SmartDoc

Our SmartDoc loans are designed with self-employed borrowers in mind. There’s no need to provide payslips or tax returns with your application, yet you still get the features you need, including a 100% offset account.

Ideal for

First home buyers

Investors

Refinancing

Upgraders and downsizers

Buying before selling

Construction

Fact sheet

Rates & fees

Top features

  • Rates

    Choose between a variable interest rate or a fixed rate between 1- 5 years.

  • Offset account

    Enjoy the benefits of a 100% offset account, even on a fixed rate!

  • Repayments

    Choose between Principal and Interest or Interest Only.

    Make extra repayments without penalty:

    • Variable rate - unlimited
    • Fixed rate - up to $20,000 per year.
  • Redraw

    It’s free to redraw online or via phone banking (minimum $500).

Ideal for

First home buyers

Investors

Refinancing

Upgraders and downsizers

Fact sheet

Rates & fees

Top features

  • No LMI

    There’s no need for Lenders Mortgage Insurance with this account (but you will need to pay a slightly higher interest rate than SmartDoc).

  • Repayments

    Choose between Principal and Interest or Interest Only.

    Make extra repayments without penalty:

    • Variable rate - unlimited
    • Fixed rate - up to $20,000 per year.
  • Redraw

    It’s free to redraw online or via phone banking (minimum $500).

Applying for a loan is easy.

You can get the help of an expert mortgage broker. Or apply with us direct.

Either way, we’re here to find the right loan to suit your needs.

What you’ll need to get started:

The amount you’d like to borrow (our borrowing calculator can help)

Your assets, including estimated values

Your liabilities, including credit limits

Your gross income

The approximate value of any property offered as security

Your deposit amount

The equity you have in your home.

Compare our loans

Compare our products side by side to see which one best suits your needs.