Owner occupied or investment property purchases, re-financing existing residential or business loans

Loan Size

From $30,000 to $500,000 per security property


Up to 30 Years


Principal and Interest or Interest Only for 2,3,5 or 10 years and Line of Credit 15 Years.


Weekly, fortnightly or monthly. Extra repayments can be made on variable loans at any time

Convert To Fixed Rate

All or part of the loan can be converted to a fixed rate at any time at no cost (subject to maximum of 4 a/c)

Split Loan Facility

Up to 4 separate splits per facility. Transfer funds between splits using Inter Account Payment facility

Re-Draw Facility

Unlimited re-draw at no cost. Minimum re-draw $50 when using Loan Service Line or Loan Service Net for all variable rate loans

Pay Anyone

Payment can be made to any bank, building society or credit union directly from your loan using a valid BSB and account number (excludes credit cards). Max $5000 per day. Not available during a fixed rate period.

Maximum LVR

  • 65% for all loans

No Monthly administration or ongoing fees

Application Fee

$395 (includes GST)

Deferred Admin Fee

A Deferred Administration Fee of 1.20% of the initial loan principal amount is payable if the loan is fully discharged within five years of settlement

Security Discharge Administration Fee

A Security Discharge Administration Fee of $350 is payable upon full repayment and discharge of the loan.

Government & Bank Charges

For example, mortgage duty, registration fees and property searches

Legal fees & disbursements

Client will pay costs associated with their own legal fees and disbursements

Other Conditions
  • All repayments to be made by electronic direct debit
  • Lenders Mortgage Insurance is required for all loans. Premium is payable by AFIG Wholesale
  • No minimum net asset position required
  • No minimum self-employment period
  • Fastdoc Declaration to be signed by all borrowers/guarantors
  • Security to be located in all mainland capital cities
  • Break costs will apply to fixed rate loans if fixed rate period is being broken
  • 1st registered mortgage over residential property required as security on all loans

This fact sheet provides general information only – Full details of the loan are set our in the loan agreement – Conditions, fees & charges apply.