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

Max Loan Values

Alt Doc

Prime

Loan Type	Loan Name	55%	60%	65%	70%	75%	80%	85%	Eff Date	Promo Exp	Clawback	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Navy	Navy Options Altdoc OO			6.63% (7.05%) $2,000,000 [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 mths	1, 2	0.30%	$330	OO	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Offset 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 \| 😊😊😊
Navy	Navy Options Visa Altdoc OO			6.93% (7.35%) $2,000,000 [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 mths	1, 2	0.30%	$330	OO	PI	24 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 \| Acceptable Visas: 188 , 309, 444, 475, 476, 485, 487, 489, 500, 820, 884, Bridging A & B \|😊😊😊
Ocean	D1 Diamond A Altdoc OO			6.59% (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 mths	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			6.59% (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 mths	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]		7.49% (7.61%) $3,500,000 [n/a]						22 May 2025	-	Nil mths	1, 2	Nil	1.25%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$3,500,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Cat 1 & 2 locations excl Capital cities \|
Ocean	D4 Prestige A Altdoc \| FD - [Capitals excl Mel & Syd]		7.49% (7.64%) $5,000,000 [n/a]						22 May 2025	-	Nil mths	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]			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 mths	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			7.74% (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 mths	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			7.74% (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 mths	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	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	Altdoc - OO				10.30% (10.64%) $1,200,000 [Nil]		10.00% (10.34%) $1,000,000 [Nil]		-	-	18 mths	1	0.30%	$330	OO	PI	24 mths	30 yrs	$150,000	$1,200,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| 6mth BAS or Acct Dec \| Cash Out - $500k Max \|
Platinum	Alternate Altdoc - MaX OO						10.30% (10.64%) $2,000,000 [Nil]		-	-	18 mths	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	Alternate Altdoc - OO						10.00% (10.34%) $1,000,000 [Nil]		-	-	18 mths	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 \| Financial Statements incl P&L & Balance Sheet <18mths old \|
Platinum	Alternate Altdoc - Security OO				10.50% (10.84%) $1,000,000 [Nil]				-	-	18 mths	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 \| Financial Statements incl P&L & Balance Sheet <18mths old \| Unit <50m2, HR security, CS <500 \| Refer >$1m \|
Purple	P3 Special A Altdoc OO			6.49% (6.89%) $3,000,000 [n/a]		6.64% (7.04%) $3,000,000 [n/a]	6.74% (7.14%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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			6.69% (7.09%) $3,000,000 [n/a]		6.84% (7.23%) $3,000,000 [n/a]	6.94% (7.33%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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			7.54% (7.92%) $10,000,000 [n/a]		8.04% (8.42%) $10,000,000 [n/a]	8.14% (8.52%) $5,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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	Relocation 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 mths	-	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$100,000	$3,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| Servicing on END debt @ revert rate - No Servicing on NED \| Reverts to applicable rate after sale of current property \| BRIDGING.
Purple	Relocation MaX - ED & NED			8.14% (8.54%) $10,000,000 [n/a]		8.49% (8.89%) $10,000,000 [n/a]			27 May 2025	-	Nil mths	-	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 \|
Purple	Rural <100 acres Altdoc A			7.94% (8.28%) $2,500,000 [n/a]		7.94% (8.28%) $2,500,000 [n/a]			27 May 2025	-	Nil mths	-	0.40%	1.25%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
Purple	Rural >100 acres Altdoc A	9.29% (9.62%) $2,000,000 [n/a]							27 May 2025	-	Nil mths	1, 2, 3, 4	0.40%	1.25%	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			6.45% (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 mths	-	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			6.80% (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 mths	-	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			6.85% (7.10%) $2,500,000 [Nil]	6.60% (6.85%) $2,500,000 [Nil]				5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	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			7.65% (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 mths	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			7.65% (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 mths	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			6.83% (7.25%) $2,000,000 [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 mths	1, 2	0.30%	$330	INV	PI	24 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 \| 😊😊😊
Ocean	D3 Ocean Diamond A FD - INV			6.89% (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 mths	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			6.89% (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 mths	1, 2, 3, 4	0.30%	0.85%	INV	PI	24 mths	30 yrs	$2,000,000	$3,000,000	No Risk Fee \|Max. 5 acres (2.2ha) \| Rate Loading of 0.25% for loans >$2.0m WAIVED UFN \|
Ocean	D4 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals]		7.49% (7.61%) $3,500,000 [n/a]						22 May 2025	-	Nil mths	1, 2	Nil	1.25%	OO, INV	IO, PI	24 mths	30 yrs	$200,000	$3,500,000	No Risk Fee \| No rate loading for Investor or Int Only \| Max. 5 acres (2.2ha) \| Same rates for Full Doc \| Cat 1 & 2 locations excl Capital cities \|
Ocean	D4 Prestige A Altdoc \| FD - [Capitals excl Mel & Syd]		7.49% (7.64%) $5,000,000 [n/a]						22 May 2025	-	Nil mths	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]			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 mths	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			7.74% (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 mths	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			7.74% (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 mths	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	Altdoc - INV				10.60% (10.93%) $1,200,000 [Nil]		10.30% (10.64%) $1,000,000 [Nil]		-	-	18 mths	1	0.30%	$330	INV	PI	24 mths	30 yrs	$150,000	$1,200,000	Free Offset \| Annual Fee Waiver - 0.10% rate loading \| Cat 1 \| 6mth BAS or Acct Dec \| Cash Out - $500k Max \|
Platinum	Alternate Altdoc - INV						10.30% (10.64%) $1,000,000 [Nil]		-	-	18 mths	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	Alternate Altdoc - MaX INV						10.60% (10.93%) $2,000,000 [Nil]		-	-	18 mths	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	Alternate Altdoc - Security INV				10.80% (11.13%) $1,000,000 [Nil]				-	-	18 mths	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 \|
Purple	Prime A Altdoc			6.69% (7.09%) $3,000,000 [n/a]		6.84% (7.23%) $3,000,000 [n/a]	6.94% (7.33%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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			7.54% (7.92%) $10,000,000 [n/a]		8.04% (8.42%) $10,000,000 [n/a]	8.14% (8.52%) $5,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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	Relocation 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 mths	-	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$100,000	$3,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| Servicing on END debt @ revert rate - No Servicing on NED \| Reverts to applicable rate after sale of current property \| BRIDGING.
Purple	Relocation MaX - ED & NED			8.14% (8.54%) $10,000,000 [n/a]		8.49% (8.89%) $10,000,000 [n/a]			27 May 2025	-	Nil mths	-	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 \|
Purple	Rural <100 acres Altdoc A			7.94% (8.28%) $2,500,000 [n/a]		7.94% (8.28%) $2,500,000 [n/a]			27 May 2025	-	Nil mths	-	0.40%	1.25%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	Rural lifestyle only - no income producing securities (max 100 acres)\| Valuation by quote \| Loadings may apply \| Acct Dec or 12 mths BAS \|
Purple	Rural >100 acres Altdoc A	9.29% (9.62%) $2,000,000 [n/a]							27 May 2025	-	Nil mths	1, 2, 3, 4	0.40%	1.25%	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			7.00% (7.21%) $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 mths	-	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			7.10% (7.31%) $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 mths	-	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			6.85% (7.10%) $2,500,000 [Nil]	6.90% (7.15%) $2,000,000 [Nil]				5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	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			7.65% (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 mths	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			7.65% (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 mths	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]			7.93% (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 mths	1	0.30%	$550	NDIS	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Offset - 0.10% Rate Loading \| Max 10ha (25 acres) \|Discount for Dual Income Verification \| Acct Dec or 12 mths BAS \| Max 100% of Alternate Use Valuation \| Cash Out or Equity Release Available \| Max 4 bedrooms \|😊😊

