Loans for self employed

Owning your own business can be a dream come true, but there can still be bumps along the way.

Our Low Documentation Home Loan (Low Doc) service has been created for you, our self-employed customers and small business owners, who need to provide alternative paperwork as evidence of income.

Standard Variable Rate Home Loan

Our Low Doc Standard Variable Rate Home Loan offers you all the same features as our Standard Variable Rate Home Loan, including repayment redraw.

You also benefit from flexible repayment arrangements, including the ability to make extra repayments, take a Repayment Holiday and access to 100% offset benefits with our Mortgage Interest Saver Account (MISA).

Base Variable Rate Home Loan (Economiser)

Our Low Doc Economiser Home Loan offers a low Base Variable Rate with added flexibility, such as unlimited extra repayments and redraw.

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Line of Credit (Viridian)

Our Viridian Line of Credit gives you access to your equity whenever you need it (up to your available credit limit). So, if another investment opportunity comes your way, you’ll have the freedom and the funds at hand.

With a Low Doc Viridian Line of Credit you get all the same features as our Viridian line of credit. It’s a convenient, all-in-one account. As an added benefit you also have the ability to draw down when you need to (up to your available credit and daily card limits) based on your business cash flow.

Wealth Package

You can save up to 0.70% p.a. on the Standard Variable Rate and Viridian Line of Credit Low Doc Loans within Wealth Package. You can also receive a 0.15% p.a. saving on Fixed Rate Low Doc Loans within Wealth Package.

Unfortunately you won’t be able to apply for Wealth Package if you need to borrow more than 60% of the value of the property, as determined by our valuation, not the purchase price.

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Talk to an expert

To find out which loan best suits your needs, email one of our home loan experts to arrange an appointment, locate an expert or branch near you or call 13 2224.

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Important information
Applications for finance are subject to the Bank’s normal credit approval including a valuation if applicable. Full terms and conditions are included in the Loan Offer. Fees and charges are payable. An annual fee and eligibility criteria applies to Wealth Package and terms and conditions are available on application.

Low Docs are not available on 1 Year Guaranteed Rate, 12 Month Discounted Variable Rate, No Fee Variable Rate, 3 Year Special Economiser or Equity Unlock Loan for Seniors.