LOW DOC INVESTMENT HOME LOAN

An option for self-employed free thinkers, our low doc investment loans can help you keep up with your plans.

Alternative income verification for investors

Ideal for property investors who are self-employed, our low doc investment loan has alternative income verification and flexibility.

  • Flexible income verification

  • Borrow up to 85% of purchase price#

  • Borrow up to $3M**

  • Rates from 7.49% p.a.# (7.75% p.a. comparison rate*)

Easy to understand features, variables and fees

Features

Maximum LVR 85% ✅

Maximum loan amount** $3,000,000

Minimum loan amount $250,000

Principal and interest ✅

Interest only*** ✅

Free online redraw ✅

BPAY ✅

Third party account transfers ✅

Split loans**** ✅

100% offset facility with Visa Debit card## ✅

Additional repayments ✅

Repay weekly, fortnightly, monthly ✅

Fixed rate options ⊖

Professional investors### ✅

Fees

Application fee ✅

Valuation fee^^ ✅

Settlement fee ✅

Ongoing fee (annual) ✅

Online redraw fee ✅

Manual redraw fee ✅

Discharge fee ✅

Professional investor fee ✅

Loan Variables***

Start-up or established business ✅

Cash for working capital ✅

Debt consolidation ✅

Credit impairment ✅

Things you should know:

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please email us at info@modelcapitalsolutions.com for more details.

*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Subject to LVR and postcode restrictions.

***Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us at info@modelcapitalsolutions.com.

****$0 for loans with ≤ 4 splits. Additional fee applies for loans with > 4 splits.

##Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan. Model Capital Solutions is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in United States when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM while overseas or in United States.

###Interest rate loadings and application fee apply for company/trust or professional investor (applicants with ≥4 properties).

^Other fees and charges may apply. Contact us at info@modelcapitalsolutions.com for more information on fees and charges.

^^Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, where the security property is in a regional location or for additional securities.

+++Subject to LVR restrictions. Not all features listed may be available. Additional fees and charges may apply.

Frequently asked questions

  • A low doc investment loan is a more flexible solution for customers who might be self-employed, contractors or freelancers, and don’t have the latest financial statements or tax returns needed for a traditional loan application. Model Capital Solutions offers options for alternative verification to help more people get financial with low doc loans. To find out more, Please email us at info@modelcapitalsolutions.com for more details, and one of our Loan Advisers will get back to you about your situation to find a lending solution that best suits you.

  • At Model Capital Solutions, we look at things differently, with solutions for all kinds of borrowers. We offer loans designed specifically for self-employed borrowers. Whether you’re looking for alternative ways to verify your income or greater flexibility around borrowing to expand your investment portfolio, Model Capital Solutions has out-of-the-box solutions to keep up with your ideas.

  • While you don’t have to provide all the usual documentation like you would on a standard home loan, there are still some documents that lenders typically require for low doc investment loans. Model Capital Solutions provides a range of loan options for self-employed customers with varying levels of verification.

    For a self-employed worker applying for a low doc investment loan secured by residential property, we can look at alternative documentation such as bank statements, BAS statements, or a completed accountant’s declaration. To learn more, Please email us at info@modelcapitalsolutions.com and one of our Loan Advisers will get back to you about your circumstances.

  • Model Capital Solutions provides a range of home loans for self-employed borrowers. Depending on your credit history and amount you wish to borrow, the deposit will vary from customer to customer.

    To find out more, Please email us at info@modelcapitalsolutions.com and one of our Loan Advisers will get back to you about your situation to find a lending solution that best suits you.

  • A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To fine out more about target market determination for available product offers. Please email us at info@modelcapitalsolutions.com for more details.

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Wherever you are in your journey, help is here however you need it.