Near Prime

Loan Type	Loan Name	50%	60%	65%	70%	75%	80%	85%	90%	Eff Date	Promo Exp	Clawback	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]		6.99% (7.42%) $1,500,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]					2 Jun 2025	-	12 mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Altdoc OO - [NCB2]					7.19% (7.69%) $1,250,000 [1.25%]	7.19% (7.69%) $1,250,000 [1.25%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,250,000	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]		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 mths	1, 2	0.30%	$550	OO	PI	6-months	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 \|
Ocean	Emerald B Altdoc OO			7.14% (7.23%) $3,000,000 [n/a]	7.24% (7.33%) $3,000,000 [n/a]					22 May 2025	-	Nil mths	-	0.30%	0.50%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	No Risk Fee. \| Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Emerald B Altdoc OO >70%					7.24% (7.30%) $3,000,000 [n/a]	7.44% (7.54%) $2,000,000 [n/a]			22 May 2025	-	Nil mths	-	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			7.44% (7.55%) $3,000,000 [n/a]	7.54% (7.65%) $3,000,000 [n/a]					22 May 2025	-	Nil mths	-	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					7.54% (7.66%) $3,000,000 [n/a]	7.84% (7.96%) $1,750,000 [n/a]			22 May 2025	-	Nil mths	-	0.30%	1.25%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	12 mths ABN \| Discharged Bankrupts from Day 1 \| Unlimited Paid defaults, Unlimited Unpaid defaults listed >1 Yr \|
Ocean	Specialist D Altdoc OO			8.14% (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 mths	-	0.30%	1.50%	OO	PI	6-months	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			7.19% (7.57%) $3,000,000 [n/a]		7.39% (7.76%) $3,000,000 [n/a]	7.49% (7.86%) $3,000,000 [n/a]			27 May 2025	-	Nil mths	1, 2, 3, 4	0.40%	1.25%	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	6.95% (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 mths	1	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]		7.49% (7.92%) $1,500,000 [Nil]	7.49% (7.92%) $1,250,000 [Nil]	7.49% (7.92%) $1,250,000 [Nil]					2 Jun 2025	-	12 mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Altdoc INV - [NCB#2]					7.69% (8.18%) $1,250,000 [1.25%]	7.69% (8.18%) $1,250,000 [1.25%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,250,000	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			7.44% (7.52%) $3,000,000 [n/a]	7.54% (7.62%) $3,000,000 [n/a]					22 May 2025	-	Nil mths	-	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%					7.54% (7.64%) $3,000,000 [n/a]	7.74% (7.84%) $2,000,000 [n/a]			22 May 2025	-	Nil mths	-	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			7.79% (8.16%) $3,000,000 [n/a]		8.04% (8.41%) $3,000,000 [n/a]	8.04% (8.41%) $3,000,000 [n/a]			27 May 2025	-	Nil mths	1, 2, 3, 4	0.40%	1.25%	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	7.15% (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 mths	1	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	65%	70%	75%	80%	85%	Eff Date	Promo Exp	Clawback	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Ocean	D1 Diamond A Altdoc OO	6.59% (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 mths	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	6.49% (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 mths	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	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	6.49% (6.85%) $3,000,000 [n/a]		6.64% (6.99%) $3,000,000 [n/a]	6.74% (7.09%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	995	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	6.49% (6.89%) $3,000,000 [n/a]		6.64% (7.04%) $3,000,000 [n/a]	6.74% (7.14%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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	6.69% (7.09%) $3,000,000 [n/a]		6.84% (7.23%) $3,000,000 [n/a]	6.94% (7.33%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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	6.69% (7.05%) $3,000,000 [n/a]		6.84% (7.20%) $3,000,000 [n/a]	6.94% (7.29%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	0.75%	OO, INV	PI	12 mths	30 yrs	$100,000	$3,000,000	App 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 \| 😊😊.
Purple	Prime MaX A Altdoc	7.54% (7.92%) $10,000,000 [n/a]		8.04% (8.42%) $10,000,000 [n/a]	8.14% (8.52%) $5,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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	7.14% (7.49%) $10,000,000 [n/a]		7.54% (7.91%) $10,000,000 [n/a]	7.79% (8.16%) $5,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.25%	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	Relocation 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 mths	-	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$100,000	$3,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| Servicing on END debt @ revert rate - No Servicing on NED \| Reverts to applicable rate after sale of current property \| BRIDGING.
Purple	Relocation MaX - ED & NED	8.14% (8.54%) $10,000,000 [n/a]		8.49% (8.89%) $10,000,000 [n/a]			27 May 2025	-	Nil mths	-	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 \|
Purple	Rural <100 acres Altdoc A	7.94% (8.28%) $2,500,000 [n/a]		7.94% (8.28%) $2,500,000 [n/a]			27 May 2025	-	Nil mths	-	0.40%	1.25%	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		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 mths	-	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	6.89% (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 mths	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	6.69% (7.09%) $3,000,000 [n/a]		6.84% (7.23%) $3,000,000 [n/a]	6.94% (7.33%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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	6.69% (7.05%) $3,000,000 [n/a]		6.84% (7.20%) $3,000,000 [n/a]	6.94% (7.29%) $3,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	0.75%	OO, INV	PI	12 mths	30 yrs	$100,000	$3,000,000	App 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 \| 😊😊.
Purple	Prime MaX A Altdoc	7.54% (7.92%) $10,000,000 [n/a]		8.04% (8.42%) $10,000,000 [n/a]	8.14% (8.52%) $5,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.50%	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	7.14% (7.49%) $10,000,000 [n/a]		7.54% (7.91%) $10,000,000 [n/a]	7.79% (8.16%) $5,000,000 [n/a]		27 May 2025	-	Nil mths	-	0.40%	1.25%	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	Relocation 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 mths	-	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$100,000	$3,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| Servicing on END debt @ revert rate - No Servicing on NED \| Reverts to applicable rate after sale of current property \| BRIDGING.
