.75%OO, INVPI12 mths30 yrs$100,000$3,000,000App Fee = 1.00% | 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 | 😊😊.
PurplePrime MaX A Full Doc7.09%
(7.44%)
$10,000,000
[n/a]		7.49%
(7.86%)
$10,000,000
[n/a]		7.74%
(8.11%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%1.25%OO, INVPI12 mths30 yrs$3,000,000$10,000,000App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | 
NDIS
Navyndis INV FD [Max 4 rooms]7.83%
(8.23%)
$2,000,000
[N/A]		7.93%
(8.46%)
$1,750,000
[N/A]		2 Jun 2025-18 mthsClawback10.40%$550OO, NDISPI24 mths30 yrs$100,000$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊😊
Near Prime
Loan Type Loan Name50%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
NavyNavy Lifestyle B Full Doc OO - [CB #1]6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		6.99%
(7.42%)
$2,000,000
[Nil]		2 Jun 2025-12 mthsClawback, No Clawback Option1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Full Doc OO [NCB#2]7.19%
(7.67%)
$2,000,000
[1.0%]		7.19%
(7.67%)
$1,750,000
[1.0%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550OOPI12 mths30 yrs$50,000$2,000,000ATO 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 |
OceanOcean Emerald B OO Full Doc6.99%
(7.07%)
$2,000,000
[n/a]		7.09%
(7.17%)
$2,000,000
[n/a]		7.09%
(7.17%)
$2,000,000
[n/a]		7.24%
(7.32%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%OOPI12 mths30 yrs$100,000$2,000,000Will accept 1 Year ITR + last 6mths BAS |
OceanOcean Emerald MaX B OO Full Doc6.99%
(7.07%)
$3,000,000
[n/a]		7.09%
(7.17%)
$3,000,000
[n/a]		7.09%
(7.17%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.70%OOPI12 mths30 yrs$2,000,000$3,000,000Will accept 1 Year ITR + last 6mths BAS |
Investor
NavyNavy Lifestyle B Full Doc INV - [CB #1]7.24%
(7.67%)
$2,000,000
[Nil]		7.24%
(7.67%)
$2,000,000
[Nil]		7.24%
(7.67%)
$2,000,000
[Nil]		2 Jun 2025-Nil mthsClawback, No Clawback Option1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
NavyNavy Lifestyle B Full Doc INV [NCB#2]7.44%
(7.92%)
$2,000,000
[1.0%]		7.44%
(7.92%)
$1,750,000
[1.0%]		17 Jun 2025-Nil mthsNo Clawback1, 20.30%$550INVPI12 mths30 yrs$50,000$2,000,000ATO 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 |
OceanOcean Emerald B INV Full Doc7.29%
(7.37%)
$2,000,000
[n/a]		7.39%
(7.47%)
$2,000,000
[n/a]		7.39%
(7.47%)
$2,000,000
[n/a]		7.54%
(7.62%)
$2,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.35%INVPI12 mths30 yrs$100,000$2,000,000Will accept 1 Year ITR + last 6mths BAS |
OceanOcean Emerald MaX B INV Full Doc7.29%
(7.37%)
$3,000,000
[n/a]		7.39%
(7.47%)
$3,000,000
[n/a]		7.39%
(7.47%)
$3,000,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 2, 3, 40.30%0.70%INVPI12 mths30 yrs$2,000,000$3,000,000Will accept 1 Year ITR + last 6mths BAS |

Xpat

Prime
Loan Type Loan Name50%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
NavyXpat N6 OO - FD6.63%
(7.14%)
$1,500,000
[0.50%]		6.73%
(7.24%)
$1,500,000
[0.50%]		6.83%
(7.35%)
$1,500,000
[0.75%]		2 Jun 202530 Jun 2025Nil mthsNo Clawback1, 2WAIVED$990OOPI24 mths28 yrs$150,000$1,500,000PAYG 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 |😊
PurpleXpat P1 Prime FD6.99%
(7.34%)
$2,000,000
[n/a]		7.19%
(7.54%)
$2,000,000
[n/a]		7.59%
(7.94%)
$2,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 20.40%0.75%OO, INVPI12 mths30 yrs$100,000$2,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS.
PurpleXpat P2 Prime FD MAX7.19%
(7.54%)
$5,000,000
[n/a]		7.59%
(7.94%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%0.75%OO, INVPI12 mths30 yrs$3,000,000$5,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS | Max Loan $5.0m.
