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Apply Online Specialist Commercial
The Specialist Commercial Loan is a flexible loan with a maximum LVR of 75% and ideally suited to PAYG / Self Employed investors or owner occupiers who have some credit impairment and may be unable to provide full 2 years Tax Returns and Financials, or who have been Self Employed in their current business for less than 2 years and require a ‘set and forget’ loan facility.
Either Fully Verified income or Declared Income (supported by Accountant Letter or 6 months business trading statements or 2 most recent BAS statements) options are available.
Some product highlights include:
- Self employed or PAYG borrowers
- Loan terms 15-30 years
- Interest Only up to 5 years
- No annual reviews or valuations
- Annual admin fee 0.1% of loan amount
- Redraw available
- Maximum loan amount $1.5m
- LVR based upon Real Estate value only
- Purchase or refinance of existing dwellings (no vacant land or construction)
- Cash out acceptable at Underwriter discretion
- Defaults under $1k, registered over 2 years ago and a maximum of 5 other Veda credit impairments are acceptable with a suitable explanation
- Late repayments up to 30 days acceptable
- Minimum Self Employed period 12 months
- Category 1 locations only
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