Purple	Relocation MaX - ED & NED	8.14% (8.54%) $10,000,000 [n/a]		8.49% (8.89%) $10,000,000 [n/a]			27 May 2025	-	Nil mths	-	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 \|
Purple	Rural <100 acres Altdoc A	7.94% (8.28%) $2,500,000 [n/a]		7.94% (8.28%) $2,500,000 [n/a]			27 May 2025	-	Nil mths	-	0.40%	1.25%	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	7.00% (7.21%) $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 mths	-	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%	60%	65%	70%	75%	80%	85%	90%	Eff Date	Promo Exp	Clawback	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]		6.99% (7.42%) $1,500,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]					2 Jun 2025	-	12 mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Altdoc OO - [NCB2]					7.19% (7.69%) $1,250,000 [1.25%]	7.19% (7.69%) $1,250,000 [1.25%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,250,000	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 Lifestyle B Full Doc OO - [CB #1]		6.99% (7.42%) $1,500,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]					2 Jun 2025	-	12 mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Full Doc OO [NCB#2]					7.19% (7.67%) $1,250,000 [1.0%]	7.19% (7.67%) $1,250,000 [1.0%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,250,000	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]		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 mths	1, 2	0.30%	$550	OO	PI	6-months	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 \|
Ocean	Emerald B Altdoc OO			7.14% (7.23%) $3,000,000 [n/a]	7.24% (7.33%) $3,000,000 [n/a]					22 May 2025	-	Nil mths	-	0.30%	0.50%	OO	PI	12 mths	30 yrs	$100,000	$3,000,000	No Risk Fee. \| Cat 1, 2, 3 & 4 \| Unlimited Unpaid defaults to $1k OK \| Max 2 Paid Defaults Listed >1 Yr \| Mortgage Arrears <1 month (paid) \|
Ocean	Emerald B Altdoc OO >70%					7.24% (7.30%) $3,000,000 [n/a]	7.44% (7.54%) $2,000,000 [n/a]			22 May 2025	-	Nil mths	-	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			6.99% (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 mths	-	0.30%	0.35%	OO	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Ocean	Ocean Emerald MaX B OO Full Doc			6.99% (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 mths	-	0.30%	0.70%	OO	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Purple	Lifestyle B Altdoc OO			7.19% (7.57%) $3,000,000 [n/a]		7.39% (7.76%) $3,000,000 [n/a]	7.49% (7.86%) $3,000,000 [n/a]			27 May 2025	-	Nil mths	1, 2, 3, 4	0.40%	1.25%	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			7.19% (7.55%) $3,000,000 [n/a]		7.39% (7.75%) $3,000,000 [n/a]	7.49% (7.85%) $3,000,000 [n/a]			27 May 2025	-	Nil mths	-	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	6.95% (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 mths	1	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]		7.49% (7.92%) $1,500,000 [Nil]	7.49% (7.92%) $1,250,000 [Nil]	7.49% (7.92%) $1,250,000 [Nil]					2 Jun 2025	-	12 mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Altdoc INV - [NCB#2]					7.69% (8.18%) $1,250,000 [1.25%]	7.69% (8.18%) $1,250,000 [1.25%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,250,000	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 Lifestyle B Full Doc INV - [CB #1]		7.24% (7.67%) $1,500,000 [Nil]	7.24% (7.67%) $1,250,000 [Nil]	7.24% (7.67%) $1,250,000 [Nil]					2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Full Doc INV [NCB#2]					7.44% (7.92%) $1,250,000 [1.0%]	7.44% (7.92%) $1,250,000 [1.0%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,250,000	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			7.44% (7.52%) $3,000,000 [n/a]	7.54% (7.62%) $3,000,000 [n/a]					22 May 2025	-	Nil mths	-	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%					7.54% (7.64%) $3,000,000 [n/a]	7.74% (7.84%) $2,000,000 [n/a]			22 May 2025	-	Nil mths	-	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			7.29% (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 mths	-	0.30%	0.35%	INV	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Ocean	Ocean Emerald MaX B INV Full Doc			7.29% (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 mths	-	0.30%	0.70%	INV	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Purple	Lifestyle B Altdoc INV			7.79% (8.16%) $3,000,000 [n/a]		8.04% (8.41%) $3,000,000 [n/a]	8.04% (8.41%) $3,000,000 [n/a]			27 May 2025	-	Nil mths	1, 2, 3, 4	0.40%	1.25%	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			7.44% (7.80%) $3,000,000 [n/a]		7.64% (8.00%) $3,000,000 [n/a]	7.64% (8.00%) $3,000,000 [n/a]			27 May 2025	-	Nil mths	-	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	7.15% (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 mths	1	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	65%	75%	80%	Eff Date	Promo Exp	Clawback	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Ocean	D5 Bridging - End Debt (ED) AB	7.74% (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 mths	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	7.74% (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 mths	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]	7.99% (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 mths	-	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$100,000	$3,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| Servicing on END debt @ revert rate - No Servicing on NED \| Reverts to applicable rate after sale of current property \| BRIDGING.
Purple	Relocation MaX - ED & NED	8.14% (8.54%) $10,000,000 [n/a]	8.49% (8.89%) $10,000,000 [n/a]		27 May 2025	-	Nil mths	-	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	7.74% (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 mths	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	7.74% (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 mths	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]	7.99% (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 mths	-	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$100,000	$3,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| Servicing on END debt @ revert rate - No Servicing on NED \| Reverts to applicable rate after sale of current property \| BRIDGING.
Purple	Relocation MaX - ED & NED	8.14% (8.54%) $10,000,000 [n/a]	8.49% (8.89%) $10,000,000 [n/a]		27 May 2025	-	Nil mths	-	Nil	1.4%	OO, INV	IO	12 mths	2 yrs	$3,000,000	$10,000,000	1 Yr prepaid interest - Max. 2 Yr Term \| Must include a purchase \| No Servicing on NED loans \| Ideal for downsizing \| Can be used for construction \| BRIDGING \|

