Standard Residential
From 5.84%
*Promotion Rate
About Standard Residential
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Max LVR: 95%
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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%
Loan Purpose and Rate - Full Doc
Owner Occupied - Ultra Prime 60
OO: 5.84% PI (LVR ≤ 60%)
- Interest rate from 5.84% P.A.
- Comparison rate from 6.32% P.A.
Investment - Ultra Prime 60
INV: 6.34% PI (LVR ≤ 60%)
- Interest rate from 6.34% P.A.
- Comparison rate from 6.82% P.A.
Loan Purpose and Rate - Full Doc
Owner Occupied - Prime 80 / SE 70 Special
OO: 6.24% PI (Prime ≤ 80%; SE ≤ 70%)
- Interest rate from 6.24% P.A.
- Comparison rate from 6.72% P.A.
Investment - Prime 80 / SE 70 Special
INV: 6.54% PI (Prime ≤ 80%; SE ≤ 70%)
- Interest rate from 6.54% P.A.
- Comparison rate from 7.02% P.A.
Loan Purpose and Rate - Alt Doc
Owner Occupied - Prime
OO: 7.04% PI (LVR ≤ 80%)
- Interest rate from 7.04% P.A.
- Comparison rate from 7.52% P.A.
Investment - Prime
INV: 7.34% PI (LVR ≤ 80%)
- Interest rate from 7.34% P.A.
- Comparison rate from 7.82% 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 | From $300 |
| 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