Home Loan

Home Home Loan

At Vision Lending Solutions, we help you find the right home loan based on your individual circumstances. Whether you are a first home buyer, property investor, or self-employed, we deliver the right solution for you and make the process simple.

Full-Doc Loan (PAYG or Self-Employed)

This is the most common loan type, ideal for borrowers who can provide standard income documentation.

  • For PAYG Borrowers: You need to provide most recent 2 payslips and 3 months of bank statement to verify income and expenses.
  • For Self-Employed Borrowers: You need to provide most recent 2 years of company tax returns accompanying financial statements and personal tax returns.

Some lenders offer flexibility options, such as accepting short-term employment for PAYG borrowers or assessing self-employed income based on the most recent financial year.

Low-Doc/Alt-Doc Loan (Self-Employed)

Low-doc or alt-doc loan products are perfect for self-employed clients who can provide limited financial records. These loans offer greater flexibility in documentation and may allow you to borrow more than traditional full-doc loans.

Accepted documentation may include:

  • An accountant’s letter confirming your income
  • Recent Business Activity Statements (BAS)
  • Business bank statements

Rather than assessing net profit, lenders estimate your income by applying a percentage (typically around 40%) to your gross business revenue.

Please note: While these loans offer more flexibility and potentially higher borrowing capacity, interest rates are generally 1-2% higher than standard full-doc loan products.

Bridging Loan

If you are buying a new home before your current one is sold or if your sale has not yet settled, bridging loan can help cover the gap. This short-term loan allows you to proceed with your next property purchase before the sale of your existing home is complete and settled. Lenders normally offer flexible repayment terms during the transition period.

Construction Loan

Building your dream home? Whether you are buying land to build or doing a knockdown-rebuild, we can help you secure the right construction finance to bring your vision to life. The key features of construction loan are:

  • Property is valued based on the completed build
  • Interest-only during construction
  • Funds released to builder in stages
  • Loan converted to a standard variable loan upon construction is complete

SMSF Loan

A Self-Managed Super Fund (SMSF) loan allows your fund to borrow money to invest in property. Key features of SMSF property loan are:

  • Typically available only to SMSFs with a corporate trustee structure
  • Must be non-recourse, meaning the lender’s rights are limited to the secured property
  • A custodian (bare) trust must be established to hold the property on behalf of SMSF

What We Can Do for You:

  • Assess your financial position and borrowing capacity

  • Recommend suitable loan products from a wide panel of lenders

  • Explain loan features, fees and structures in clear and simple terms

  • Negotiate interest rate discounts with lenders based on your loan amount and loan-to-value ratio (LVR)

  • Handle all paperwork and submit the application on your behalf

  • Liaise with lenders, real estate agents and solicitors to streamline the process

  • Provide guidance from pre-approval to settlement and beyond

  • Provide ongoing home loan maintenance for the life of your loan, including regular reviews and repricing assistance