Full Doc

Prime

Loan Type	Loan Name	55%	60%	65%	70%	75%	80%	85%	90%	95%	Eff Date	Promo Exp	Clawback	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Cabernet	Flexi Home - Var		5.90% (5.95%) $3,500,000 [N/A]		5.90% (5.95%) $3,500,000 [N/A]	6.00% (6.05%) $3,500,000 [N/A]	6.00% (6.05%) $3,500,000 [N/A]	6.50% (6.99%) $3,500,000 [1.75%]	6.50% (7.05%) $3,000,000 [3.0%]		2 Jun 2025	-	24 mths	1, 2	0.40	$330	OO	PI	24 mths	30 yrs	$50,000	$3,500,000	No monthly or annual fees for OO to 80% LVR \| FREE 100% OFFSET \| Risk Fee applies >75.01%
Navy	Navy Prime OO FD				6.29% (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 mths	1, 2, 3	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 Visa OO FD				6.59% (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 mths	1, 2, 3	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 \|😊😊😊
Navy	ndis 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 mths	1	0.40%	$550	OO, NDIS	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset \| Max 10ha (25 acres) \| Min. 20,000 population. \| 😊😊😊
Ocean	D2 Ocean Diamond A FD - OO			6.49% (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 mths	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			6.49% (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 mths	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 Prestige A Altdoc \| FD - [Capitals excl Mel & Syd]		7.49% (7.64%) $5,000,000 [n/a]								22 May 2025	-	Nil mths	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]			7.49% (7.64%) $5,000,000 [n/a]		8.04% (8.18%) $3,500,000 [n/a]					22 May 2025	-	Nil mths	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						9.60% (9.94%) $1,000,000				-	-	18 mths	1	Nil	$330	OO	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \| Max 75% LVR for Int Only \|
Platinum	P2 Primo - MaX OO FD - Cat 1						9.90% (10.24%) $2,000,000				-	-	18 mths	1	Nil	$330	OO	PI	24 mths	30 yrs	$1,000,000	$2,000,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \| Max 75% LVR for Int Only \|
Platinum	P5 Primo OO FD - Cat 3&4				9.80% (10.14%) $500,000		9.80% (10.14%) $400,000				-	-	18 mths	3, 4	Nil	$330	OO	PI	24 mths	30 yrs	$150,000	$500,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \| Max 75% LVR for Int Only \|
Purple	P1 Special OOO A FD			6.49% (6.85%) $3,000,000 [n/a]		6.64% (6.99%) $3,000,000 [n/a]	6.74% (7.09%) $3,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	995	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			6.69% (7.05%) $3,000,000 [n/a]		6.84% (7.20%) $3,000,000 [n/a]	6.94% (7.29%) $3,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	0.75%	OO, INV	PI	12 mths	30 yrs	$100,000	$3,000,000	App 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 \| 😊😊.
Purple	Prime MaX A Full Doc			7.14% (7.49%) $10,000,000 [n/a]		7.54% (7.91%) $10,000,000 [n/a]	7.79% (8.16%) $5,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	1.25%	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			7.34% (7.69%) $2,500,000 [n/a]		7.54% (7.89%) $2,500,000 [n/a]					27 May 2025	-	Nil mths	-	0.40%	1.25%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	1.50% App Fee \| Rural lifestyle only - no income producing securities)\| Valuation by quote \| Loadings may apply.
Purple	Rural >100 acres Altdoc A	9.29% (9.62%) $2,000,000 [n/a]									27 May 2025	-	Nil mths	1, 2, 3, 4	0.40%	1.25%	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				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%) $1,500,000 [1.0%]			5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	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				6.55% (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 mths	-	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				6.60% (6.85%) $2,500,000 [Nil]						5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	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			7.65% (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 mths	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			7.65% (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 mths	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	Flexi Investor - Var		6.20% (6.25%) $3,500,000 [0%]		6.20% (6.25%) $3,500,000 [0%]	6.30% (6.35%) $3,500,000 [0%]	6.30% (6.35%) $3,500,000 [0%]	6.80% (6.97%) $3,500,000 [2.25%]	6.80% (7.03%) $3,000,000 [3.5%]		2 Jun 2025	-	24 mths	1, 2	0.40	$330	INV	PI	24 mths	30 yrs	$50,000	$3,500,000	$395 Annual Fee.
Navy	N1 Navy Prime INV FD				6.45% (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 mths	1, 2, 3	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	N1 Navy Prime INVESTMENT PROMO FD					6.45% (6.87%) $2,000,000 [N/A]	6.45% (6.87%) $1,750,000 [N/A]				2 Jun 2025	30 Jun 2025	18 mths	1, 2, 3	Nil	$330	INV	IO, 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. \| Interest Only Loading WAIVED \|😊😊😊
Ocean	D3 Ocean Diamond A FD - INV			6.79% (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 mths	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			6.79% (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 mths	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 Prestige A Altdoc \| FD - [Capitals excl Mel & Syd]		7.49% (7.64%) $5,000,000 [n/a]								22 May 2025	-	Nil mths	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]			7.49% (7.64%) $5,000,000 [n/a]		8.04% (8.18%) $3,500,000 [n/a]					22 May 2025	-	Nil mths	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	P3 Primo - INV FD - Cat 1						9.90% (10.24%) $1,000,000				-	-	18 mths	1	Nil	$330	INV	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \|
Platinum	P4 Primo - INV MaX FD - Cat 1						10.20% (10.54%) $2,000,000 [Nil]				-	-	18 mths	1	Nil	$330	INV	PI	24 mths	30 yrs	$1,000,000	$2,000,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \|
Platinum	P6 Primo INV FD - Cat 3&4				10.10% (10.44%) $500,000		10.10% (10.44%) $400,000				-	-	18 mths	3, 4	Nil	$330	INV	PI	24 mths	30 yrs	$150,000	$500,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \| Max 75% LVR for Int Only \|
