These loans are designed specifically for Owner Occupiers and Investment clients who can fully veriify their income. You can be Full-time/Part-time or Self-employed people (with an ABN registered for 1 or 2 years or more). With this loan you can:

• Borrow from $50,000 up to $2.5 million, for a period of 15 to 30 years.
• Obtain up to 100% Loan to Value Ratio.
• Choose from a variable interest rate or a fixed rate for 1, 2, 3 or 5 years
• Repay your loan monthly, fortnightly or weekly including by direct debit
• Choose a Line of Credit facility (up to 90% Loan to Value Ratio) , including phone or internet, ATM and EFTPOS Access and monthly statements.
• Choose a Offset Account (up to 95% Loan to Value Ratio) , including phone or internet, ATM and EFTPOS Access and monthly statements.

This type of loan is ideal for people with full financials and who:

• May need to borrow money for debt consolidation, investment or personal purposes.
• Are able to fully verify their income.
• Have equity in their own home or a deposit.