Product Fact Sheets

Gold Medico 90% No LMI Home Loan

 The Better Choice Gold Medico 90% No LMI Home Loan offers a standard variable loan Available up to 90% LVR No LMI, this loan suits borrowers that are eligible medical professionals looking for flexibility with their home loan without incurring the cost of Lenders Mortgage Insurance (LMI). FREE rediATM access nationwide with a optional fully transactional 100% Offset account 

Gold Alt Doc Home Loan

The Better Choice Gold Alt Doc Home Loan offers a standard variable loan for self-employed applicants where the usual income requirements for the substantiation of self-employed income are not required. Available up to 60% LVR, this loan suits borrowers that are looking for flexibility with their home loan and investment properties. FREE rediATM access nationwide with a fully transactional 100% Offset account.

Gold Expat Home Loan

The Better Choice Gold Expat Home Loan is available for owner-occupied or investment. This home loan is aimed at those looking for greater flexibility within their loan.

• 90% of foreign income accepted* (PAYG only)
• Loan amounts up to $1,500,000
• 80% LVR (Interest only accepted)
• High-Density Securities accepted at 70% LVR
• Australian Citizens & Permanent Residents accepted (no interest rate loadings)

Gold Expat Home Loan Acceptable Income

This document outlines what foreign income is acceptable – including any shadings (according to Country Tier).

Gold Special Home Loan

The Better Choice Gold Special Home Loan offers a standard variable loan for owner occupiers or investors. Available up to 80% LVR, this loan suits borrowers that are looking for flexibility with their home loan and investment properties. FREE rediATM access nationwide with a fully transactional 100% Offset account.

Gold Variable Home Loan

The Better Choice Gold Home Loan offers a standard variable loan for owner occupiers or investors. Available up to 95% LVR inclusive of LMI, this loan suits borrowers that are looking for flexibility with their home loan. FREE rediATM access nationwide with a fully transactional 100% Offset account.

Gold Fixed Rate Home Loan

The Better Choice Gold Home Loan offers a fixed rate loan for owner occupiers or investors. Available up to 80% LVR, this loan suits borrowers that are looking for flexibility with their home loan. FREE rediATM access nationwide with a fully transactional 100% Offset account.

Gold SMSF Home Loan

The Better Choice Gold SMSF Home Loan offers a standard variable loan. Available up to 80% LVR, this loan suits borrowers that are looking for flexibility with their investment properties.

Our new Ultimate product range providing flexible home loan solutions with 100% Offset for Australian’s looking for a better choice.

Check it out! You will be pleasantly surprised!

Ultimate Product & Policy Guide

Ultimate Prime Alt Doc

Ultimate Specialist Full Doc & Alt Doc

Ultimate Specialist Plus Full Doc & Alt Doc

Options Home Loan

The Variable Home Loan offers clients a competitive variable rate. Choose from a standard loan or a fully transactional 100% Offset Account and Debit card.

Options Fixed Rate Home Loan

The Fixed Rate Home Loan offers clients a competitive variable rate. Choose from a standard loan or a fully transactional 100% Offset Account and Visa debit card.

Options Construction Home Loan

The Variable Rate Construction Home Loan offers clients a competitive variable rate to build a new home, renovate, extend or demolish and rebuild a property.

Options Expat Home Loan

The Expat Home Loan is available for purchases, refinances for both Owner Occupied or Investment properties.

Options Expat Construction Home Loan

The Expat Home Loan is available for construction for both Owner Occupied or Investment properties.

Options Non Resident Home Loan

The Non Resident Home Loan  is aimed at those looking for simplicity and flexibility with their residential property purchase for non-resident borrowers.

Options SMSF Home Loan

The SMSF Home Loan is designed to provide loans to authorised Australian Self-Managed Super Funds for the purpose of purchasing or refinancing residential investment property.

Platinum Home Loan

The Platinum Home Loan offers a flexible term loan available with a 100% offset account. Evidence of income is required. Available up to 95% LVR with LMI capped to same. Available with a debit MasterCard for access to available funds and no ongoing account keeping fees.

Platinum Prime Home Loan Non-Genuine Savings

The Platinum Prime Home Loan (Non-Genuine Savings) offers those without savings the ability to purchase an owner-occupied property to 95% LVR plus capitalised LMI (Maximum 98% LVR). Borrowers who evident their income enjoy the ability to borrow up to 98% LVR of the value of the property with capitalised LMI. Available with a 100% offset account and debit MasterCard access to available funds.

Platinum Alt Doc Home Loan

The Platinum Alt Doc Home Loan offers those who are not in a position to be able to provide full evidence of their income, the opportunity to obtain finance with the option of a flexible term loan with 100% offset account with Debit MasterCard access to available funds. LVR up to 80%.

Platinum Near Prime Home Loan

The Platinum Near Prime Home Loan offers a variety of different choices to suit your needs. This loan is suitable for borrowers with evidence of income and those who do not fit within mainstream lending guidelines. The product is suitable for borrowers with clear and adverse credit history.

Platinum Near Prime Alt Doc Home Loan

The Platinum Near Prime Home Loan offers a variety of different choices to suit your needs. This loan is suitable for borrowers with evidence of income and those who do not fit within mainstream lending guidelines. The product is suitable for borrowers with clear and adverse credit history.

Platinum Specialist Home Loan

The Platinum Specialist Home Loan offers a variety of different choices to suit your needs. This loan is suitable for borrowers with evidence of income and those who do not fit within mainstream lending guidelines. The product is suitable for borrowers with adverse credit history.

Platinum Specialist Plus Home Loan

The Platinum Specialist Plus Home Loan offers a variety of different choices to suit your needs. This loan is suitable for borrowers with evidence of income and those who do not fit within mainstream lending guidelines. The product is suitable for borrowers with adverse credit history.

Platinum Specialist Alt Doc Home Loan

The Platinum Specialist Alt Doc Home Loan gives borrowers who are not able to provide verification of their income and who do not fit within the mainstream lending guidelines the chance to obtain finance.

Platinum Specialist Alt Doc Plus Home Loan

The Platinum Specialist Alt Doc Plus Home Loan gives borrowers who are not able to provide verification of their income and who do not fit within the mainstream lending guidelines the chance to obtain finance.