Purple	Non-Resident P3 Prime FD			7.94% (8.33%) $2,000,000 [n/a]		8.04% (8.43%) $2,000,000 [n/a]					27 May 2025	-	Nil mths	-	0.40%	1.75%	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			8.14% (8.53%) $5,000,000 [n/a]		8.64% (7.89%) $5,000,000 [n/a]					27 May 2025	-	Nil mths	-	0.40%	1.75%	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			6.69% (7.05%) $3,000,000 [n/a]		6.84% (7.20%) $3,000,000 [n/a]	6.94% (7.29%) $3,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	0.75%	OO, INV	PI	12 mths	30 yrs	$100,000	$3,000,000	App 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 \| 😊😊.
Purple	Prime MaX A Full Doc			7.14% (7.49%) $10,000,000 [n/a]		7.54% (7.91%) $10,000,000 [n/a]	7.79% (8.16%) $5,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	1.25%	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			7.34% (7.69%) $2,500,000 [n/a]		7.54% (7.89%) $2,500,000 [n/a]					27 May 2025	-	Nil mths	-	0.40%	1.25%	OO, INV	PI	12 mths	30 yrs	$100,000	$2,500,000	1.50% App Fee \| Rural lifestyle only - no income producing securities)\| Valuation by quote \| Loadings may apply.
Purple	Rural >100 acres Altdoc A	9.29% (9.62%) $2,000,000 [n/a]									27 May 2025	-	Nil mths	1, 2, 3, 4	0.40%	1.25%	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				6.90% (7.12%) $1,500,000 [Nil]	6.93% (7.15%) $1,500,000 [Nil]	6.93% (7.15%) $1,500,000 [Nil]	7.93% (8.19%) $1,500,000 [1.0%]			5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	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				7.00% (7.21%) $2,000,000 [Nil]	7.03% (7.24%) $2,000,000 [Nil]	7.03% (7.24%) $2,000,000 [Nil]				5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	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				7.05% (7.30%) $2,500,000 [Nil]						5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	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			7.65% (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 mths	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			7.65% (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 mths	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	NDIS - Inv Var		7.70% (8.40%) $3,500,000 [1.0%]		7.70% (8.40%) $3,500,000 [1.0%]	7.80% (8.49%) $3,500,000 [1.0%]	7.80% (8.49%) $3,500,000 [1.0%]				2 Jun 2025	-	24 mths	1	N/A	$550	NDIS	PI	24 mths	25 yrs	$50,000	$3,500,000	NDIS \| 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 \| 😊😊😊
Cabernet	NDIS - OO Var		7.40% (8.10%) $3,500,000 [1.0%]		7.40% (8.10%) $3,500,000 [1.0%]	7.50% (8.20%) $3,500,000 [1.0%]	7.50% (8.20%) $3,500,000 [1.0%]	8.00% (8.77%) $3,500,000 [2.75%]			2 Jun 2025	-	24 mths	1, 2	N/A	$550	NDIS	PI	24 mths	25 yrs	$50,000	$3,500,000	NDIS \| LPF applies to all loans \| Interest Only is n/a \| Max Term is 25 yrs.
Navy	ndis 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 mths	1	0.40%	$550	OO, 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			7.54% (7.91%) $1,000,000							-	-	18 mths	1	Nil	$550	NDIS	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset account \| Max 65% of Uplift Val or 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 Name	50%	60%	65%	70%	75%	80%	85%	90%	Eff Date	Promo Exp	Clawback	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]		6.99% (7.42%) $1,500,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]					2 Jun 2025	-	12 mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Full Doc OO [NCB#2]					7.19% (7.67%) $1,250,000 [1.0%]	7.19% (7.67%) $1,250,000 [1.0%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,250,000	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			6.99% (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 mths	-	0.30%	0.35%	OO	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Ocean	Ocean Emerald MaX B OO Full Doc			6.99% (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 mths	-	0.30%	0.70%	OO	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Purple	Lifestyle B OO FD Special			7.19% (7.55%) $3,000,000 [n/a]		7.39% (7.75%) $3,000,000 [n/a]	7.49% (7.85%) $3,000,000 [n/a]			27 May 2025	-	Nil mths	-	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 - OO	6.95% (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 [0.35%]	7.20% (7.47%) $1,750,000 [0.35%]	8.20% (8.52%) $1,500,000 [1.50%]	9.20% (9.54%) $1,000,000 [2.00%]	5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	0.25% - 0.40%	399	OO	PI	12 mths	30 yrs	$100,000	$2,500,000	$Nil Risk Fee to 70% (no LMI) \| Int Only - Max 2 yrs 70% LVR for OO IO \| No ETF on residential in company name \| Max 10 ha (25 acres) \|
Investor
Navy	Navy Lifestyle B Full Doc INV - [CB #1]		7.24% (7.67%) $1,500,000 [Nil]	7.24% (7.67%) $1,250,000 [Nil]	7.24% (7.67%) $1,250,000 [Nil]					2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Full Doc INV [NCB#2]					7.44% (7.92%) $1,250,000 [1.0%]	7.44% (7.92%) $1,250,000 [1.0%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,250,000	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			7.29% (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 mths	-	0.30%	0.35%	INV	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Ocean	Ocean Emerald MaX B INV Full Doc			7.29% (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 mths	-	0.30%	0.70%	INV	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Purple	Lifestyle B INV FD			7.44% (7.80%) $3,000,000 [n/a]		7.64% (8.00%) $3,000,000 [n/a]	7.64% (8.00%) $3,000,000 [n/a]			27 May 2025	-	Nil mths	-	0.40%	1%	INV	PI	12 mths	30 yrs	$100,000	$3,000,000	Add 0.40% for Int Only.
Red	Reward B - INV	7.15% (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% (7.57%) $2,000,000 [0.35%]	7.40% (7.67%) $1,750,000 [0.35%]	8.40% (8.72%) $1,500,000 [1.50%]	9.40% (9.73%) $1,000,000 [2.00%]	5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	0.15% - 0.20%	399	INV	PI	12 mths	30 yrs	$100,000	$2,500,000	$ Nil Risk Fee to 70% (no LMI) \| No ETF on residential in company name \| Max 10 ha (25 acres).\|

