ResidentialLoans
Lending Solutions
Struggling to get approved for a home loan?
We specialise in complex cases.
Whether you’re a self-employed borrower seeking a home loan, a business owner needing commercial finance, or a broker looking to partner with us, our team is ready to assist.
About residential loans
Our residential loan options include self-employed home loans, small business owner home loans and flexible lender options for investors seeking investment property loans. We specialise in helping borrowers who don’t fit the standard lending criteria.
Loan purposes
Purchase
Get into your next property with confidence.
Refinance
Unlock better rates, more equity or improved terms.
Debt consolidation
Simplify your finances with one clear solution.
Cash-out
Unlock equity for investments, renovations or your next move.
Loan details
Clear, straightforward details to guide your decision.
Full doc
- Maximum loan amount
- Up to$5,000,000
- Maximum LVR
- Up to95%
- Loan term
- Up to40 years
- Minimum loan amount
- $100,000
The loan
- Security type
Residential
- Loan purpose
Purchase, refinance, debt consolidation, cash-out
Verification required
- Income type
- PAYG: 2 most recent payslips and payment summary.
- Self-employed: 2 years tax return, 2 years financials and 2 years NOA.
- Alternate option, ABN > 2 years, > 1 year GST registered and credit score > 700: 1 year tax returns and financials with accountant letter or NOA.
Repayments
- Repayment type
P&I (interest only up to 5 years considered)
- Redraw available
Yes
- Offset available
Yes
- Additional repayments
Yes
Fees
- Application fee
From $550
- Risk fee
$0
Alt doc
- Maximum loan amount
- Up to$3,500,000
- Maximum LVR
- Up to90%
- Loan term
- Up to30 years
- Minimum loan amount
- $100,000
The loan
- Security type
Residential
- Loan purpose
Purchase, refinance, cash-out
Verification required
- Income type
Self-employed income declaration form plus accountant letter, BAS or business bank statements
Repayments
- Repayment type
P&I (interest only up to 5 years considered)
Fees
- Application fee
From $550
- Risk fee
From 0.50% – 2.00%
Benchmark figures are indicative only and are based on a range of comparable lending scenarios. Individual benchmark metrics are assessed independently and may not be available concurrently in the same lending scenario. Variations in assessment criteria and lender policy may influence how these benchmarks apply in individual circumstances.
Our approach
No two situations are the same, we tailor loan options to fit yours.
Buy with a smaller deposit
Get into the market with as little as a 5% deposit.
Real income consideration
We look beyond tax returns to understand how you actually earn.
Flexible documentation
Use one year of financials or alternative documents where eligible.
No long savings history
Options may be available even without consistent savings records.
Reduce extra costs
Avoid additional fees if you have a larger deposit.
Overseas income considered
You may still qualify using income earned outside Australia.
Client stories
Head officeDrummoyneNSW, Senior Relationship Manager Nick Stavroulakis
Sydney CBDNSW, Branch Manager Brooke Conlon
RydeNSW, Branch Manager Ryan Pham
CentralNSW, Branch Manager Stefanie Du
The HillsNSW, Branch Manager Lee Hillier
ParramattaNSW, Branch Manager Frances Isaac
CremorneNSW, Branch & Lending Manager Elena Gong
CamberwellVIC, Branch & Senior Lending Manager Vivi Jia
Melbourne South EastVIC, Branch Manager Niroshan (Upul) Madduma Arachchige
Brisbane SouthQLD, Branch Manager Tara Fox
Let’s start a conversation about your borrowing needs.
Whether you’re buying, building, renovating, or investing, FinSecure offers flexible lending solutions beyond traditional bank limitations.