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Optima Lo Doc home loan

The Optima Lo Doc Home Loan is a fully featured loan for self-employed borrowers who aren’t able to disclose their income.

Borrower type
  • Individuals
  • Companies
  • Trusts 
Loan purpose
  • Purchase of owner occupied and investment properties
  • Debt consolidation
  • Construction
  • Vacant land
Loan term 5 - 30 years
Deposit requirements Borrow up to 80% of the purchase price
Rate type
  • fixed and variable
Repayment type
  • Principal & interest
  • Interest only
Repayment options
  • Salary credit
  • BPAY
  • Direct debit
Repayment frequency
  • Weekly
  • Fortnightly
  • Monthly
Pro Pack option available Yes. 0.10% rate discount available for an annual fee of $330
Ongoing fees No (Unless Pro Pack option is selected. Then annual fee of $330 applies)
Features
  • Additional repayments*
  • Loan portability
  • Internet and phone banking
  • Redraw*
  • Split rate
  • Split product with Lo Doc LOC

®BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518    * Not available during fixed rate period
All applications are subject to normal lending criteria, fees and charges may apply.

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