Fixed Rate

Loan Type	Loan Name	70%	80%	85%	90%	Eff Date	Promo Exp	Clawback	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	5.70% (5.74%) $3,500,000 [0%]	5.80% (5.84%) $3,500,000 [0%]	6.30% (6.78%) $3,500,000 [1.75%]	6.30% (6.85%) $3,000,000 [3.0%]	28 Feb 2025	-	24 mths	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 \| Free Offset account \|
Cabernet	Flexi Home OO: 4-5 Yr Fixed	6.00% (5.74%) $3,500,000 [0%]	6.10% (5.84%) $3,500,000 [0%]	6.60% (6.78%) $3,500,000 [1.75%]	6.60% (7.14%) $3,000,000 [3.0%]	28 Feb 2025	-	24 mths	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 4 Yr & 5 Yr Fixed Rates \| No Break Fee Costs after 3 Yrs \| 😊😊
Investor
Cabernet	Flexi Investor: 1-3 Yrs Fixed	6.00% (6.69%) $3,500,000 [0%]	6.10% (6.69%) $3,500,000 [0%]	6.60% (6.69%) $3,500,000 [2.25%]	6.60% (6.69%) $3,500,000 [3.50%]	2 Jun 2025	-	24 mths	1, 2	0.40	$330	INV	PI	24 mths	30 yrs	$50,000	$3,500,000	$395 Annual Fee \| Offset available \|
Cabernet	Flexi Investor: 4 Yr & 5 Yr Fixed	6.30% (6.69%) $3,500,000 [0%]	6.40% (6.79%) $3,500,000 [0%]	6.90% (7.40%) $3,500,000 [2.25%]	6.90% (7.46%) $3,000,000 [3.5%]	2 Jun 2025	-	24 mths	1, 2	0.40%	$330	INV	PI	24 mths	30 yrs	$50,000	$3,500,000	$395 Annual Fee \| No Break Costs > 3Yrs \| No Rate Buffering on 4 & 5 Yr Fixed Rates \| 😊😊

