Standard Doc

From 2.39%
*Promotion Rate
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About Standard Doc

  • Max LVR: 95%
  • Max Loan Amount: $2,000,000
  • Promotion Rate: OO 2.39% LVR 70%
  • Airbnb, Uber income are welcomed, accepts private lease by shared accommodation
  • Accept Serviced Apartment, Display Home, Dual Key, NRAS and NDIS properties
  • No LMI for LVR 85%
Application Form
COVID FORM
VALUATION FORM
DISCHARGE FORM
INCOME DECLARATION
- SELF EMPLOYED
ACCOUNTANT'S
VERIFICATION
PURPOSE OF LOAN FUNDS
DECLARATION FORM
PRICING AND EXCEPTION
REQUEST FORM

Loan Purpose and Rate - Standard Doc

Owner Occupied
OO: 2.39% PI (LVR ≤ 70%)
  • Interest rate from 2.39% P.A.
  • Comparison rate from 2.48% P.A.
Investment
INV: 2.94% PI (LVR ≤ 80%)
  • Interest rate from 2.94% P.A.
  • Comparison rate from 3.03% P.A.

Loan Purpose and Rate - Standard Alt Doc

Owner Occupied
OO: 3.09% PI (LVR ≤ 80%)
  • Interest rate from 3.09% P.A.
  • Comparison rate from 3.18% P.A.
Investment
INV: 3.39% PI (LVR ≤ 80%)
  • Interest rate from 3.39% P.A.
  • Comparison rate from 3.48% P.A.

Product Summary

Security typeResidential
Loan Amount$100,000 to $1,500,000 (refer to BDM for loans above $1.5M)
Maximum LVR• Standard Doc: Up to 95%
• Standard Alt Doc: Up to 80%
Loan TermUp to 30 years
Borrower TypeIndividuals, Company or Trust
Loan Purpose• Purchase of an existing residential dwelling
• Home Improvement
• Refinance
• Equity Release/Cash Out
• Debt Consolidations (Up to 4 excluding ATO)
• Working capital – up to 80% LVR
Repayment MethodDirect debit from nominated bank account
Offset FacilityOptional for offset account with $395 annual fee
Interest structurePrincipal and Interest & Interest Only (Up to 5 years)
Owner Occupied (LVR ≤ 70%)2.39% P.A. (PI)
Investment (LVR ≤ 80%)2.94% P.A. (PI)
Application fee$0

Document Checklist

Income Document (PAYG)
  • Latest 2 payslips, PLUS
  • 1 month salary credit showing direct credit from employer
  • Note: If LVR >80%, will require 3 months salary credit
Income Document (Self-Employed)
  • Last 2 years company tax returns and financial statements
  • Last 2 years individual tax return and tax assessment notice
Income Document (Alt Doc)
  • Active ABN for at least 2 years
  • GST registration for at least 12 months (if turnover > $75,000)
  • Borrower Income Declaration AND
  • One of the following:
    1. Accountant Letter
    2. Most recent 12 months BAS
    3. Most recent 12 months business bank statement

Loan Calculator

Genworth Calculator

Recommended serviceability pass rate – PAYG: NDI 1.1, Self- Employed: NDI 1.2
We take 100% of existing rental income into servicing for investment property.

* The comparison rate is based on a secured loan of $150,000 and a term of 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.