Investor
CabernetXpat C16.49%
(7.02%)
$2,000,000
[0.50%]		6.49%
(7.02%)
$2,000,000
[0.50%]		6.59%
(7.15%)
$2,000,000
[1.00%]		6.59%
(7.17%)
$2,000,000
[1.50%]		7.09%
(7.69%)
$2,000,000
[2.00%]		7.09%
(7.71%)
$2,000,000
[2.50%]		2 Jun 2025-24 mthsClawback1, 20.40%$500INVPI-30 yrs$50,000$2,000,000Add 0.40% for Int Only | Offset available | LPF applies to all Xpat loans  |  Equity Release & Cash Out to 75% LVR | XPATS ONLY! 😊
NavyNavy Freedom N3 Non Res INV - FD7.24%
(7.74%)
$1,500,000
[0.50%]		7.43%
(7.96%)
$1,500,000
[1.00%]		22 Apr 202530 Jun 2025Nil mthsNo Clawback1, 2WAIVED$990INVPI24 mths28 yrs$150,000$1,500,000PAYG 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 |😊
NavyXpat N1 INV - FD6.63%
(7.14%)
$1,500,000
[0.50%]		6.73%
(7.24%)
$1,500,000
[0.50%]		6.83%
(7.35%)
$1,500,000
[0.75%]		2 Jun 202530 Jun 2025Nil mthsNo Clawback1, 2WAIVED$990INVPI24 mths28 yrs$150,000$1,500,000PAYG 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 |😊
OceanNon Resident INV - Cat 17.94%
(8.07%)
$1,500,000
[n/a]		8.04%
(8.17%)
$1,500,000
[n/a]		8.04%
(8.17%)
$1,500,000
[n/a]		22 May 2025-Nil mthsNo Clawback10.30%1.50%INVPI-30 yrs$100,000$1,500,000Purchase or Refinance - No Cash Out.
OceanXpat O1 INV7.14%
(7.24%)
$2,000,000
[n/a]		7.29%
(7.39%)
$2,000,000
[n/a]		7.39%
(7.49%)
$1,750,000
[n/a]		22 May 2025-Nil mthsNo Clawback1, 20.30%0.75%INVPI-30 yrs$100,000$2,000,000Purchase or Refinance - No Cash Out.
PlatinumXpat6.79%
(7.19%)
$1,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1, 2, 3, 4Nil$990INVPI30 yrs$150,000$1,000,000No Min. Size Requirement | Reduced Loan Size in Cat 3 & 4 | Refer Acceptable Country List - incl. China, India, New Zealand, PNG, UK, UAE, USA, Vietnam | Annual Fee Waiver 0.10% rate loading available | Free Offset | No IO Loading | Unlimited Cash Out to $500k | Unlimited debt consolidation | No Overseas Credit Report | PAYE Only | 😊😊
PlatinumXpat Alternate Altdoc7.14%
(7.54%)
$2,000,000
[Nil]		1 Jul 2025-18 mthsClawback, No Clawback Option1, 2, 3, 4Nil$990INVPI30 yrs$150,000$2,000,000No Min. Size Requirement | Reduced Loan Size in Cat 3 & 4 | Refer Acceptable Country List - incl. China, India, New Zealand, PNG, UK, UAE, USA, Vietnam | Annual Fee Waiver 0.10% rate loading available | Free Offset | No IO Loading | Unlimited Cash Out to $500k | Unlimited debt consolidation | No Overseas Credit Report | Self Employed OK | 😊😊
PurpleNon-Resident P3 Prime FD7.89%
(8.28%)
$2,000,000
[n/a]		7.99%
(8.38%)
$2,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 20.40%1.75%INVPI12 mths30 yrs$100,000$2,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | 
PurpleNon-Resident P4 MAX Prime FD8.09%
(8.48%)
$5,000,000
[n/a]		8.59%
(8.97%)
$5,000,000
[n/a]		27 May 2025-Nil mthsNo Clawback1, 20.40%1.75%INVPI12 mths30 yrs$3,000,000$5,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | 
PurpleXpat P1 Prime FD6.99%
(7.34%)
$2,000,000
[n/a]		7.19%
(7.54%)
$2,000,000
[n/a]		7.59%
(7.94%)
$2,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 20.40%0.75%OO, INVPI12 mths30 yrs$100,000$2,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS.
PurpleXpat P2 Prime FD MAX7.19%
(7.54%)
$5,000,000
[n/a]		7.59%
(7.94%)
$5,000,000
[n/a]		14 Jul 2025-Nil mthsNo Clawback1, 2, 3, 40.40%0.75%OO, INVPI12 mths30 yrs$3,000,000$5,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS | Max Loan $5.0m.
RedSE Prime A INV6.75%
(6.97%)
$1,500,000
[Nil]		6.78%
(7.00%)
$1,500,000
[Nil]		6.78%
(7.00%)
$1,500,000
[Nil]		5 Jun 2025-Reduces 4.16% Mthly - 24 mthsClawback1, 20.05% - 0.15%$399INVIO, PI24 mths30 yrs$100,000$1,500,000App 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 |😊😊.