Standard Residential – LoanOne

Standard Residential

From 6.09%
*Promotion Rate
SCENARIO INQUIRY

About Standard Residential

  • Max LVR: 95%
  • Max Loan Amount: $3,500,000
  • Bridging Loan / Family Pledge / Non-Conforming Loan Available
  • Fast Refinance Available
  • 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
VALUATION FORM
DISCHARGE FORM
INCOME DECLARATION
- SELF EMPLOYED
ACCOUNTANT'S
VERIFICATION
PRICING AND EXCEPTION
REQUEST FORM

Loan Purpose and Rate - Full Doc

Owner Occupied - Ultra Prime 60
OO: 6.09% PI (LVR ≤ 60%)
  • Interest rate from 6.09% P.A.
  • Comparison rate from 6.57% P.A.
Investment - Ultra Prime 60
INV: 6.59% PI (LVR ≤ 60%)
  • Interest rate from 6.59% P.A.
  • Comparison rate from 7.07% P.A.

Loan Purpose and Rate - Full Doc

Owner Occupied - Prime 80 / SE 70 Special
OO: 6.49% PI (Prime ≤ 80%; SE ≤ 70%)
  • Interest rate from 6.49% P.A.
  • Comparison rate from 6.97% P.A.
Investment - Prime 80 / SE 70 Special
INV: 6.79% PI (Prime ≤ 80%; SE ≤ 70%)
  • Interest rate from 6.79% P.A.
  • Comparison rate from 7.27% P.A.

Loan Purpose and Rate - Alt Doc

Owner Occupied - Prime
OO: 7.29% PI (LVR ≤ 80%)
  • Interest rate from 7.29% P.A.
  • Comparison rate from 7.77% P.A.
Investment - Prime
INV: 7.59% PI (LVR ≤ 80%)
  • Interest rate from 7.59% P.A.
  • Comparison rate from 8.07% P.A.

Product Summary

Security typeResidential
Loan Amount$150,000 to $3,500,000
Maximum LVR• Standard Full Doc: Up to 95%
• Standard Alt Doc: Up to 80%
Loan TermUp to 40 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 10 Years)
Risk FeeFrom $0
Settlement Fee$150
Application fee$0

Document Checklist

Income Document (PAYG)
  • Latest 2 Payslips, Plus
  • 1 Month Salary Credit showing direct credit from employer (3 months if LVR>80%),or
  • Employment Contract and Employment Letter
Income Document (Self-Employed Full Doc)
  • Most Recent 2 Years Company Tax Returns & Financial Statements
  • Most Recent 2 Years Personal Tax Returns & Notice of Assessment
  • 1 Year’s Financials and Tax Returns for Prime & Flex Products - details refer to BDM (No NOA Starting 1st May 2025)
Income Document (Self-Employed Alt Doc)
  • Active ABN for at least 2 years; 6-12 Months Acceptable;
  • PAYG Allowed as Co-Borrower;
  • Declaration of Financial Position plus
  • One of the following:
    Accountant's Letter
    Most recent 12 Months BAS
    Most recent 12 Months Bank Statements