Low Doc Home Loans

Low Doc Home Loans with No Application Fee

Owner Occupier Max LVR 80%
Investment Max LVR 80%
Capitalisation of Lender's Mortgage Insurance N/A
Minimum Loan Size $15,000
Maximum Loan Size <=70% LVR $1,500,000

>70% LVR $1,000,000

=80% LVR $1,000,000

Redraw Facility Yes. No minimum
Interest Only Payments Yes

1-5 years

Weekly/Fortnightly/Monthly Payments Yes
Extra Payments Yes

No minimum

Deposit Methods  Direct Debit, Salary Credit, BPAY®, Bank@Post
Loan Fixing No – At Origination.Yes – Post Settlement.

Fee – $295.

Loan Splitting Yes

Minimum $15,000

Loan Switching 1st year: Convert to any Self-Employed Product.After 2 years: convert to any product.

Conversion Fee $295.

Repayment Holiday Yes
Lifestyle Option Yes
Construction Option Yes
Tier 2 Genuine Savings Option No
Statement Frequency Quarterly (monthly available)
Debit Card & Chequebook Yes
ATM, EFTPOS & Cheque Access 25 Free Transactions per month across all access methods.
Transactions Fees After Free Trans: $2.00 for ATMs, $0.65 for EFTPOS, $0.90 for Cheque
Offset Account Yes


Application Fee NIL
Valuation Fee First valuation free.

$220 per additional valuation.

Loan Settlement Fee $285
Account Servicing Fee $375 pa
Discharge Fee $295 (plus legal costs)
Lender's Mortgage Insurance Payable By Customer N/A


Low Doc Home Loans with No Mortgage Insurance Fee

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