Residential
Prime Home Loan
Fully featured home loan for a wide range of borrowers (PAYG, self-employed, expats, companies & trusts) with optional 100% offset, redraw and P&I or IO options. Up to 95% LVR (with LMI) on eligible scenarios.
Easy Refinance (Home Loan)
Switch with ease: streamlined refinance with sharp fixed/variable options, optional 100% offset and unlimited extra repayments on variable.
NDIS (SDA)
Residential NDIS funding (construction or established) with SDA valuations, liquidity/concentration settings and post-construction offset/redraw availability.
Co-Living
We offer Prime Co-Living solutions (shared-living residences), presented alongside our Prime range. Ask us for current Co-Living product specifics.
Alt Doc Home Loan
For self-employed borrowers without two years of tax returns; flexible income verification (e.g., BAS, business bank statements) and optional offset.
Expat Home Loan
Home loans for Australian expats with optional 100% offset, P&I or IO, construction options and risk-fee schedule by LVR/loan size.
SMSF
SMSF Home Loan
For SMSF trustees purchasing or refinancing residential or commercial property, with optional 100% offset and fixed/IO options (LVR limits apply).
SMSF Easy Refinance
For SMSF trustees purchasing or refinancing residential or commercial property, with optional 100% offset and fixed/IO options (LVR limits apply).
Non-Conforming
Non-Conforming Home Loan
Near-Prime to Specialist Plus solutions with flexible documentation, arrears/default tolerance tiers and IO options.
Commercial
Commercial Loan
Full-featured commercial lending (purchase/refi/cash-out) with Full/Alt/Lease Doc options and flexible terms.
Commercial Easy Refinance
Simplified refinance for commercial securities with P&I or IO, optional offset and clear LVR-based pricing; see acceptable security list in sheet.
Target Market Determination (TMD)
Understanding Target Market Determination (TMD)
To comply with a new law under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019, we have made available Target Market Determination (TMD) documents that describe the type of customer one of our products may suit. This includes specific conditions on how the product can be distributed to our customers.
What is a Target Market Determination (TMD)?
A TMD is a document that describes:
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the persons for which the products have been designed,
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the conditions around the product’s distribution,
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when this TMD will be reviewed, and
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record keeping and reporting obligations of distributors.
Please note a TMD is not intended to provide financial advice. When making a decision about a product always make sure you refer to the Terms and Conditions and any supplementary document(s), these will outline the relevant terms and conditions being provided under that product
Download our TMD's
Folio Product
Folio – Target Market Determination – Prime – Variable
Folio – Target Market Determination – Prime – Fixed
Folio – Target Market Determination – SMFS – Variable
Folio – Target Market Determination – SMFS – Fixed
Folio – Target Market Determination – Non-Resident – Variable
Folio – Target Market Determination – Non-Resident – Fixed
Folio – Target Market Determination – Expat – Variable
Folio – Target Market Determination – Expat – Fixed
Folio – Target Market Determination – Commercial Easy Refinancing
Folio – Target Market Determination – NDIS – Variable
Folio – Target Market Determination – NDIS – Fixed
Folio – Target Market Determination – Homepay – Fixed
Folio – Target Market Determination – Homepay – Variable
Folio Product (Beyond)
Folio Beyond – Target Market Determination – Alt Doc – Variable
Folio Beyond – Target Market Determination – Alt Doc – Fixed
Folio Beyond – Target Market Determination – Near Prime
Folio beyond – Target Market Determination – Specialist and Specialist Plus