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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

Max Loan Values

Alt Doc

Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%95%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy Options Altdoc OO6.88%
(7.30%)
$2,000,000
[n/a]		6.88%
(7.30%)
$2,000,000
[n/a]		6.93%
(7.35%)
$2,000,000
[n/a]		6.93%
(7.35%)
$1,750,000
[n/a]		22 Apr 2025-18 mths0.30%$330OOPI24 mths30 yrs$2,000,000Optional 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 | 😊😊😊
NavyNavy Prime Visa Altdoc OO7.18%
(7.59%)
$2,000,000
[n/a]		7.18%
(7.59%)
$2,000,000
[n/a]		7.23%
(7.64%)
$2,000,000
[n/a]		7.23%
(7.64%)
$1,750,000
[n/a]		22 Apr 2025-18 mths0.30%$330OOPI24 mths30 yrs$2,000,000Optional 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 |😊😊😊
OceanD1 Diamond A Altdoc OO6.84%
(6.93%)
$2,000,000
[n/a]		6.94%
(7.03%)
$2,000,000
[n/a]		6.94%
(7.03%)
$2,000,000
[n/a]		7.04%
(7.13%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.50%OOPI24 mths30 yrs$2,000,000No Risk Fee | Max. 5 acres (2.2ha) |
OceanD2 Diamond Max A - Altdoc OO6.84%
(6.97%)
$3,000,000
[n/a]		6.94%
(7.07%)
$3,000,000
[n/a]		6.94%
(7.07%)
$3,000,000
[n/a]		6 May 2025-Nil mths0.30%0.85%OOPI24 mths30 yrs$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]7.74%
(7.86%)
$3,500,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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]7.74%
(7.88%)
$5,000,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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]7.74%
(7.88%)
$5,000,000
[n/a]		8.29%
(8.43%)
$5,000,000
[n/a]		8.39%
(8.53%)
$3,500,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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 mthsNil1.25%OO, INVIO12 mths30 yrs$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 mthsNil1.25%OO, INVIO12 mths1 yrs$5,000,000No Servicing Required | 6mth (contracted) or 12mth Terms | Max 80% Contracted; 75% Uncontracted | Max $3m per security |
PlatinumPlatinum Altdoc Acct - OO10.30%
(10.64%)
$1,200,000
[Nil]		10.00%
(10.34%)
$1,000,000
[Nil]		---0.30%$330OOPI24 mths30 yrs$1,200,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | 6mth BAS or Acct Dec | Cash Out - $500k Max |
PlatinumPlatinum Altdoc Fave - OO10.00%
(10.34%)
$1,000,000
[Nil]		---0.30%$330OOPI24 mths30 yrs$1,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | Financial Statements incl P&L & Balance Sheet <18mths old |
PlatinumPlatinum Altdoc Fave MaX - OO10.30%
(10.64%)
$2,000,000
[Nil]		---0.30%$330OOPI24 mths30 yrs$2,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | Financial Statements incl P&L & Balance Sheet <18mths old |
PlatinumPlatinum Altdoc Fave Security - OO10.50%
(10.84%)
$1,000,000
[Nil]		---0.30%$330OOPI24 mths30 yrs$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 |
PurpleP1 Essentials A Altdoc6.59%
(6.95%)
$3,000,000
[n/a]		6.74%
(7.10%)
$3,000,000
[n/a]		6.84%
(7.20%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%0.75%OOPI12 mths30 yrs$3,000,000Security determines the rate (not purpose). |Nurses, Ambulance, Defence (active, retired), Paramedics, SES, Fireies, Police qualify for this discounted rate (1 applicant must be self-employed).
PurpleP3 Special A Altdoc OO6.74%
(7.14%)
$3,000,000
[n/a]		6.89%
(7.28%)
$3,000,000
[n/a]		6.99%
(7.38%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OOPI12 mths30 yrs$3,000,000No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime A Altdoc7.04%
(7.43%)
$3,000,000
[n/a]		7.14%
(7.53%)
$3,000,000
[n/a]		7.24%
(7.63%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OO, INVPI12 mths30 yrs$3,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime MaX A Altdoc7.79%
(8.17%)
$10,000,000
[n/a]		8.29%
(8.66%)
$10,000,000
[n/a]		8.39%
(8.66%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OO, INVPI12 mths30 yrs$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]8.49%
(8.89%)
$3,000,000
[n/a]		8.59%
(8.98%)
$3,000,000
[n/a]		8.69%
(9.08%)
$3,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 & NED8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.98%)
$10,000,000
[n/a]		8.69%
(9.08%)
$5,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 A8.19%
(8.53%)
$2,500,000
[n/a]		8.19%
(8.53%)
$2,500,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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 A9.54%
(9.87%)
$2,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths5 yrs$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 OO6.70%
(6.92%)
$1,500,000
[Nil]		6.70%
(6.92%)
$1,500,000
[Nil]		6.85%
(7.07%)
$1,500,000
[Nil]		6.85%
(7.07%)
$1,500,000
[Nil]		7.85%
(7.07%)
$750,000
[1.00%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.33% - 0.35%$399OOPI24 mths30 yrs$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]		6.80%
(7.02%)
$2,000,000
[Nil]		6.95%
(7.17%)
$2,000,000
[Nil]		6.95%
(7.17%)
$2,000,000
[Nil]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.33% - 0.35%$399OOPI24 mths30 yrs$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]		6.85%
(7.10%)
$2,500,000
[Nil]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.33% - 0.35%-OOPI24 mths30 yrs$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 A7.74%
(8.05%)
$3,500,000
[1.25%]		8.29%
(8.59%)
$3,500,000
[1.25%]		8.39%
(8.69%)
$3,500,000
[1.25%]		28 Feb 2025-Reduces 4.16% Mthly - 24 mthsNilNilOO, INVIO, PI24 mths30 yrs$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 A7.74%
(8.05%)
$5,000,000
[1.25%]		8.29%
(8.59%)
$5,000,000
[1.25%]		8.39%
(8.69%)
$5,000,000
[1.25%]		28 Feb 2025-Reduces 4.16% Mthly - 24 mthsNilNilOO, INVIO, PI24 mths30 yrs$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 INV7.08%
(7.49%)
$2,000,000
[n/a]		7.08%
(7.49%)
$2,000,000
[n/a]		7.13%
(7.54%)
$2,000,000
[n/a]		7.13%
(7.54%)
$1,750,000
[n/a]		22 Apr 2025-18 mths0.30%$330INVPI24 mths30 yrs$2,000,000Optional Offset - 0.10% Rate Loading | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | Can go to $2.5m @ 65% - POA | 😊😊😊
OceanD3 Ocean Diamond A FD - INV7.14%
(7.23%)
$2,000,000
[n/a]		7.24%
(7.33%)
$2,000,000
[n/a]		7.24%
(7.33%)
$2,000,000
[n/a]		7.34%
(7.42%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.50%INVPI24 mths30 yrs$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 INV7.14%
(7.27%)
$3,000,000
[n/a]		7.24%
(7.37%)
$3,000,000
[n/a]		7.24%