1 Yr Returns

Prime

Loan Type	Loan Name	65%	70%	75%	80%	Eff Date	Promo Exp	Clawback	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Navy	Navy Prime OO FD		6.29% (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 mths	1, 2, 3	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 Visa OO FD		6.59% (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 mths	1, 2, 3	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 \|😊😊😊
Navy	ndis 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 mths	1	0.40%	$550	OO, NDIS	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset \| Max 10ha (25 acres) \| Min. 20,000 population. \| 😊😊😊
Ocean	D2 Ocean Diamond A FD - OO	6.49% (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 mths	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				9.60% (9.94%) $1,000,000	-	-	18 mths	1	Nil	$330	OO	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \| Max 75% LVR for Int Only \|
Platinum	P2 Primo - MaX OO FD - Cat 1				9.90% (10.24%) $2,000,000	-	-	18 mths	1	Nil	$330	OO	PI	24 mths	30 yrs	$1,000,000	$2,000,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \| Max 75% LVR for Int Only \|
Platinum	P5 Primo OO FD - Cat 3&4		9.80% (10.14%) $500,000		9.80% (10.14%) $400,000	-	-	18 mths	3, 4	Nil	$330	OO	PI	24 mths	30 yrs	$150,000	$500,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \| Max 75% LVR for Int Only \|
Purple	P1 Special OOO A FD	6.49% (6.85%) $3,000,000 [n/a]		6.64% (6.99%) $3,000,000 [n/a]	6.74% (7.09%) $3,000,000 [n/a]	27 May 2025	-	Nil mths	-	0.40%	995	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	6.69% (7.05%) $3,000,000 [n/a]		6.84% (7.20%) $3,000,000 [n/a]	6.94% (7.29%) $3,000,000 [n/a]	27 May 2025	-	Nil mths	-	0.40%	0.75%	OO, INV	PI	12 mths	30 yrs	$100,000	$3,000,000	App 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 \| 😊😊.
Purple	Prime MaX A Full Doc	7.14% (7.49%) $10,000,000 [n/a]		7.54% (7.91%) $10,000,000 [n/a]	7.79% (8.16%) $5,000,000 [n/a]	27 May 2025	-	Nil mths	-	0.40%	1.25%	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
Navy	N1 Navy Prime INV FD		6.45% (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 mths	1, 2, 3	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	N1 Navy Prime INVESTMENT PROMO FD			6.45% (6.87%) $2,000,000 [N/A]	6.45% (6.87%) $1,750,000 [N/A]	2 Jun 2025	30 Jun 2025	18 mths	1, 2, 3	Nil	$330	INV	IO, 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. \| Interest Only Loading WAIVED \|😊😊😊
Ocean	D3 Ocean Diamond A FD - INV	6.79% (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 mths	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	P3 Primo - INV FD - Cat 1				9.90% (10.24%) $1,000,000	-	-	18 mths	1	Nil	$330	INV	PI	24 mths	30 yrs	$150,000	$1,000,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \|
Platinum	P4 Primo - INV MaX FD - Cat 1				10.20% (10.54%) $2,000,000 [Nil]	-	-	18 mths	1	Nil	$330	INV	PI	24 mths	30 yrs	$1,000,000	$2,000,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \|
Platinum	P6 Primo INV FD - Cat 3&4		10.10% (10.44%) $500,000		10.10% (10.44%) $400,000	-	-	18 mths	3, 4	Nil	$330	INV	PI	24 mths	30 yrs	$150,000	$500,000	Free Offset account \| Cat 1 locations only \| 0.20% Rate Loading for Companies or Trusts \| Max 75% LVR for Int Only \|
Purple	Prime A Full Doc	6.69% (7.05%) $3,000,000 [n/a]		6.84% (7.20%) $3,000,000 [n/a]	6.94% (7.29%) $3,000,000 [n/a]	27 May 2025	-	Nil mths	-	0.40%	0.75%	OO, INV	PI	12 mths	30 yrs	$100,000	$3,000,000	App 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 \| 😊😊.
Purple	Prime MaX A Full Doc	7.14% (7.49%) $10,000,000 [n/a]		7.54% (7.91%) $10,000,000 [n/a]	7.79% (8.16%) $5,000,000 [n/a]	27 May 2025	-	Nil mths	-	0.40%	1.25%	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 \|
NDIS
Navy	ndis 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 mths	1	0.40%	$550	OO, NDIS	PI	24 mths	30 yrs	$100,000	$2,000,000	Optional Free Offset \| Max 10ha (25 acres) \| Min. 20,000 population. \| 😊😊😊

