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

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Fixed Loan

• Your interest rate will not change during the fixed period

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

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Outside the Box

• Complex investment loans

• wholesale interest rates

• Consutrction and renovation loans

• Debt consolidaiton

• Self employed financing

• Wholesale refinancing 

• SMSFs

• Self employed and small business owners

What about Lo 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.

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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.

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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. 

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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).​

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