(7.37%)
$3,000,000
[n/a]		6 May 2025-Nil mths0.30%0.85%INVPI24 mths30 yrs$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]7.74%
(7.86%)
$3,500,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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]7.74%
(7.88%)
$5,000,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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]7.74%
(7.88%)
$5,000,000
[n/a]		8.29%
(8.43%)
$5,000,000
[n/a]		8.39%
(8.53%)
$3,500,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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 mthsNil1.25%OO, INVIO12 mths30 yrs$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 mthsNil1.25%OO, INVIO12 mths1 yrs$5,000,000No Servicing Required | 6mth (contracted) or 12mth Terms | Max 80% Contracted; 75% Uncontracted | Max $3m per security |
PlatinumPlatinum Altdoc Acct - INV10.60%
(10.93%)
$1,200,000
[Nil]		10.30%
(10.64%)
$1,000,000
[Nil]		---0.30%$330INVPI24 mths30 yrs$1,200,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | 6mth BAS or Acct Dec | Cash Out - $500k Max |
PlatinumPlatinum Altdoc Fave - INV10.30%
(10.64%)
$1,000,000
[Nil]		---0.30%$330INVPI24 mths30 yrs$1,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | Financial Statements incl P&L & Balance Sheet <18mths old |
PlatinumPlatinum Altdoc Fave MaX - INV10.60%
(10.93%)
$2,000,000
[Nil]		---0.30%$330INVPI24 mths30 yrs$2,000,000Free Offset | Annual Fee Waiver - 0.10% rate loading | Cat 1 | Financial Statements incl P&L & Balance Sheet <18mths old |
PlatinumPlatinum Altdoc Fave Security - INV10.80%
(11.13%)
$1,000,000
[Nil]		---0.30%$330INVPI24 mths30 yrs$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 Altdoc7.04%
(7.43%)
$3,000,000
[n/a]		7.14%
(7.53%)
$3,000,000
[n/a]		7.24%
(7.63%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OO, INVPI12 mths30 yrs$3,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime MaX A Altdoc7.79%
(8.17%)
$10,000,000
[n/a]		8.29%
(8.66%)
$10,000,000
[n/a]		8.39%
(8.66%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OO, INVPI12 mths30 yrs$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]8.49%
(8.89%)
$3,000,000
[n/a]		8.59%
(8.98%)
$3,000,000
[n/a]		8.69%
(9.08%)
$3,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 & NED8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.98%)
$10,000,000
[n/a]		8.69%
(9.08%)
$5,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 A8.19%
(8.53%)
$2,500,000
[n/a]		8.19%
(8.53%)
$2,500,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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 A9.54%
(9.87%)
$2,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths5 yrs$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 INV7.00%
(7.21%)
$1,500,000
[Nil]		7.00%
(7.21%)
$1,500,000
[Nil]		7.03%
(7.24%)
$1,500,000
[Nil]		7.03%
(7.24%)
$1,500,000
[Nil]		8.03%
(7.24%)
$750,000
[1.00%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.05% - 0.15%$399INVPI24 mths30 yrs$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 INV7.10%
(7.31%)
$2,000,000
[Nil]		7.10%
(7.31%)
$2,000,000
[Nil]		7.13%
(7.34%)
$2,000,000
[Nil]		7.13%
(7.34%)
$2,000,000
[Nil]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.05% - 0.15%$399INVPI24 mths30 yrs$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 INV6.85%
(7.10%)
$2,500,000
[Nil]		6.85%
(7.10%)
$2,000,000
[Nil]		14 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.05% - 0.15%-INVPI24 mths30 yrs$2,500,000No ETF on Resi securities | Max 10 ha (25 acres) | Max. $1.5m Cash Out |
RedSE Prime XL Altdoc A7.74%
(8.05%)
$3,500,000
[1.25%]		8.29%
(8.59%)
$3,500,000
[1.25%]		8.39%
(8.69%)
$3,500,000
[1.25%]		28 Feb 2025-Reduces 4.16% Mthly - 24 mthsNilNilOO, INVIO, PI24 mths30 yrs$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 A7.74%
(8.05%)
$5,000,000
[1.25%]		8.29%
(8.59%)
$5,000,000
[1.25%]		8.39%
(8.69%)
$5,000,000
[1.25%]		28 Feb 2025-Reduces 4.16% Mthly - 24 mthsNilNilOO, INVIO, PI24 mths30 yrs$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 INV8.18%
(8.68%)
$2,000,000
[n/a]		8.18%
(8.68%)
$2,000,000
[n/a]		8.23%
(8.73%)
$2,000,000
[n/a]		8.23%
(8.73%)
$1,750,000
[n/a]		22 Apr 2025-18 mths0.30%$550NDISPI24 mths30 yrs$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 |😊😊
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%95%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy Lifestyle B Altdoc OO - [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]		22 Apr 2025-12 mths0.30%$550OOPI12 mths30 yrs$1,500,000ATO 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 Altdoc OO - [NCB2]7.69%
(8.18%)
$1,250,000
[1.25%]		7.69%
(8.18%)
$1,250,000
[1.25%]		22 Apr 2025-Nil mths0.30%$550OOPI12 mths30 yrs$1,250,000ATO 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]8.34%
(8.82%)
$1,000,000
[1.25%]		8.55%
(9.03%)
$1,000,000
[1.25%]		8.55%
(9.03%)
$1,000,000
[1.25%]		9.15%
(9.62%)
$1,000,000
[1.25%]		9.35%
(9.82%)
$1,000,000
[1.25%]		22 Apr 2025-Nil mths0.30%$550OOPI6-months30 yrs$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 | 
OceanEmerald B Altdoc OO7.39%
(7.47%)
$3,000,000
[n/a]		7.49%
(7.57%)
$3,000,000
[n/a]		7.49%
(7.55%)
$3,000,000
[n/a]		7.69%
(7.79%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.75%OOPI12 mths30 yrs$3,000,0000.50% App Fee to 70%; 0.75% App Fee >70% |No Risk Fee. | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acres  dependent on Category.
OceanOnyx C Altdoc OO7.69%
(7.80%)
$3,000,000
[n/a]		7.79%
(7.90%)
$3,000,000
[n/a]		7.79%
(7.91%)
$3,000,000
[n/a]		8.09%
(8.21%)
$1,750,000
[n/a]		6 May 2025-Nil mths0.30%1.25%OOPI12 mths30 yrs$3,000,00012 mths ABN | Discharged Bankrupts from Day 1 | Unlimited Paid defaults, Unlimited Unpaid defaults listed >1 Yr |
OceanSpecialist D Altdoc OO8.39%
(8.51%)
$1,500,000
[n/a]		8.49%
(8.61%)
$1,500,000
[n/a]		8.49%
(8.62%)
$1,500,000
[n/a]		8.84%
(8.97%)
$1,250,000
[n/a]		6 May 2025-Nil mths0.30%1.50%OOPI6-months30 yrs$1,500,0006 mths ABN |Discharged Bankrupts from Day 1 | Unlimited Paid defaults, Unlimited Unpaid >6m, 3m arrears |
PurpleLifestyle B Altdoc OO7.89%
(8.26%)
$3,000,000
[n/a]		8.14%
(8.50%)
$3,000,000
[n/a]		8.14%
(8.50%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OOPI12 mths30 yrs$3,000,0001.50% App Fee | No Risk Fee | OO Only | Security determines the rate (not purpose) | Max 10 ha (25 acres).
