We know everyone’s circumstances are different.

Go Flexi is designed to provide a flexible approach when assessing an application; helping borrowers who don’t fit a regular bank’s assessment mold.

Go Flexi provides a personalised approach to your loan application. We take the time to understand your individual circumstances and help you find a loan that suits your needs.

So if you’re self-employed, have had issues with credit history, or earn income that doesn’t tick the bank’s standard boxes, turn a no into go - with Go Flexi.

Prime

A simple home loan for borrowers with a clear credit history.

  • Non-genuine savings accepted up to 90% LVR, or a minimum of 5% genuine savings is required
  • Cash out available up to 90% LVR
  • Paid defaults up to $500 may be considered
  • No third party Lenders Mortgage Insurance (LMI) approval required
  • Up to four debts can be consolidated

Near Prime

A balanced home loan for borrowers who haven’t had a credit problem in the last 2 years.

  • Non-genuine savings accepted
  • Cash out available for acceptable purposes including business use and ATO debt payout
  • No restrictions on length of employment for PAYG borrowers
  • Discharged from bankruptcy by 1 day considered
  • Unlimited debt consolidation

Specialist

A real home loan for borrowers whose circumstances have made getting a loan challenging.

  • Non-genuine savings accepted
  • Defaults registered less than 12 months ago
  • Mortgage arrears within the last 6 months accepted
  • Alternative income verification available with 6 month ABN registration & 6 month GST registration.
  • Discharged from bankruptcy by 1 day considered
  • Unlimited debt consolidation

Home Loan Quick Guide

General Purpose

We can offer a home loan solution for any of the following purposes.

  • Purchase or refinance
  • First home owners
  • Owner occupied and investment properties
  • Vacant land
  • LVRs up to 95%
  • Minimum 5% deposit for LVRs greater than 90% (inclusive of fees)
  • Loan amounts up to $2.5m

Cash out

  • For personal use
  • For business purposes

Debt consolidation

  • Consolidate unlimited number of debts
  • Payout of ATO debt
  • Pay out private or solicitor debts solicitor debts

Credit Impairment

We may consider clients with any of the below:

  • Clients with past defaults (paid or unpaid)
  • Part IX or X debt agreements
  • Discharged bankrupt (one day)
  • Unlimited mortgage arrears (within last 6 months)
  • Refused credit from their bank or another lender

"Outside the Box"

We may consider clients who are:

  • Newly employed (after probation is met)
  • Self-employed (6 months ABN accepted)
  • Tax returns not completed (alternative income documentation accepted)
  • Failed to meet Lenders Mortgage Insurance requirements
  • Have ‘non genuine savings’
  • Require 40 year loan term

Our approach:

  • No third party LMI approval required
  • Manual assessment of each application

Acceptable Income

We will accept income to validate servicing from any of the following sources.

  • PAYG income
  • Self Employed Income
  • Full time / part time / casual / second job
  • 80% rental income
  • Family payments – Part A and B
  • Child support
  • Centrelink income
  • Pension
  • Workers compensation
  • Income protection
  • Car allowance / Company vehicle
  • Superannuation

Commercial Quick Guide

Product Features

We can offer commercial solutions with the following product features.

  • Full and alternate documentation
  • 1 year Near Prime full documentation option1
  • Redraw facility
  • 100% interest offset sub-account available
  • Ability to split loans accounts
  • Additional payments permitted
  • Flexible cash out options

 

Policy Features

We can offer commercial solutions with the following credit policy features.

  • Commercial secured loans up to $3,000,0002
  • Up to 75% LVR3
  • Terms of 1 – 30 years
  • Debt consolidation, including tax debt
  • Credit history impairments considered, including director defaults4
  • Interest Only and Principal & Interest5
  • One credit sign-off for residential and commercial applications
  • Category 1 and 2 locations
  • Annual reviews not required in all cases

 

Acceptable Securities

We will accept the following as security for commercial lending.

  • Boarding houses
  • Industrial units
  • Medical suites
  • Mixed residential and commercial use
  • Residential securities
  • Shop fronts/retail
  • Showrooms
  • Strata office
  • Vacant industrial land6
  • Warehouses

1 Additional lending limits apply

2 Funded on variable rate.

3 Amounts stated will differ based on Prime or Near Prime and whether the application is full or alternative documentation.

4 Impairment acceptability limits and time frames apply, depending on product, and whether the application is full or alternative documentation.

5 Maximum 5 years Interest Only followed by Principal and Interest. 6 Only considered if provided with other security.