Basic or Discount Loan
With discounted interest rate, Basic or Discount loans offer lower interest rates with less features comparing to Standard loans. Depending on your situation, you may choose Basic loans to reduce the interest cost.

Introductory or Honey Moon Loan
These loans offer low interest rate in the beginning period of loan term and then revert to standard loan. The introductory period varies from 6 months to 3 years, some rates are capped and some are variable. It serves the borrowers who want to pay less interest in first years of loan term to minimize the commitment. There is usually a minimum loan term applied.

Line of Credit
Line of Credit is a loan account which changes loan account to day-to-day bank transaction account. It usually comes with a credit card or debit card and cheque/deposit books.

Low/No Doc Loan
Low/No Doc Loans are for borrowers who do not provide income proof documents (Payslips). Normally ABN is required for low/no doc loans. Borrower can be self-employed or PAYG. Some lenders allow low doc loan reverting to full doc loans after some conditions are satisfied.

Non-Conforming Loan
Non-Conforming Loans are for borrowers who have some issues in credit history. The interest rates are usually higher for non-conforming loans. Most borrowers use non-conforming loans as interim solution before they can obtain main