RedReward B Altdoc - OO7.45%
(7.70%)
$2,500,000
[Nil]		7.45%
(7.70%)
$2,500,000
[Nil]		7.45%
(7.70%)
$2,500,000
[Nil]		7.50%
(7.75%)
$2,250,000
[Nil]		7.50%
(7.78%)
$2,000,000
[0.50%]		7.70%
(7.98%)
$1,750,000
[0.50%]		8.45%
(8.77%)
$1,500,000
[1.50%]		9.45%
(7.98%)
$1,000,000
[2.0%]		14 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.25% - 0.40%399OOPI12 mths30 yrs$2,500,000$ 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]7.74%
(8.16%)
$1,500,000
[Nil]		7.74%
(8.16%)
$1,250,000
[Nil]		7.74%
(8.16%)
$1,250,000
[Nil]		22 Apr 2025-12 mths0.30%$550INVPI12 mths30 yrs$1,500,000ATO 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 Altdoc INV - [NCB#2]7.94%
(8.42%)
$1,250,000
[1.25%]		7.94%
(8.42%)
$1,250,000
[1.25%]		22 Apr 2025-Nil mths0.30%$550INVPI12 mths30 yrs$1,250,000ATO 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 INV7.69%
(7.77%)
$3,000,000
[n/a]		7.79%
(7.87%)
$3,000,000
[n/a]		7.79%
(7.89%)
$3,000,000
[n/a]		7.99%
(8.09%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.75%INVPI12 mths30 yrs$3,000,0000.50% App Fee to 70%; 0.75% App Fee >70% |No Risk Fee. | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acres  dependent on Category.
PurpleLifestyle B Altdoc INV8.04%
(8.41%)
$3,000,000
[n/a]		8.29%
(8.65%)
$3,000,000
[n/a]		8.29%
(8.65%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%INVPI12 mths30 yrs$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 - INV7.65%
(7.90%)
$2,500,000
[Nil]		7.65%
(7.90%)
$2,500,000
[Nil]		7.65%
(7.90%)
$2,500,000
[Nil]		7.70%
(7.95%)
$2,250,000
[Nil]		7.80%
(8.08%)
$2,000,000
[0.50%]		7.90%
(8.18%)
$1,750,000
[0.50%]		8.65%
(8.77%)
$1,500,000
[1.50%]		9.65%
(7.98%)
$1,000,000
[2.0%]		14 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.25% - 0.40%399INVPI12 mths30 yrs$2,500,000$ 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 IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
OceanD1 Diamond A Altdoc OO6.84%
(6.93%)
$2,000,000
[n/a]		6.94%
(7.03%)
$2,000,000
[n/a]		6.94%
(7.03%)
$2,000,000
[n/a]		7.04%
(7.13%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.50%OOPI24 mths30 yrs$2,000,000No Risk Fee | Max. 5 acres (2.2ha) |
OceanD2 Ocean Diamond A FD - OO6.74%
(6.82%)
$2,000,000
[Nil]		6.89%
(6.97%)
$2,000,000
[n/a]		6.89%
(6.97%)
$2,000,000
[n/a]		6.99%
(7.07%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.35%OOPI24 mths30 yrs$2,000,000Can refinance ATO debt on Prime products | 😊😊
PurpleP1 Essentials A Altdoc6.59%
(6.95%)
$3,000,000
[n/a]		6.74%
(7.10%)
$3,000,000
[n/a]		6.84%
(7.20%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%0.75%OOPI12 mths30 yrs$3,000,000Security determines the rate (not purpose). |Nurses, Ambulance, Defence (active, retired), Paramedics, SES, Fireies, Police qualify for this discounted rate (1 applicant must be self-employed).
PurpleP1 Special OOO A FD6.74%
(7.09%)
$3,000,000
[n/a]		6.89%
(7.24%)
$3,000,000
[n/a]		6.99%
(7.34%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%995OOPI12 mths30 yrs$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 OO6.74%
(7.14%)
$3,000,000
[n/a]		6.89%
(7.28%)
$3,000,000
[n/a]		6.99%
(7.38%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OOPI12 mths30 yrs$3,000,000No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime A Altdoc7.04%
(7.43%)
$3,000,000
[n/a]		7.14%
(7.53%)
$3,000,000
[n/a]		7.24%
(7.63%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OO, INVPI12 mths30 yrs$3,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime A Full Doc6.94%
(7.29%)
$3,000,000
[n/a]		7.09%
(7.44%)
$3,000,000
[n/a]		7.29%
(7.64%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$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 Altdoc7.79%
(8.17%)
$10,000,000
[n/a]		8.29%
(8.66%)
$10,000,000
[n/a]		8.39%
(8.66%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OO, INVPI12 mths30 yrs$10,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime MaX A Full Doc7.39%
(7.74%)
$10,000,000
[n/a]		7.79%
(8.16%)
$10,000,000
[n/a]		8.04%
(8.16%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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]8.59%
(8.98%)
$3,000,000
[n/a]		8.69%
(9.08%)
$3,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 & NED8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.98%)
$10,000,000
[n/a]		8.69%
(9.08%)
$5,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 A8.19%
(8.53%)
$2,500,000
[n/a]		8.19%
(8.53%)
$2,500,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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 OO6.70%
(6.92%)
$1,500,000
[Nil]		6.85%
(7.07%)
$1,500,000
[Nil]		6.85%
(7.07%)
$1,500,000
[Nil]		7.85%
(7.07%)
$750,000
[1.00%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.33% - 0.35%$399OOPI24 mths30 yrs$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 - INV7.14%
(7.23%)
$2,000,000
[n/a]		7.24%
(7.33%)
$2,000,000
[n/a]		7.24%
(7.33%)
$2,000,000
[n/a]		7.34%
(7.42%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.35%INVPI24 mths30 yrs$2,000,000Can refinance ATO debt on Prime products | 😊😊
PurplePrime A Altdoc7.04%
(7.43%)
$3,000,000
[n/a]		7.14%
(7.53%)
$3,000,000
[n/a]		7.24%
(7.63%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OO, INVPI12 mths30 yrs$3,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime A Full Doc6.94%
(7.29%)
$3,000,000
[n/a]		7.09%
(7.44%)
$3,000,000
[n/a]		7.29%
(7.64%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$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 Altdoc7.79%
(8.17%)
$10,000,000
[n/a]		8.29%
(8.66%)
$10,000,000
[n/a]		8.39%
(8.66%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.50%OO, INVPI12 mths30 yrs$10,000,000Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS |
PurplePrime MaX A Full Doc7.39%
(7.74%)
$10,000,000
[n/a]		7.79%
(8.16%)
$10,000,000
[n/a]		8.04%
(8.16%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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]8.59%
(8.98%)
$3,000,000
[n/a]		8.69%
(9.08%)
$3,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 & NED8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.98%)
$10,000,000
[n/a]		8.69%
(9.08%)
$5,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 A8.19%
(8.53%)
$2,500,000
[n/a]		8.19%
(8.53%)
$2,500,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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 INV7.00%
(7.21%)
$1,500,000
[Nil]		7.00%
(7.21%)
$1,500,000
[Nil]		7.03%
(7.24%)
$1,500,000
[Nil]		7.03%
(7.24%)
$1,500,000
[Nil]		8.03%
(7.24%)
$750,000
[1.00%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.05% - 0.15%$399INVPI24 mths30 yrs$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 IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy Lifestyle B Altdoc OO - [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]		22 Apr 2025-12 mths0.30%$550OOPI12 mths30 yrs$1,500,000ATO 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 Altdoc OO - [NCB2]7.69%
(8.18%)
$1,250,000
[1.25%]		7.69%
(8.18%)
$1,250,000
[1.25%]		22 Apr 2025-Nil mths0.30%$550OOPI12 mths30 yrs$1,250,000ATO 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 - [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]		22 Apr 2025-12 mths0.30%$550OOPI12 mths30 yrs$1,500,000ATO 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]7.44%
(7.92%)
$1,250,000
[1.0%]		7.44%
(7.92%)
$1,250,000
[1.0%]		22 Apr 2025-Nil mths0.30%$550OOPI12 mths30 yrs$1,250,000ATO 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]8.34%
(8.82%)
$1,000,000
[1.25%]		8.55%
(9.03%)
$1,000,000
[1.25%]		8.55%
(9.03%)
$1,000,000
[1.25%]		9.15%
(9.62%)
$1,000,000
[1.25%]		9.35%
(9.82%)
$1,000,000
[1.25%]		22 Apr 2025-Nil mths0.30%$550OOPI6-months30 yrs$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 | 
OceanEmerald B Altdoc OO7.39%
(7.47%)
$3,000,000
[n/a]		7.49%
(7.57%)
$3,000,000
[n/a]		7.49%
(7.55%)
$3,000,000
[n/a]		7.69%
(7.79%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.75%OOPI12 mths30 yrs$3,000,0000.50% App Fee to 70%; 0.75% App Fee >70% |No Risk Fee. | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acres  dependent on Category.
