We’re a specialist non-bank lender
Fast, reliable and tailored solutions for the clients the banks find hard to place.
Subject to credit assessment.
Home loan products
Six specialist products, one team — built for brokers whose clients don’t fit the bank box.
SMSF Loan
Residential and commercial property in a Self-Managed Super Fund — with a $0 risk fee on SMSF Commercial.
Easy Refinance
Switch with loan statements only — no income documents. Residential, SMSF and Expat & Non-Resident.
Low Doc Loan
For self-employed borrowers — an accountant’s letter or 3 months’ BAS. Now with 1 Year ABN.
Full Doc Home Loan
Our sharpest rates for PAYG and self-employed borrowers, up to 95% LVR. 40-year term available.
Expat Home Loan
For Australian citizens and PRs earning overseas income. One rate for owner-occupied and investment.
Non-Resident Home Loan
For overseas buyers to purchase, refinance or release equity in Australian residential property.
*The comparison rate is based on a secured loan of $150,000 and a term of 25 years. WARNING: This comparison rate is only true for the example given and may not include all fees and charges. Different loan amounts, terms, or fees may result in a different comparison rate. Rates are subject to credit assessment.
What’s new
The latest products, features and rate changes for your clients.
Find the right product
Start with your client's situation — we'll point you to the product that fits.
Our impact at a glance
Let's start the journey towards success and grow revenue for your business. Take your brokerage to the next level.
Success stories
Real deals we've helped brokers get approved — the challenge, and how we solved it.
Low DocSelf-employed engineer, no two years of financials
- Challenge
- Banks required two years of financial statements for a high loan amount.
- How we solved it
- Accountant's letter to verify income, plus an enhanced serviceability assessment.
SMSFSmart SMSF strategies lift borrowing power
- Challenge
- One PAYG income needed to support a $900K SMSF purchase.
- How we solved it
- Extra contributions up to $30K p.a. with an accountant's letter, plus offset addback on the $440K balance.
Non-ResidentUK-based consultant buys a Sydney investment
- Challenge
- Couldn't supply local financial statements in time.
- How we solved it
- UK accountant's letter plus six months of bank statements — approved with no risk fee.
Broker toolkit
Everything you need to quote, prepare and submit — in one place.
Frequently asked questions
What is an SMSF loan?
How do SMSF loans work?
An SMSF loan allows the trustees of the SMSF to borrow money to buy an investment property as part of the SMSF portfolio. The property can be either residential or commercial.
Once purchased, the property is held in a separate custodian trust (bare trust) and any income generated is re-invested into the fund to repay the SMSF loan. When the loan is repaid, the SMSF acquires the deed title. The diagram below shows how this works.
SMSF loan structure
