Commercial Alt Doc

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  Purchase
• 
  Refinance
• 
  Equity release of residential or commercial security

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  Individual, Company or Trust

• 
  Owner Occupied or Investment

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  $250,000

• 
  ≤70% LVR Max. $3,000,000
  >70% LVR Max. $2,000,000
  Max. Exposure $5,000,000

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  75%

• 
  10-30 years

• 
  Category 1 and Category 2 Postcodes
• 
  Residential securities
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  Commercial securities (office, warehouse, factory, retail premises and light industrial)

Specialised securities accepted on a case-by-case basis

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  PAYG
  2 consecutive payslips
  
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  Self-employed
  Borrower income declaration; AND
  ONE of the following
  Accountant Declaration
  6 months lodged BAS
  3 months Business Bank Statements
  Active ABN for at least 2 years (If Turnover is >$75,000 must be registered for GST for minimum 12 months)
  

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  Unlimited

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  Up to 5 unsecured debts (<3 credit cards, ATO debts not accepted)

• 
  Default paid up to $500 may be considered

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  Up to 5 loan splits

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  Principal and Interest
• 
  Interest Only up to 5 years followed by Principal and Interest

• 
  Direct Debit, BPAY, Pay anyone