OceanOcean Emerald B OO Full Doc7.24%
(7.33%)
$2,000,000
[n/a]		7.34%
(7.43%)
$2,000,000
[n/a]		7.34%
(7.43%)
$2,000,000
[n/a]		7.49%
(7.58%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%990OOPI12 mths30 yrs$2,000,000Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only.
PurpleLifestyle B Altdoc OO7.89%
(8.26%)
$3,000,000
[n/a]		8.14%
(8.50%)
$3,000,000
[n/a]		8.14%
(8.50%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OOPI12 mths30 yrs$3,000,0001.50% App Fee | No Risk Fee | OO Only | Security determines the rate (not purpose) | Max 10 ha (25 acres).
PurpleLifestyle B OO FD Special7.44%
(7.80%)
$3,000,000
[n/a]		7.64%
(8.00%)
$3,000,000
[n/a]		7.74%
(8.10%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1%OOPI12 mths30 yrs$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 - OO7.45%
(7.70%)
$2,500,000
[Nil]		7.45%
(7.70%)
$2,500,000
[Nil]		7.45%
(7.70%)
$2,500,000
[Nil]		7.50%
(7.75%)
$2,250,000
[Nil]		7.50%
(7.78%)
$2,000,000
[0.50%]		7.70%
(7.98%)
$1,750,000
[0.50%]		8.45%
(8.77%)
$1,500,000
[1.50%]		9.45%
(7.98%)
$1,000,000
[2.0%]		14 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.25% - 0.40%399OOPI12 mths30 yrs$2,500,000$ 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]7.74%
(8.16%)
$1,500,000
[Nil]		7.74%
(8.16%)
$1,250,000
[Nil]		7.74%
(8.16%)
$1,250,000
[Nil]		22 Apr 2025-12 mths0.30%$550INVPI12 mths30 yrs$1,500,000ATO 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 Altdoc INV - [NCB#2]7.94%
(8.42%)
$1,250,000
[1.25%]		7.94%
(8.42%)
$1,250,000
[1.25%]		22 Apr 2025-Nil mths0.30%$550INVPI12 mths30 yrs$1,250,000ATO 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 - [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]		22 Apr 2025-Nil mths0.30%$550INVPI12 mths30 yrs$1,500,000ATO 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]7.69%
(8.16%)
$1,250,000
[1.0%]		7.69%
(8.16%)
$1,250,000
[1.0%]		22 Apr 2025-Nil mths0.30%$550INVPI12 mths30 yrs$1,250,000ATO 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 INV7.69%
(7.77%)
$3,000,000
[n/a]		7.79%
(7.87%)
$3,000,000
[n/a]		7.79%
(7.89%)
$3,000,000
[n/a]		7.99%
(8.09%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.75%INVPI12 mths30 yrs$3,000,0000.50% App Fee to 70%; 0.75% App Fee >70% |No Risk Fee. | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acres  dependent on Category.
OceanOcean Emerald B INV Full Doc7.54%
(7.63%)
$2,000,000
[n/a]		7.64%
(7.73%)
$2,000,000
[n/a]		7.64%
(7.73%)
$2,000,000
[n/a]		7.79%
(7.88%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%990INVPI12 mths30 yrs$2,000,000Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only.
PurpleLifestyle B Altdoc INV8.04%
(8.41%)
$3,000,000
[n/a]		8.29%
(8.65%)
$3,000,000
[n/a]		8.29%
(8.65%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%INVPI12 mths30 yrs$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 FD7.69%
(8.05%)
$3,000,000
[n/a]		7.89%
(8.24%)
$3,000,000
[n/a]		7.89%
(8.24%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1%INVPI12 mths30 yrs$3,000,000Add 0.40% for Int Only.
RedReward B Altdoc - INV7.65%
(7.90%)
$2,500,000
[Nil]		7.65%
(7.90%)
$2,500,000
[Nil]		7.65%
(7.90%)
$2,500,000
[Nil]		7.70%
(7.95%)
$2,250,000
[Nil]		7.80%
(8.08%)
$2,000,000
[0.50%]		7.90%
(8.18%)
$1,750,000
[0.50%]		8.65%
(8.77%)
$1,500,000
[1.50%]		9.65%
(7.98%)
$1,000,000
[2.0%]		14 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.25% - 0.40%399INVPI12 mths30 yrs$2,500,000$ 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 IO Load App Fee Occupancy Repays ABN Max Term 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 mthsNil1.25%OO, INVIO12 mths30 yrs$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 mthsNil1.25%OO, INVIO12 mths1 yrs$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]8.49%
(8.89%)
$3,000,000
[n/a]		8.59%
(8.98%)
$3,000,000
[n/a]		8.69%
(9.08%)
$3,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 & NED8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.98%)
$10,000,000
[n/a]		8.69%
(9.08%)
$5,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 mthsNil1.25%OO, INVIO12 mths30 yrs$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 mthsNil1.25%OO, INVIO12 mths1 yrs$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]8.49%
(8.89%)
$3,000,000
[n/a]		8.59%
(8.98%)
$3,000,000
[n/a]		8.69%
(9.08%)
$3,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 & NED8.49%
(8.89%)
$10,000,000
[n/a]		8.59%
(8.98%)
$10,000,000
[n/a]		8.69%
(9.08%)
$5,000,000
[n/a]		6 Mar 2025-Nil mthsNil1.4%OO, INVIO12 mths2 yrs$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 IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
CabernetFlexi Home - Var6.55%
(6.60%)
$2,000,000
[N/A]		6.55%
(6.60%)
$2,000,000
[N/A]		6.55%
(6.60%)
$2,000,000
[N/A]		6.55%
(6.60%)
$2,000,000
[N/A]		6.55%
(7.04%)
$2,000,000
[1.75%]		6.85%
(7.39%)
$1,750,000
[3.0%]		28 Feb 2025-24 mths0.40$330OOPI24 mths30 yrs$2,000,000No monthly or annual fees for OO to 80% LVR | FREE 100% OFFSET | Risk Fee applies >75.01%
CabernetFlexi Home Maxima - Var7.05%
(7.10%)
$3,000,000
[N/A]		7.05%
(7.10%)
$3,000,000
[N/A]		7.05%
(7.10%)
$3,000,000
[N/A]		28 Feb 2025-24 mths0.40$330OOPI24 mths30 yrs$3,000,000No monthly or annual fees for OO to 80% LVR | Max LVR for Interest Only = 50% LVR |
NavyNavy Prime OO FD6.54%
(6.96%)
$2,000,000
[N/A]		6.64%
(7.06%)
$2,000,000
[N/A]		6.64%
(7.06%)
$1,750,000
[N/A]		7.15%
(7.56%)
$1,250,000
[N/A]		7.55%
(7.96%)
$1,000,000
[N/A]		22 Apr 2025-18 mths0.40%$330OOPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊
NavyNavy Prime Visa OO FD6.84%
(7.26%)
$2,000,000
[N/A]		6.94%
(7.36%)
