Full Doc

From 7.99% variable rate

Commercial – Our Commercial Full Doc loan product provides flexible financing options for both PAYG and self-employed borrowers who can fully verify their income. This verification process may include pay slips for PAYG employees or documentation for self-employed individuals. Whether you're a salaried employee or manage your own business, our lending solution is designed to offer the financial support tailored to your specific situation.

Key Benefits

Adaptable Funding

Commercial Full Doc provides versatile lending solutions for both PAYG and self-employed borrowers.

Income Confirmation

The product facilitates income verification through either pay slips or self-employed financial documents.

Customised Support

Our loans are tailored to address the distinctive financial requirements of both PAYG and self-employed borrowers, regardless of whether they are salaried employees or business proprietors.

Full Doc

Our Owner-Occupied or Investment Full Doc loan is accessible to both employed and self-employed borrowers who can provide comprehensive income verification.

Current Rate^: 7.99%

Comparison Rate*: n/a

Security Type: Commercial security

Loan Purpose: Purchase or refinance commercial property including retail shops, offices, light industrial, and warehouses.

Verification Required: Last 2 pay slips and employment reference or last 2 years financials

Personal or Business/Investment Purposes: Both

Minimum Loan Amount: $100,000

Maximum Loan Amount: $25,000,000 (70% LVR), $3,000,000 (75% LVR)

Maximum LVR: 95%

Lenders Mortgage Insurance Required: No

Maximum Loan Term: 30 Years

Repayment Type: Principal & Interest Only

Maximum Interest Only Term: 5 Years

Interest Rate Type: Variable

Redraw Available: Yes^

Application Fee (Excl. Val. & Legal Fees): from 1.25% of the loan amount

Risk Fee: $0

Additional Repayments: No

Let's Get Lending From The Expert

We Are Here To Help

Scottie Financial was established because a much better way of delivering Australian specialist lending is available and overdue.
More than ever, brokers and borrowers need a specialist lending partner able to bring them:

✔️ A comprehensive and flexible product range

✔️ Competitive rates with no ongoing fees
✔️ Comprehensive digital operations, delivering faster and simpler approvals across all loans every time

✔️ A highly experienced Credit team equipped to deliver high quality service and results to all business partners.

Contact Us

Target Market Determination

Complaints

Level 17, Angel Place, 123 Pitt Street, Sydney, NSW 2000

* Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments. 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. The interest rate quoted is effective 4th December 2023, the actual interest rate applicable will depend on our assessment criteria. Terms, conditions, fees, charges and Scottie Financial lending criteria apply.