Your clients' needs are changing.
And we're changing with them to help
you succeed
Life has changed dramatically over the last four years.
As a mortgage broker, this means your "typical borrower" doesn't really exist anymore.
Your clients’ lives have changed, their needs are continually changing, but are your lending partners flexible enough to change and evolve with them?
You need a lender that can move with the market and adapt its products, policies and processes to suit your clients’ needs today.
Changes we’ve made this year to ensure your clients are assessed fairly and given opportunities in line with current market conditions include:
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Reducing the servicing buffer to ensure the bar isn’t too high for borrowers to meet serviceability requirements:
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Equipping self-employed borrowers with better mortgage-based finance options to suit their needs
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Giving property investors a fair go when assessing their serviceability and borrowing power:
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Helping investors take advantage of the rising demand for apartments with policy changes:
Our flexible approach to finance
We’re helping investors get back into the market with I/O loans for the price of P&I; solutions for self-employed and credit-impaired investors, and credit policy tweaks that ensure investors are properly assessed and can maximise their borrowing power.
Self-employed borrowers
We offer both Prime Alt Doc and Specialist Alt Doc Solutions for self-employed borrowers who don’t have the last two years’ of financial information or can demonstrate their business’ current profitability using more recent alternative income verification docs.
Property investors
We’re helping investors get back into the market with I/O loans for the price of P&I and credit policy tweaks that ensure investors are properly assessed and can maximise their borrowing power.
Borrowers with credit issues
Our specialist loans give good borrowers who have experienced adverse life events an opportunity to qualify for mortgage- based finance. We accommodate clients with ATO debts, credit defaults under $2K and unlimited arrears.
We look for more ways to say ‘Yes’.
Our award-winning BDMs are here to help you succeed.
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BDM (QLD)
We pull policy levers to get your client the best results
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We ensure self-employed borrowers put their best financials forward
![](https://resimac-cdn.azureedge.net/-/media/Project/Resimac/Broker/Images/AdamHarling_200x200.png?h=100%25&w=100%25&rev=998510beb1a44d588fef536804b900aa&hash=1761A5D26AA16F680991E5244C7522E6)
We can make exceptions for applications with strong asset positions
Our lending solutions give your clients more flexibility.
We offer niche product features and policies that give your clients more opportunities to access and utilise mortgage-based finance to suit their needs.
Prime
- Available up to 95% LVR for both owner occupied and investment
- Refinancing and I/O available up to 95% LVR
- I/O term up to 10 years
- Up to six offset accounts
- Up to $500k business debt refinance
- In house LMI DUA
- Rate based on security, not purpose
- FASTRefi available
- Cash out to 85% - unlimited
- Unlimited cashout up to 85% LVR
Prime (Alt Doc)
- Flat rate across all borrower and repayment types and LVRs
- 80% no LMI
- Unlimited cash out up to 80% LVR
- One form of income verification
- No risk fee
- Rate based on security, not purpose
- Up to $500k business debt refinance
- Up to six offset accounts
- Minor defaults considered
- No monthly or annual fees
Specialist
- Tax debt refinance
- Six months casual employment accepted
- Rates arrears and bankruptcies considered
- Multiple related defaults considered as one ‘credit event’
- Consolidate unlimited number of debts
- Defaults under $2K, listed over two years or paid over 12 months ago ignored
- Unlimited business debt refinance
- Rate based on security, not purpose
Specialist (Alt Doc)
- 90% purchase or 85% refinance
- Six months ABN: three months business bank statements or six months BAS
- 12 months ABN: Accountant’s Verification
- Defaults under $2K, listed over two years or paid over 12 months ago ignored
- Multiple related defaults considered as ‘one credit event’
- Unlimited business debt refinance
- Rate based on security, not purpose