$2,000,000
[N/A]		6.94%
(7.36%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$330OOPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | 188 , 309, 444, 475, 476, 485, 487, 489, 500, 820, 884, Bridging A & B are Acceptable | 😊😊
Navyndis OO FD8.08%
(8.48%)
$2,000,000
[N/A]		8.18%
(8.58%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$550OO, NDISPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊😊
OceanD2 Ocean Diamond A FD - OO6.74%
(6.82%)
$2,000,000
[Nil]		6.89%
(6.97%)
$2,000,000
[n/a]		6.89%
(6.97%)
$2,000,000
[n/a]		6.99%
(7.07%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.35%OOPI24 mths30 yrs$2,000,000Can refinance ATO debt on Prime products | 😊😊
OceanD2 Ocean Diamond Max A - OO6.74%
(6.84%)
$3,000,000
[n/a]		6.89%
(6.99%)
$3,000,000
[n/a]		6.89%
(6.99%)
$3,000,000
[n/a]		6 May 2025-Nil mths0.30%0.70%OOPI24 mths30 yrs$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]7.74%
(7.88%)
$5,000,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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]7.74%
(7.88%)
$5,000,000
[n/a]		8.39%
(8.53%)
$3,500,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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 OO FD - Cat 19.60%
(9.94%)
$1,000,000
---Nil$330OOPI24 mths30 yrs$1,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PlatinumP2 MaX OO FD - Cat 19.90%
(10.24%)
$2,000,000
---Nil$330OOPI24 mths30 yrs$2,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PlatinumP5 OO FD - Cat 3&49.80%
(10.14%)
$500,000
9.80%
(10.14%)
$400,000
---Nil$330OOPI24 mths30 yrs$500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PurpleP1 Special OOO A FD6.74%
(7.09%)
$3,000,000
[n/a]		6.89%
(7.24%)
$3,000,000
[n/a]		6.99%
(7.34%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%995OOPI12 mths30 yrs$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 Doc6.94%
(7.29%)
$3,000,000
[n/a]		7.09%
(7.44%)
$3,000,000
[n/a]		7.29%
(7.64%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$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 Doc7.39%
(7.74%)
$10,000,000
[n/a]		7.79%
(8.16%)
$10,000,000
[n/a]		8.04%
(8.16%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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 A7.84%
(8.19%)
$2,500,000
[n/a]		8.04%
(8.38%)
$2,500,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$2,500,0001.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply.
PurpleRural >100 acres FD A9.79%
(10.12%)
$2,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths5 yrs$2,000,0001.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply.
RedSE Prime A OO6.70%
(6.92%)
$1,500,000
[Nil]		6.85%
(7.07%)
$1,500,000
[Nil]		6.85%
(7.07%)
$1,500,000
[Nil]		7.85%
(8.11%)
$1,500,000
[1.0%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.33% - 0.35%$399OOIO, PI24 mths30 yrs$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 - OO6.80%
(7.02%)
$2,000,000
[Nil]		6.95%
(7.17%)
$2,000,000
[Nil]		6.95%
(7.17%)
$2,000,000
[Nil]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.33% - 0.35%$399OOPI24 mths30 yrs$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 - OO6.85%
(7.10%)
$2,500,000
[Nil]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.33% - 0.35%-OOPI24 mths30 yrs$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 A7.74%
(8.05%)
$3,500,000
[1.25%]		8.29%
(8.59%)
$3,500,000
[1.25%]		8.39%
(8.69%)
$3,500,000
[1.25%]		28 Feb 2025-Reduces 4.16% Mthly - 24 mthsNil-OO, INVIO, PI24 mths30 yrs$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 A7.74%
(8.05%)
$5,000,000
[1.25%]		8.29%
(8.59%)
$5,000,000
[1.25%]		8.39%
(8.69%)
$5,000,000
[1.25%]		28 Feb 2025-Reduces 4.16% Mthly - 24 mthsNilNilOO, INVIO, PI24 mths30 yrs$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
CabernetCo-Living Inv - MaX Var [Max 12 rooms]7.85%
(8.25%)
$3,000,000
[0.75%]		7.95%
(8.38%)
$3,000,000
[1.25%]		28 Feb 2025-24 mths0.40%$500INVPI24 mths30 yrs$3,000,000100% Offset available when completed | CRF [Construction Risk Fee] applies to all co-living loans |  Co-Living / Shared Living | Max 6 rooms for Resi (max 12 rooms for Commercial) | Br must have ensuite & Key Lock | Commercial Val.|
CabernetCo-Living Inv - Var Resi [Max 6 rooms]6.85%
(7.27%)
$2,000,000
[0.75%]		6.85%
(7.27%)
$2,000,000
[0.75%]		6.95%
(7.37%)
$2,000,000
[0.75%]		6.95%
(7.39%)
$2,000,000
[1.25%]		28 Feb 2025-24 mths0.40%$500INV, NDISPI24 mths30 yrs$2,000,000100% Offset available when completed | CRF [Construction Risk Fee] applies to all co-living loans |  Co-Living / Shared Living | Max 6 rooms for Resi (max 12 rooms for Commercial) | Br must have ensuite & Key Lock | Commercial Val.|
CabernetCo-Living Inv - Var [Max 12 rooms]7.35%
(7.76%)
$2,000,000
[0.75%]		7.35%
(7.76%)
$2,000,000
[0.75%]		7.45%
(7.86%)
$2,000,000
[0.75%]		7.45%
(7.89%)
$2,000,000
[1.25%]		28 Feb 2025-24 mths0.40%$500INVPI24 mths30 yrs$2,000,000100% Offset available when completed | CRF [Construction Risk Fee] applies to all co-living loans |  Co-Living / Shared Living | Max 6 rooms for Resi (max 12 rooms for Commercial) | Br must have ensuite & Key Lock | Commercial Val.|
CabernetFlexi Investor - Var6.85%
(6.90%)
$2,000,000
[0%]		6.85%
(6.90%)
$2,000,000
[0%]		6.85%
(6.90%)
$2,000,000
[0%]		6.85%
(6.90%)
$2,000,000
[0%]		6.85%
(7.03%)
$2,000,000
[2.50%]		7.15%
(7.39%)
$1,750,000
[3.75%]		28 Feb 2025-24 mths0.40$330INVPI24 mths30 yrs$2,000,000$395 Annual Fee.
CabernetFlexi Investor Maxima - Var7.35%
(7.40%)
$3,000,000
[N/A]		7.35%
(7.40%)
$3,000,000
[N/A]		7.35%
(7.40%)
$3,000,000
[N/A]		28 Feb 2025-24 mths0.40%$330INVPI24 mths30 yrs$3,000,000$395 Annual Fee.