Near Prime

Loan Type	Loan Name	50%	60%	65%	70%	75%	80%	85%	90%	Eff Date	Promo Exp	Clawback	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]		6.99% (7.42%) $1,500,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]	6.99% (7.42%) $1,250,000 [Nil]					2 Jun 2025	-	12 mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Full Doc OO [NCB#2]					7.19% (7.67%) $1,250,000 [1.0%]	7.19% (7.67%) $1,250,000 [1.0%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	OO	PI	12 mths	30 yrs	$50,000	$1,250,000	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			6.99% (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 mths	-	0.30%	0.35%	OO	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Ocean	Ocean Emerald MaX B OO Full Doc			6.99% (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 mths	-	0.30%	0.70%	OO	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Red	Reward B - OO	6.95% (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 [0.35%]	7.20% (7.47%) $1,750,000 [0.35%]	8.20% (8.52%) $1,500,000 [1.50%]	9.20% (9.54%) $1,000,000 [2.00%]	5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	0.25% - 0.40%	399	OO	PI	12 mths	30 yrs	$100,000	$2,500,000	$Nil Risk Fee to 70% (no LMI) \| Int Only - Max 2 yrs 70% LVR for OO IO \| No ETF on residential in company name \| Max 10 ha (25 acres) \|
Investor
Navy	Navy Lifestyle B Full Doc INV - [CB #1]		7.24% (7.67%) $1,500,000 [Nil]	7.24% (7.67%) $1,250,000 [Nil]	7.24% (7.67%) $1,250,000 [Nil]					2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,500,000	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 Lifestyle B Full Doc INV [NCB#2]					7.44% (7.92%) $1,250,000 [1.0%]	7.44% (7.92%) $1,250,000 [1.0%]			2 Jun 2025	-	Nil mths	1, 2	0.30%	$550	INV	PI	12 mths	30 yrs	$50,000	$1,250,000	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			7.29% (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 mths	-	0.30%	0.35%	INV	PI	12 mths	30 yrs	$100,000	$2,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Ocean	Ocean Emerald MaX B INV Full Doc			7.29% (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 mths	-	0.30%	0.70%	INV	PI	12 mths	30 yrs	$2,000,000	$3,000,000	Will accept 1 Year ITR + last 6mths BAS \|
Red	Reward B - INV	7.15% (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% (7.57%) $2,000,000 [0.35%]	7.40% (7.67%) $1,750,000 [0.35%]	8.40% (8.72%) $1,500,000 [1.50%]	9.40% (9.73%) $1,000,000 [2.00%]	5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	0.15% - 0.20%	399	INV	PI	12 mths	30 yrs	$100,000	$2,500,000	$ Nil Risk Fee to 70% (no LMI) \| No ETF on residential in company name \| Max 10 ha (25 acres).\|

Xpat

Prime

Loan Type	Loan Name	55%	60%	65%	70%	75%	80%	85%	90%	Eff Date	Promo Exp	Clawback	Cat	IO Load	App Fee	Occupancy	Repays	ABN	Max Term	Min Loan	Max Loan	Notes
Owner Occupier
Navy	Xpat N6 OO - FD		6.63% (7.17%) $1,500,000 [0.50%]		6.73% (7.27%) $1,500,000 [0.50%]	6.83% (7.38%) $1,500,000 [0.75%]				2 Jun 2025	30 Jun 2025	Nil mths	1, 2	WAIVED	990	OO	PI	24 mths	28 yrs	$150,000	$1,500,000	PAYG or Self Employed \| No Clawback \| No Min Size - Units \| Risk Fee - all loans \| App Fee includes Val fee to $440 \| $499 Annual Fee \| Equity Release (No Cash Out) \| Metro Locations Only \|😊
Purple	Xpat P1 Prime FD			7.04% (7.39%) $2,000,000 [n/a]		7.24% (7.59%) $2,000,000 [n/a]	7.64% (7.99%) $2,000,000 [n/a]			27 May 2025	-	Nil mths	-	0.40%	0.75%	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			7.24% (7.59%) $5,000,000 [n/a]		7.64% (7.99%) $5,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	0.75%	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		7.40% (7.92%) $1,500,000 [0.50%]		7.40% (7.92%) $1,500,000 [0.50%]	7.50% (8.04%) $1,500,000 [1.00%]	7.50% (8.08%) $1,500,000 [1.75%]	7.80% (8.42%) $1,500,000 [2.75%]	8.30% (8.97%) $1,500,000 [4.00%]	28 Feb 2025	-	24 mths	-	0.40%	$500	INV	PI	-	30 yrs	$50,000	$1,500,000	Add 0.40% for Int Only \| Offset available \| LPF applies to all Xpat loans \| Equity Release & Cash Out to 75% LVR \| XPATS ONLY! 😊
Navy	Navy Freedom N3 Non Res INV - FD				7.24% (7.78%) $1,500,000 [0.50%]	7.43% (7.99%) $1,500,000 [1.00%]				22 Apr 2025	30 Jun 2025	Nil mths	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		6.63% (7.17%) $1,500,000 [0.50%]		6.73% (7.27%) $1,500,000 [0.50%]	6.83% (7.38%) $1,500,000 [0.75%]				2 Jun 2025	30 Jun 2025	Nil mths	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	7.94% (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 mths	1	0.30%	1.50%	INV	PI	-	30 yrs	$100,000	$1,500,000	Purchase or Refinance - No Cash Out.
Ocean	Xpat O1 INV			7.14% (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 mths	1, 2	0.30%	0.75%	INV	PI	-	30 yrs	$100,000	$2,000,000	Purchase or Refinance - No Cash Out.
Purple	Non-Resident P3 Prime FD			7.94% (8.33%) $2,000,000 [n/a]		8.04% (8.43%) $2,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	1.75%	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			8.14% (8.53%) $5,000,000 [n/a]		8.64% (7.89%) $5,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	1.75%	INV	PI	12 mths	30 yrs	$3,000,000	$5,000,000	Add 0.40% for Int Only \| 90% of Foreign Income Used \|
Purple	Xpat P1 Prime FD			7.04% (7.39%) $2,000,000 [n/a]		7.24% (7.59%) $2,000,000 [n/a]	7.64% (7.99%) $2,000,000 [n/a]			27 May 2025	-	Nil mths	-	0.40%	0.75%	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			7.24% (7.59%) $5,000,000 [n/a]		7.64% (7.99%) $5,000,000 [n/a]				27 May 2025	-	Nil mths	-	0.40%	0.75%	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				6.90% (7.12%) $1,500,000 [Nil]	6.93% (7.15%) $1,500,000 [Nil]	6.93% (7.15%) $1,500,000 [Nil]			5 Jun 2025	-	Reduces 4.16% Mthly - 24 mths	-	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 \|😊😊.

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