Secure Flexible Home Loans with Quick & Simple Requirements

Struggling to get approved by banks because as a self-employed you can’t provide all the traditional paperwork they require? Tell us your story, and we’ll find the right loan solution that fits your needs with minimal documentation.

Interest rate from

6.49% p.a.

Comparison Rate

6.79% p.a.

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Have traditional banks overlooked your financial goals? Join countless Australians who trust us for fast, tailored non-bank solutions, expert guidance, and quick approvals. Your unique journey deserves a lending partner who looks beyond standard criteria!

How We Can Help You

We understand that everyone’s situation is unique. That’s why we consider all aspects of your circumstances and connect you with one of our finance expert to find the right loan solution which requires minimal documentation. Explore the areas we specialise in and share your unique story with us – we’re here to help you achieve your homeownership goals.

As a self-employed/ freelancer you can’t provide the standard payslips/ PAYG records?
You changed jobs/ part-time/ casual work and can’t provide full employment history?
Your business has inconsistent income?
Your situation is time urgent and you don’t have time looking for the documents?

Why Choose Us

Easy Submission process with quick turnaround times
Tailored Loan Solutions that fit your needs
Expert Guidance
Widely trusted by Australian Home Owners and Investors
Multiple recognitions by the Industry

Australia's Home Owners And Investors Are Convinced

Couple Purchased Off-The-Plan Apartment with Flexible Income Servicing

FINSTREET's LaStreet SMSF Residential Loan

Mr. and Mrs. Thompson, both in their early 50s, are looking to purchase an off-the-plan apartment through their SMSF. Mr. Thompson is a self-employed consultant, while Mrs. Thompson works as a PAYG employee. They have a moderate SMSF balance but do not have significant liquidity available after settlement. Their goal is to maximise their borrowing capacity with a 70% LVR, while avoiding any additional liquidity requirements within the SMSF post-transaction.

In addition to their regular super contributions, they wishto find a lender that accepts both Mr. Thompson’s self-employed income and Mrs. Thompson’s PAYG income to increase their servicing capacity. For the self-employed income, they plan to provide an accounting letter as proof, rather than full financials.

Our team of experts found the perfect solution for him – FINSTREET’s LaStreet SMSF Residential loan product

Key Loan Features:

Accepts both PAYG and self-employed income for servicing
Allows off-the-plan property purchases
Maximum LVR of 80% for residential properties and 75% for commercial
No minimum balance required in SMSF
No liquidity requirements post-transaction
No maximum age for SMSF beneficiaries
Accepts properties in major-regional locations

Sales Director Refinances Existing SMSF Loan for a Lower Interest Rate

FINSTREET's BlackStreet Express Refi SMSF Loan

The applicant is a sales director at a Fortune 500 company, making him very busy and frequently on business trips. Therefore, he prefers a solution with fewer documentation requirements to save time.

The applicant wants to refinance his existing SMSF loan to secure a lower interest rate. He is looking for an option with a quick SLA.

Our team of experts found the perfect solution for him – FINSTREET’s BlackStreet Express Refi SMSF loan product.

Following documents required:

2 year of clear SMSF loan statements
12 months of rental statements or rental credits
Current rates notice for the security

Couple Gains Residential Investment Property with high LVR

FINSTREET's MoneyStreet SMSF Residential Loan

Mr. and Mrs. Smith, both in their early 50s, are looking to purchase a residential investment property through their SMSF. They have an SMSF balance of $300,000 and want to buy a $600,000 property.

To optimise their investment strategy, they are seeking to secure an 80% LVR loan ($480,000) within their SMSF, a competitive interest rate with a long-term structure and no liquidity or net asset testing.

Our team of experts found the perfect solution for them – FINSTREET’s MoneyStreet SMSF Residential loan product

Key Loan Features:

No Liquidity or Net Asset Testing
90% Rental Income
100% of Concessional Contributions
100% of Non-concessional contributions (voluntary) considered
100% of Deemed Income of other investments (4.35% deemed return, less tax)

A Self-Employed Business Owner purchases Investment Property depsite Location & Land Size Restrictions

FINSTREET's WellStreet SMSF Loan

Mr. Johnson, a self-employed business owner, is looking to purchase a 6 HA residential investment property within his SMSF. The property is located in a Category 3 locations. Despite having a strong SMSF balance and rental income, his application was declined by multiple funders due to land size restrictions and location risk.

He is looking for a loan with 80% LVR and $700k loan amount to maximise borrowing power. He seeks approval for his property location being in Category 3 and a larger land size.

He wishes a streamlined loan process with minimal compliance hurdles.

Our team of experts found the perfect solution for him – FINSTREET’s WellStreet SMSF Residential loan product

Key Loan Features:

Accepts properties up to 10HA in size
Allows security in Category 1- 3 locations
Up to 80% LVR with flexible loan terms
Serviced apartment, Heritage Listed Properties, High densities acceptable

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