NavyN1 Navy Prime INV FD6.70%
(7.12%)
$2,000,000
[N/A]		6.70%
(7.12%)
$2,000,000
[N/A]		6.70%
(7.12%)
$1,750,000
[N/A]		7.15%
(7.56%)
$1,250,000
[N/A]		7.95%
(8.35%)
$800,000
[N/A]		22 Apr 2025-18 mths0.40%$330INVPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | 😊😊
NavyN1 Navy Prime INVESTMENT PROMO FD6.70%
(7.12%)
$2,000,000
[N/A]		6.70%
(7.12%)
$1,750,000
[N/A]		22 Apr 202530 Jun 202518 mthsNil$330INVIO, PI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | Interest Only Loading WAIVED |😊😊😊
Navyndis INV FD8.20%
(8.60%)
$2,000,000
[N/A]		8.20%
(8.73%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$550INV, NDISPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | Must be 50% tenanted | 😊😊😊
OceanD3 Ocean Diamond A FD - INV7.04%
(7.10%)
$2,000,000
[n/a]		7.19%
(7.27%)
$2,000,000
[n/a]		7.19%
(7.27%)
$2,000,000
[n/a]		7.29%
(7.37%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.35%INVPI24 mths30 yrs$2,000,000Can refinance ATO debt on Prime products | 😊😊
OceanD3 Ocean Diamond MaX A FD - INV7.04%
(7.14%)
$3,000,000
[n/a]		7.19%
(7.29%)
$3,000,000
[n/a]		7.19%
(7.29%)
$3,000,000
[n/a]		6 May 2025-Nil mths0.30%0.70%INVPI24 mths30 yrs$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]7.74%
(7.88%)
$5,000,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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]7.74%
(7.88%)
$5,000,000
[n/a]		8.39%
(8.53%)
$3,500,000
[n/a]		6 May 2025-Nil mthsNil1.25%OO, INVIO, PI24 mths30 yrs$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 |
PlatinumP3 Investor FD - Cat 19.90%
(10.24%)
$1,000,000
---Nil$330INVPI24 mths30 yrs$1,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts |
PlatinumP4 Investor MaX FD - Cat 110.20%
(10.54%)
$2,000,000
[Nil]		---Nil$330INVPI24 mths30 yrs$2,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts |
PlatinumP6 Investor FD - Cat 3&410.10%
(10.44%)
$500,000
10.10%
(10.44%)
$400,000
---Nil$330INVPI24 mths30 yrs$500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PurpleNon-Resident P3 Prime FD8.14%
(8.53%)
$2,000,000
[n/a]		8.64%
(9.02%)
$2,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.75%INVPI12 mths30 yrs$2,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | 
PurpleNon-Resident P4 MAX Prime FD8.14%
(8.53%)
$5,000,000
[n/a]		8.64%
(7.89%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.75%INVPI12 mths30 yrs$5,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | 
PurplePrime A Full Doc6.94%
(7.29%)
$3,000,000
[n/a]		7.09%
(7.44%)
$3,000,000
[n/a]		7.29%
(7.64%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$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 Doc7.39%
(7.74%)
$10,000,000
[n/a]		7.79%
(8.16%)
$10,000,000
[n/a]		8.04%
(8.16%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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 A7.84%
(8.19%)
$2,500,000
[n/a]		8.04%
(8.38%)
$2,500,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$2,500,0001.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply.
PurpleRural >100 acres FD A9.79%
(10.12%)
$2,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths5 yrs$2,000,0001.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply.
RedSE Prime A INV7.15%
(7.36%)
$1,500,000
[Nil]		7.18%
(7.39%)
$1,500,000
[Nil]		7.18%
(7.39%)
$1,500,000
[Nil]		8.18%
(8.44%)
$1,500,000
[1.0%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.05% - 0.15%$399INVIO, PI24 mths30 yrs$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 - INV7.25%
(7.46%)
$2,000,000
[Nil]		7.28%
(7.49%)
$2,000,000
[Nil]		7.28%
(7.49%)
$2,000,000
[Nil]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.05% - 0.15%$399INVPI24 mths30 yrs$2,000,000Int Only -Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities |
RedSE Prime A Maxima - INV7.30%
(7.55%)
$2,500,000
[Nil]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.05% - 0.15%-INVPI24 mths30 yrs$2,500,000Int Only -Max 70% LVR - 2 yrs for OO IO | NO ETF on residential securities |
RedSE Prime XL A7.74%
(8.05%)
$3,500,000
[1.25%]		8.29%
(8.59%)
$3,500,000
[1.25%]		8.39%
(8.69%)
$3,500,000
[1.25%]		28 Feb 2025-Reduces 4.16% Mthly - 24 mthsNil-OO, INVIO, PI24 mths30 yrs$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 A7.74%
(8.05%)
$5,000,000
[1.25%]		8.29%
(8.59%)
$5,000,000
[1.25%]		8.39%
(8.69%)
$5,000,000
[1.25%]		28 Feb 2025-Reduces 4.16% Mthly - 24 mthsNilNilOO, INVIO, PI24 mths30 yrs$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
CabernetCo-Living Inv - Var Resi [Max 6 rooms]6.85%
(7.27%)
$2,000,000
[0.75%]		6.85%
(7.27%)
$2,000,000
[0.75%]		6.95%
(7.37%)
$2,000,000
[0.75%]		6.95%
(7.39%)
$2,000,000
[1.25%]		28 Feb 2025-24 mths0.40%$500INV, NDISPI24 mths30 yrs$2,000,000100% Offset available when completed | CRF [Construction Risk Fee] applies to all co-living loans |  Co-Living / Shared Living | Max 6 rooms for Resi (max 12 rooms for Commercial) | Br must have ensuite & Key Lock | Commercial Val.|
CabernetNDIS - Inv Var6.85%
(7.55%)
$2,000,000
[0.75%]		6.85%
(7.55%)
$2,000,000
[0.75%]		6.95%
(7.65%)
$2,000,000
[0.75%]		6.95%
(7.68%)
$2,000,000
[1.25%]		28 Feb 2025-24 mthsN/A$550NDISPI24 mths25 yrs$2,000,000NDIS | LPF applies all loans| Duplex is acceptable | Interest Only is n/a | Max Term is 25 yrs.  😊😊😊
CabernetNDIS - OO Var6.55%
(7.22%)
$2,000,000
[0.75]		6.55%
(7.22%)
$2,000,000
[0.75]		6.65%
(7.32%)
$2,000,000
[0.75]		6.65%
(7.32%)
$2,000,000
[1.25]		6.95%
(7.74%)
$2,000,000
[2.50%]		28 Feb 2025-24 mthsN/A$550NDISPI24 mths25 yrs$2,000,000NDIS | LPF applies to all loans | Interest Only is n/a | Max Term is 25 yrs.
Navyndis INV FD8.20%
(8.60%)
$2,000,000
[N/A]		8.20%
(8.73%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$550INV, NDISPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | Must be 50% tenanted | 😊😊😊
Navyndis OO FD8.08%
(8.48%)
$2,000,000
[N/A]		8.18%
(8.58%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$550OO, NDISPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊😊
PlatinumPlatinum NDIS INV7.54%
(7.91%)
$1,000,000
---Nil$550NDISPI24 mths30 yrs$1,000,000Free 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 Name50%55%60%65%70%75%80%85%90%95%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy Lifestyle B Full Doc OO - [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]		22 Apr 2025-12 mths0.30%$550OOPI12 mths30 yrs$1,500,000ATO 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]7.44%
(7.92%)
$1,250,000
[1.0%]		7.44%
(7.92%)
$1,250,000
[1.0%]		22 Apr 2025-Nil mths0.30%$550OOPI12 mths30 yrs$1,250,000ATO 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 Doc7.24%
(7.33%)
$2,000,000
[n/a]		7.34%
(7.43%)
$2,000,000
[n/a]		7.34%
(7.43%)
$2,000,000
[n/a]		7.49%
(7.58%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%990OOPI12 mths30 yrs$2,000,000Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only.
