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Refinance now and drop your rate to 5.69% and own your home 7+ years sooner.
Self-employed Australians deserve mortgage rates that work harder. Break free from big bank constraints and take control of your financial future.
Lower your rate without changing your budget
Lending designed for the independent Australian business owner
No Tax Returns? No Problem. Best rates from 5.69% - No Proof of Income.
We understand that traditional paperwork doesn't define your financial strength. Our low-doc loans cut through red tape, recognising the true value of self-made entrepreneurs.
- Suitable for self-employed + non-traditional income
- Borrow up to 80% of property value.
- Flexible income verification
Ask us how we can get you the best available rate.
Refinancing options for every reason
Find the perfect refinance solution for your reason why.
Reduce your rate
Get a "better than big 4" rate with the leading low-doc retailer.
Reduce payments
Instantly reduce your payments by thousands of dollars.
Consolidate debt
Reduce your rate, reduce payments and add your debt.
Unlock equity
Refinance at a better rate, and unlock the equity in your home.
Our "no-proof" low-doc refinancing solutions have helped 1000's of businesses.
How we helped everyday, self-employed Australians beat a corporate lending system designed to make it easy for the banks and get a better deal.
Easy to understand features of our finance, fees and variables.
The features of our refinancing finance product for self-employed Australians
A low-doc refinance lets self-employed borrowers refinance with alternative income evidence (instead of full payslips and standard employment docs), while still aiming for sharp pricing and flexible features.
Owner-occupied P&I: from 5.69% p.a. or Investment P&I: from 5.99% p.a. Final pricing depends on your scenario (LVR, credit, documents, and lender policy).
Yes. Interest-only may be available, and this product indicates an interest-only loading of +0.65% p.a. (was +0.40% p.a.).
Forget the mountain of paperwork. We work with tax returns, bank statements, and accountant letters—not payslips you don't have. Most self-employed borrowers complete their application in under an hour.
This product includes a free valuation on some loans or a fee up to $275 incl. GST on others.
Often, yes. Cash-out may be available depending on the purpose, your equity, and lender rules.
This product includes a 100% offset account option.
Yes. This product allows split loans and redraw features.
Fees vary by lender and situation. This product sheet notes examples such as:
legals from $400, valuation as per quotation.
Need more information?
Our team understands self-employed lending inside and out
Refinance and cut your mortgage rate, term and payments
Get a free, no-obligation assessment that shows exactly how much you could save with our low-doc refinance option