Specialist Full Doc and Specialist Alt Doc home loans

Life can sometimes throw up challenges that cause people to struggle financially. This doesn't mean there aren't home loan options for you if your past history is less than perfect. We have home loans that take your situation into consideration and can help you move on with your life.
  • No monthly or annual fees

  • For loans up to a maximum of $1.5m

  • Weekly, fortnightly or monthly payment reschedule

  • Online account access

  • Solutions for those who sit outside of typical financial structures

  • Customer benefits program with discounts on goods and services

Not all features available on all products. Please refer to product specs for additional information.

Wide range of home loan solutions

See if you qualify in less than 2 minutes.

Key features of a Specialist Clear home loan

  • We welcome applicants with defaults and judgements listed for less than $1,000, defaults and judgements listed as paid for more than 2 years
  • We welcome applicants who are discharged bankrupt borrowers
  • Cash out available for a range of purposes, including business use and
    payment of tax debts
  • Unlimited number of debts being consolidated to 80% LVR    

Key features of Specialist Plus and Assist home loans

  • We welcome applicants with defaults and judgements listed for less than $1,000, defaults and judgements listed as paid for more than 2 years
  • We welcome applicants who are discharged bankrupt borrowers
  • Cash out available for a range of purposes, including business use and
    payment of tax debts
  • Unlimited number of debts being consolidated to 80% LVR
  • We have a product that could suit applicants with unlimited mortgage arrears and unlimited defaults and judgements

Not all features available on all products. Please refer to product specs for additional information.

Specialist Full Doc and Specialist Alt Doc Rates

The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.

  • Specialist Full Doc Rates
  • Specialist Alt Doc Rates
Specialist Full Doc Clear Plus Assist
Under 60% LVR 3.84%pa 5.35%pa 5.94%pa
60-65% LVR 3.89%pa 5.54%pa 6.14%pa
65-70% LVR 4.19%pa 5.74%pa 6.39%pa
70-75% LVR 4.29%pa 6.15%pa 6.69%pa
75-80% LVR 4.44%pa 6.94%pa 7.59%pa
80-85% LVR 5.15%pa 7.44%pa 8.09%pa
85-90% LVR 6.19%pa 8.44%pa 9.09%pa
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Specialist Alt Doc Clear Plus Assist
Under 60% LVR 5.15%pa 5.54%pa 6.04%pa
60-65% LVR 5.15%pa 5.74%pa 6.34%pa
65-70% LVR 5.45%pa 5.99%pa 6.69%pa
70-75% LVR 5.59%pa 6.39%pa 7.09%pa
75-80% LVR 5.69%pa 7.10%pa 8.04%pa
80-85% LVR 5.99%pa 7.89%pa 8.86%pa
85-90% LVR 6.99%pa 8.89%pa 9.49%pa
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All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Valuation fee is at the cost of the valuation. Annual fee $0. Application fee $399. Settlement fee $199. Discharge fee $250. Details about our products and our full interest rate disclosure for new and existing loans is set out in our Interest Rates Disclosure document. A schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.

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