PurpleLifestyle B OO FD Special7.44%
(7.80%)
$3,000,000
[n/a]		7.64%
(8.00%)
$3,000,000
[n/a]		7.74%
(8.10%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1%OOPI12 mths30 yrs$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 - OO7.20%
(7.46%)
$2,500,000
[Nil]		7.20%
(7.46%)
$2,500,000
[Nil]		7.20%
(7.46%)
$2,500,000
[Nil]		7.25%
(7.51%)
$2,250,000
[Nil]		7.25%
(7.52%)
$2,000,000
[0.35%]		7.45%
(7.72%)
$1,750,000
[0.35%]		8.45%
(7.72%)
$1,500,000
[1.50%]		9.45%
(7.72%)
$1,000,000
[2.00%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.25% - 0.40%399OOPI12 mths30 yrs$2,500,000$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
NavyNavy Lifestyle B Full Doc 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]		22 Apr 2025-Nil mths0.30%$550INVPI12 mths30 yrs$1,500,000ATO 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]7.69%
(8.16%)
$1,250,000
[1.0%]		7.69%
(8.16%)
$1,250,000
[1.0%]		22 Apr 2025-Nil mths0.30%$550INVPI12 mths30 yrs$1,250,000ATO 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 Doc7.54%
(7.63%)
$2,000,000
[n/a]		7.64%
(7.73%)
$2,000,000
[n/a]		7.64%
(7.73%)
$2,000,000
[n/a]		7.79%
(7.88%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%990INVPI12 mths30 yrs$2,000,000Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only.
PurpleLifestyle B INV FD7.69%
(8.05%)
$3,000,000
[n/a]		7.89%
(8.24%)
$3,000,000
[n/a]		7.89%
(8.24%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1%INVPI12 mths30 yrs$3,000,000Add 0.40% for Int Only.
RedReward B - INV7.40%
(7.65%)
$2,500,000
[Nil]		7.40%
(7.65%)
$2,500,000
[Nil]		7.40%
(7.65%)
$2,500,000
[Nil]		7.45%
(7.70%)
$2,250,000
[Nil]		7.55%
(7.82%)
$2,000,000
[0.35%]		7.65%
(7.92%)
$1,750,000
[0.35%]		8.65%
(7.92%)
$1,500,000
[1.50%]		9.65%
(7.92%)
$1,000,000
[2.00%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.15% - 0.20%399INVPI12 mths30 yrs$2,500,000$ Nil Risk Fee to 70%  (no LMI) | No ETF on residential in company name | Max 10 ha (25 acres).|
Fixed Rate
Loan Type Loan Name50%55%60%65%70%75%80%85%90%95%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
CabernetFlexi Home OO: 1-5 Yr Fixed6.55%
(6.59%)
$2,000,000
[0%]		6.55%
(6.59%)
$2,000,000
[0%]		6.55%
(7.03%)
$2,000,000
[1.75%]		6.85%
(7.39%)
$1,750,000
[3.0%]		28 Feb 2025-24 mths0.40$330OOPI24 mths30 yrs$2,000,000Nil Annual Fee to 80% LVR  | Interest Only - Max 80% LVR for OO IO.
Investor
CabernetFlexi Investor: 1-5 Yr Fixed6.85%
(7.23%)
$2,000,000
[0%]		6.85%
(7.23%)
$2,000,000
[0%]		6.85%
(7.23%)
$2,000,000
[0%]		6.85%
(7.23%)
$2,000,000
[0%]		6.85%
(7.36%)
$2,000,000
[2.50%]		7.15%
(7.72%)
$1,750,000
[3.75%]		28 Feb 2025-24 mths0.40$330INVPI24 mths30 yrs$2,000,000$395 Annual Fee.

1 Yr Returns

Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%95%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy Prime OO FD6.54%
(6.96%)
$2,000,000
[N/A]		6.64%
(7.06%)
$2,000,000
[N/A]		6.64%
(7.06%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$330OOPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊
NavyNavy Prime Visa OO FD6.84%
(7.26%)
$2,000,000
[N/A]		6.94%
(7.36%)
$2,000,000
[N/A]		6.94%
(7.36%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$330OOPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | 188 , 309, 444, 475, 476, 485, 487, 489, 500, 820, 884, Bridging A & B are Acceptable | 😊😊
Navyndis OO FD8.08%
(8.48%)
$2,000,000
[N/A]		8.18%
(8.58%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$550OO, NDISPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. |  😊😊😊
OceanD2 Ocean Diamond A FD - OO6.74%
(6.82%)
$2,000,000
[Nil]		6.89%
(6.97%)
$2,000,000
[n/a]		6.89%
(6.97%)
$2,000,000
[n/a]		6.99%
(7.07%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.35%OOPI24 mths30 yrs$2,000,000Can refinance ATO debt on Prime products | 😊😊
PlatinumP1 OO FD - Cat 19.60%
(9.94%)
$1,000,000
---Nil$330OOPI24 mths30 yrs$1,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PlatinumP2 MaX OO FD - Cat 19.90%
(10.24%)
$2,000,000
---Nil$330OOPI24 mths30 yrs$2,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PlatinumP5 OO FD - Cat 3&49.80%
(10.14%)
$500,000
9.80%
(10.14%)
$400,000
---Nil$330OOPI24 mths30 yrs$500,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts | Max 75% LVR for Int Only |
PurpleP1 Special OOO A FD6.74%
(7.09%)
$3,000,000
[n/a]		6.89%
(7.24%)
$3,000,000
[n/a]		6.99%
(7.34%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%995OOPI12 mths30 yrs$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 Doc6.94%
(7.29%)
$3,000,000
[n/a]		7.09%
(7.44%)
$3,000,000
[n/a]		7.29%
(7.64%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$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 Doc7.39%
(7.74%)
$10,000,000
[n/a]		7.79%
(8.16%)
$10,000,000
[n/a]		8.04%
(8.16%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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 FD6.70%
(7.12%)
$2,000,000
[N/A]		6.70%
(7.12%)
$2,000,000
[N/A]		6.70%
(7.12%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$330INVPI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | 😊😊
NavyN1 Navy Prime INVESTMENT PROMO FD6.70%
(7.12%)
$2,000,000
[N/A]		6.70%
(7.12%)
$1,750,000
[N/A]		22 Apr 202530 Jun 202518 mthsNil$330INVIO, PI24 mths30 yrs$2,000,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | Interest Only Loading WAIVED |😊😊😊
Navyndis INV FD8.20%
(8.73%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$550INV, NDISPI24 mths30 yrs$1,750,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | Must be 50% tenanted | 😊😊😊
OceanD3 Ocean Diamond A FD - INV7.04%
(7.10%)
$2,000,000
[n/a]		7.19%
(7.27%)
$2,000,000
[n/a]		7.19%
(7.27%)
$2,000,000
[n/a]		7.29%
(7.37%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%0.35%INVPI24 mths30 yrs$2,000,000Can refinance ATO debt on Prime products | 😊😊
PlatinumP3 Investor FD - Cat 19.90%
(10.24%)
$1,000,000
---Nil$330INVPI24 mths30 yrs$1,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts |
PlatinumP4 Investor MaX FD - Cat 110.20%
(10.54%)
$2,000,000
[Nil]		---Nil$330INVPI24 mths30 yrs$2,000,000Free Offset account | Cat 1 locations only | 0.20% Rate Loading for Companies or Trusts |
PlatinumP6 Investor FD - Cat 3&410.10%
(10.44%)
$500,000
10.10%
(10.44%)
$400,000
---Nil$330INVPI24 mths30 yrs$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 Doc6.94%
(7.29%)
$3,000,000
[n/a]		7.09%
(7.44%)
$3,000,000
[n/a]		7.29%
(7.64%)
$3,000,000
[n/a]		6 Mar 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$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 Doc7.39%
(7.74%)
$10,000,000
[n/a]		7.79%
(8.16%)
$10,000,000
[n/a]		8.04%
(8.16%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.25%OO, INVPI12 mths30 yrs$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 FD8.20%
(8.73%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$550INV, NDISPI24 mths30 yrs$1,750,000Optional Free Offset | Max 10ha (25 acres) | Min. 20,000 population. | Must be 50% tenanted | 😊😊😊
Navyndis OO FD8.08%
(8.48%)
$2,000,000
[N/A]		8.18%
(8.58%)
$1,750,000
[N/A]		22 Apr 2025-18 mths0.40%$550OO, NDISPI24 mths30 yrs$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 IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy Lifestyle B Full Doc OO - [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]		22 Apr 2025-12 mths0.30%$550OOPI12 mths30 yrs$1,500,000ATO 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]7.44%
(7.92%)
$1,250,000
[1.0%]		7.44%
(7.92%)
$1,250,000
[1.0%]		22 Apr 2025-Nil mths0.30%$550OOPI12 mths30 yrs$1,250,000ATO 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 Doc7.24%
(7.33%)
$2,000,000
[n/a]		7.34%
(7.43%)
$2,000,000
[n/a]		7.34%
(7.43%)
$2,000,000
[n/a]		7.49%
(7.58%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%990OOPI12 mths30 yrs$2,000,000Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only.
