RedZed are self-employed specialists and the principal sponsor of the Melbourne Storm. They have a friendly Accountant’s Declaration and use common sense with assessment and exit strategies.
Key Features
- Good Vacant Land Rates & LVR’s
- 80% Altdoc – No Risk Fee – 30 year terms.
- Unlimited Cash Out – Form required >$500k
- No Credit Scoring or CCR.
- Diminishing Clawback @ 4.16% per month
- Quick Processing.
- Got a DA? No problem.
- ATO debts OK on SE Prime – unlimited.
- No Early Repayment Fee on Company Loans (resi securities)
- Altdoc & Full Doc SMSF Loans
- No ETF on SMSF Loans (resi or commercial)
- No Clawback on SMSF Loans (resi or commercial)
Our Purple range has a maximum 80% LVR and caters for Altdoc, Full Doc and SMSF for residential securities in a wide range of locations across Australia. The $5m AltDoc and 80% Altdoc Construction loan are very popular.
Key Features
- 80% Altdoc Construction, 80% for NDIS.
- No Credit Scoring or CCR.
- No Risk Fee – No Clawbacks.
- Common Sense Assessment.
- ATO debts are not an impairment.
- Council rates arrears are not an impairment.
- Credit impairments including Life events (e.g. lost job, accident, illness, divorce).
- Commission paid on Peak Debt Relocation loans (Bridging)
Our Ocean range has a maximum 80% LVR and caters for Altdoc, Full Doc and SMSF for Residential Securities in Category 1 or 2 locations. These products have the fastest processing times.
Key Features
- 80% LVR – 30 year terms.
- No Risk Fees and No Clawback.
- No monthly or annual fees.
- ATO & Business Debts can be refinanced on Emerald loans.
- Resi securities with DA accepted.
- Quick processing times.
- Commission paid on Peak Debt (Bridging)
Our Green range has a maximum 90% LVR incl LMI (OO & INV) and caters for clean credit Full Doc Residential loans that meet the Helia lending guidelines. Residential SMSF available to 80% LVR. Altdoc loans are also available to 80%.
Key Features
- Common sense Exit Strategies
- Resi SMSF services inside & outside the fund.
- Extensive Postcode coverage.
- Can use Directors’ salaries only for servicing (conditions apply).
Cabernet offers a competitive range of full doc loans with variable and fixed rates for owner occupied and investors. The construction and SMSF loans are very popular with the latter offering a 100% Offset facility.
Key Features
- 100% Offset optional – Var or Fixed.
- Full Doc Loans to 90% incl LMI – Non Gen.
- Construction Loans to 90% incl LMI – Var or Fixed
- SMSF to 90% with 100% Offset (optional)
- Security determines the rate – not the purpose.
- Units from 40 sqm (living area).
- Family Trusts or Unit Trusts
- NDIS to 80% LVR (standard & SMSF)
- NAF Option: Avoid annual fees by paying extra 0.10% on loan rate (excl construction & SMSF)
The Vacant Land Loan offers you an easy way to purchase or refinance vacant land as the sole security, without the need to build on the land within a specified period.
Self Managed Super Fund loans are available to 80% LVR for both owner-Occupied or Investment commercial properties with terms up to 30 years.
The Relocation Loan with $Nil End Debt offers you an easy way to purchase or build a new home, before you have sold your existing home. The 2 year term gives extra time to update the existing property (if required) without the stress. No servicing required – must include a purchase.
Our range of full documentation loans caters for clean and impaired credit, ATO debts, business debts, cash out, consolidations, Expats, equity release and refinances.
We offer residential construction loans to 80% LVR for houses and duplexes for both Altdoc or Full Doc clients.
