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T: 02 9299 1144
Competitive, flexible and tailored solutions for complex home loan scenarios
Residential & Alternative Home Loans
At AAA Money, we provide residential and unique borrower home loans designed to help clients when traditional lenders can’t easily approve them.
Whether you’re self-employed, have complex income, need flexible documentation, or need higher cash-out and credit consolidation options, we’ve got flexible financing solutions to meet your needs.
Our Residential Loan Options
We work with a panel of wholesale and alternative lenders to offer flexible solutions for:
Standard Residential Loans
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Competitive rates from variable pricing
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LVR (Loan to Value Ratio) up to 95%
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Unlimited cash-out up to 85% LVR
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Suitable for owner-occupied and investment properties
Lite Doc & Alternative Documentation Loans
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Flexible documentation accepted (Accountant’s Letter, BAS, bank statements)
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Companies, trusts and complex structures accepted
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Interest-only terms up to 5 years
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30-year terms available
Unique Borrower Products
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Impaired credit history and arrears considered
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Unlimited debt consolidation (personal & business)
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Unlimited tax debt payout options
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No traditional credit scoring
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Long-term investment loan options up to 40 years
How Our Home Loans Can Help You
AAA Money have a variety of products that cater to self-employed/small business owner borrowers
Our residential products empower you to:
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Buy your next property faster
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Refinance existing debts with cash-out options
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Consolidate personal and business loans
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Access solutions when banks decline or restrict lending
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Secure finance for investment, owner-occupier or SMSF purpose
Borrowers outside traditional guidelines?
WE'VE GOT YOU COVERED
Our latest range of products have competitive rates and cater to borrowers who may fall outside of traditional lending guidelines.
We know many Australians have had their finances disrupted in the last 12 months, so our products have been designed to help these borrowers or those that may have a form of previous credit impairment.
This is a great time to reach out for your customers at a time when it can make a real and significant difference.
Get in touch with our team to talk through a scenario.
What about 'Alt Doc Loans'?
As a self-employed person, you may have heard of “lite doc loans”, where lenders look at a different set of financial measures to assess your application. View them as fewer documents required than a bank loan.
The fact is, Low Doc or Alt Doc loans are becoming less common due to responsible lending requirements, which call for your lender to be sure you can comfortably handle your loan repayments.
That said, the alt doc route is fantastic for business owners, who often like the benefits of a bank loan and like results quickly.
For more complex situations, you can also submit a loan scenario for indicative review.