Standard Residential
From 6.29%
*Promotion Rate
About Standard Residential
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Max LVR: 95%
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Max Loan Amount: $3,500,000
- Promotion Rate: OO 6.29% LVR 80%
- 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%
Loan Purpose and Rate - Full Doc
Owner Occupied - Promo Rate
OO: 6.29% PI (LVR ≤ 80%)
- Interest rate from 6.29% P.A.
- Comparison rate from 6.77% P.A.
Investment - Promo Rate
INV: 6.84% PI (LVR ≤ 80%)
- Interest rate from 6.84% P.A.
- Comparison rate from 7.31% P.A.
Loan Purpose and Rate - Alt Doc
Owner Occupied
OO: 7.54% PI (LVR ≤ 80%)
- Interest rate from 7.54% P.A.
- Comparison rate from 8.01% P.A.
Investment
INV: 7.84% PI (LVR ≤ 80%)
- Interest rate from 7.84% P.A.
- Comparison rate from 8.31% P.A.
Product Summary
| Security type | Residential |
| Loan Amount | $150,000 to $3,500,000 |
| Maximum LVR | • Standard Full Doc: Up to 95% • Standard Alt Doc: Up to 80% |
| Loan Term | Up to 40 years |
| Borrower Type | Individuals, 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 Method | Direct debit from nominated bank account |
| Offset Facility | Optional for offset account with $395 annual fee |
| Interest structure | Principal and Interest & Interest Only (Up to 10 Years) |
| Risk Fee | From $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
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One of the following:
Accountant's Letter
Most recent 12 Months BAS
Most recent 12 Months Bank Statements
Loan Calculator
Standard Calculator
Please click on the link to download the calculator for serviceability calculations.
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.