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AAA Money Residential Loans

Loans that Work For You

AAA Money have a variety of products that cater to self-employed/small business owner borrowers

Standard Variable

  • Make extra repayments to pay off your loan faster

  • Redraw your extra repayments, or use an offset account

  • Interest only, or principal and interest

Fixed Loan

  • Your interest rate will not change during the fixed period

  • Choose from 1-5 years or 10 year fixed rate terms

Outside the Box

  • Complex investment loans

  • Wholesale interest rates

  • Construction and renovation loans

  • Debt consolidation

  • Self employed financing

  • Wholesale refinancing 

  • SMSFs

  • Self employed and small business owners

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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 out team to talk through a scenario: 

What about Low Doc Loans?

As a self-employed person, you may have heard of “low doc loans”, where lenders look at a different set of financial measures to assess your application.

The fact is, low 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 low doc route can be helpful for particularly a start-up business that is unable to present two years' worth of financials. 

The downsides of low doc loans include the following:

  • Not all lenders offer them 

  • They often incur a higher interest rate

  • You may be asked to provide a larger deposit (compared to a traditional home loan)

Eligibility: Self-Employed

Loan Amount: $2,500,000

LVR: 85%

Interest Only Option: 1-5 years

Alt Doc Income Requirements: Accountant letter; or 6 months BAS; or 3 months Business bank statements