RedReward B - OO7.20%
(7.46%)
$2,500,000
[Nil]		7.20%
(7.46%)
$2,500,000
[Nil]		7.20%
(7.46%)
$2,500,000
[Nil]		7.25%
(7.51%)
$2,250,000
[Nil]		7.25%
(7.52%)
$2,000,000
[0.35%]		7.45%
(7.72%)
$1,750,000
[0.35%]		8.45%
(7.72%)
$1,500,000
[1.50%]		9.45%
(7.72%)
$1,000,000
[2.00%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.25% - 0.40%399OOPI12 mths30 yrs$2,500,000$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
NavyNavy Lifestyle B Full Doc 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]		22 Apr 2025-Nil mths0.30%$550INVPI12 mths30 yrs$1,500,000ATO 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]7.69%
(8.16%)
$1,250,000
[1.0%]		7.69%
(8.16%)
$1,250,000
[1.0%]		22 Apr 2025-Nil mths0.30%$550INVPI12 mths30 yrs$1,250,000ATO 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 Doc7.54%
(7.63%)
$2,000,000
[n/a]		7.64%
(7.73%)
$2,000,000
[n/a]		7.64%
(7.73%)
$2,000,000
[n/a]		7.79%
(7.88%)
$2,000,000
[n/a]		6 May 2025-Nil mths0.30%990INVPI12 mths30 yrs$2,000,000Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only.
RedReward B - INV7.40%
(7.65%)
$2,500,000
[Nil]		7.40%
(7.65%)
$2,500,000
[Nil]		7.40%
(7.65%)
$2,500,000
[Nil]		7.45%
(7.70%)
$2,250,000
[Nil]		7.55%
(7.82%)
$2,000,000
[0.35%]		7.65%
(7.92%)
$1,750,000
[0.35%]		8.65%
(7.92%)
$1,500,000
[1.50%]		9.65%
(7.92%)
$1,000,000
[2.00%]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.15% - 0.20%399INVPI12 mths30 yrs$2,500,000$ Nil Risk Fee to 70%  (no LMI) | No ETF on residential in company name | Max 10 ha (25 acres).|

Xpat

Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%95%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyXpat N6 OO - FD6.88%
(7.42%)
$1,500,000
[0.50%]		6.98%
(7.52%)
$1,500,000
[0.50%]		7.08%
(7.63%)
$1,500,000
[0.75%]		22 Apr 202530 Jun 2025Nil mths-990OOPI24 mths28 yrs$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 FD7.54%
(7.89%)
$2,000,000
[n/a]		7.74%
(8.08%)
$2,000,000
[n/a]		7.94%
(8.28%)
$2,000,000
[n/a]		17 Feb 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$2,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS.
PurpleXpat P2 Prime FD MAX7.74%
(8.08%)
$5,000,000
[n/a]		8.14%
(8.48%)
$5,000,000
[n/a]		17 Feb 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$5,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS | Max Loan $5.0m.
Investor
CabernetXpat C17.40%
(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 mths0.40%$500INVPI-30 yrs$1,500,000Add 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%
(7.78%)
$1,500,000
[0.50%]		7.43%
(7.99%)
$1,500,000
[1.00%]		22 Apr 202530 Jun 2025Nil mths-990INVPI24 mths28 yrs$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 - FD6.88%
(7.42%)
$1,500,000
[0.50%]		6.98%
(7.52%)
$1,500,000
[0.50%]		7.08%
(7.63%)
$1,500,000
[0.75%]		22 Apr 202530 Jun 2025Nil mths-990INVPI24 mths28 yrs$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 18.19%
(7.49%)
$1,500,000
[n/a]		8.29%
(7.49%)
$1,500,000
[n/a]		8.29%
(7.49%)
$1,500,000
[n/a]		6 May 2025-Nil mths0.30%1.50%INVPI-30 yrs$1,500,000Purchase or Refinance - No Cash Out.
OceanXpat O1 INV7.39%
(7.49%)
$2,000,000
[n/a]		7.54%
(7.64%)
$2,000,000
[n/a]		7.64%
(7.74%)
$1,750,000
[n/a]		6 May 2025-Nil mths0.30%0.75%INVPI-30 yrs$2,000,000Purchase or Refinance - No Cash Out.
PurpleNon-Resident P3 Prime FD8.14%
(8.53%)
$2,000,000
[n/a]		8.64%
(9.02%)
$2,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.75%INVPI12 mths30 yrs$2,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | 
PurpleNon-Resident P4 MAX Prime FD8.14%
(8.53%)
$5,000,000
[n/a]		8.64%
(7.89%)
$5,000,000
[n/a]		6 Mar 2025-Nil mths0.40%1.75%INVPI12 mths30 yrs$5,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | 
PurpleXpat P1 Prime FD7.54%
(7.89%)
$2,000,000
[n/a]		7.74%
(8.08%)
$2,000,000
[n/a]		7.94%
(8.28%)
$2,000,000
[n/a]		17 Feb 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$2,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS.
PurpleXpat P2 Prime FD MAX7.74%
(8.08%)
$5,000,000
[n/a]		8.14%
(8.48%)
$5,000,000
[n/a]		17 Feb 2025-Nil mths0.40%0.75%OO, INVPI12 mths30 yrs$5,000,000Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS | Max Loan $5.0m.
RedSE Prime A INV7.15%
(7.36%)
$1,500,000
[Nil]		7.18%
(7.39%)
$1,500,000
[Nil]		7.18%
(7.39%)
$1,500,000
[Nil]		28 Feb 202531 Mar 2025Reduces 4.16% Mthly - 24 mths0.05% - 0.15%$399INVIO, PI24 mths30 yrs$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 |😊😊.