Owner-occupied or Investment

From 6.99% variable rate & 7.25% comparison rate

Residential – Our Owner-Occupied and Investment Loans are tailored to meet your unique needs, offering flexible options designed specifically for you. Benefit from a free redraw facility and the ability to access cash for personal, business, or investment purposes. These loans are available to borrowers who can provide full income verification. At Scottie Financial, we strive to make home ownership and property investment both accessible and convenient for you.

Key Benefits

Personalised to you

Our residential loans are crafted to meet the needs of Australians, offering both flexibility and convenience.

Complimentary Redraw Facility

Utilize a free redraw facility to easily manage personal, business, or investment needs.

Verification of Income

Accessible and convenient, these loans are open to borrowers who can provide comprehensive income verification.

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^: 6.99%

Comparison Rate*: 7.25%

Security Type: Residential security

Loan Purpose: Any worthwhile purpose (incl. cash out)

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), $5,000,000 (75% LVR), $2,000,000 (80% LVR)

Maximum LVR: 95%

Lenders Mortgage Insurance Required: >80%

Maximum Loan Term: 30 Years

Repayment Type: Principal & Interest

Maximum Interest Only Term: 5 Years reverting to P&I (+0.40% p.a. loading to interest rate)

Interest Rate Type: Variable

Redraw Available: Yes^

Application Fee (Excl. Val. & Legal Fees): from $995

Risk Fee: $0

Additional Repayments: Yes

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.