Full & Alt Doc Residential Loans

TY Diamond – Competitive home loans for PAYG and self-employed borrowers
TY Gold – High-quality product for Self-employed borrowers
TY Effortless –Flexible home loan options for PAYG and self-employed borrowers.
Variable Rate From
p.a.
Principal & Interest
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Loan Features & Niches

Flexible residential lending options designed to support different borrower profiles, loan purposes and property scenarios.

Loan Features

  • Loan purpose Purchase / Refinance
  • Property purpose Owner Occupied / Investment
  • Suitable borrowers PAYG / Self-employed
  • Repayment type P&I / IO up to 5 yrs
  • Rate type Variable / Fixed Premium
  • Loan size $100k – $3.5M
  • Alt Doc loan size Up to $2M
  • Maximum LVR 85% Full Doc / 80% Alt Doc
  • Loan term Up to 40 years
  • Security Apartments / Townhouses / Houses

Niches

  • Owner occupied lending.
  • Investment property lending.
  • Purchase scenarios.
  • Refinance scenarios.
  • Full Doc salaried employees.
  • Alt Doc self-employed borrowers.
  • P&I repayment structure.
  • Interest only up to 5 years.
  • Variable rate options.
  • Fixed rate premium for Alt Doc.
  • ≤85% No LMI Full Doc.
  • ≤80% Alt Doc.
  • Apartments accepted.
  • Townhouses accepted.
  • Houses accepted.
Available Products

Loan Products

Explore TY Money lending products designed for residential, non-resident, SMSF, expat, construction and vacant land scenarios.

Australia Resident

TY Diamond / Gold / Effortless

Full & Alt Doc Residential Loans for PAYG and self-employed borrowers.

6.23% p.a.
Variable rate from
Loan Size $100k – $3.5M
Max LVR 85% / 80%
  • Purchase, refinance and equity release
  • Full Doc and Alt Doc pathways
  • PAYG and self-employed borrowers
Learn More
Non-Resident

TY Silver Non-Resident

Competitive home loans for non-residents of Australia.

7.49% p.a.
Variable rate from
Loan Size From $50k
Term Up to 30 yrs
  • Owner occupied or investment property
  • PAYG and self-employed borrowers
  • Purchase, refinance and equity release
Learn More
SMSF

TY Effortless SMSF

Residential SMSF loan options for salaried and self-employed borrowers.

6.69% p.a.
Variable rate from
Residential Up to 90%
Commercial Up to 75%
  • New or established SMSF
  • $0 offset loading
  • No mortgage insurance
Learn More
Expat

TY Silver Expat

Home loans for Australian residents with foreign income or temporary residents.

6.64% p.a.
Variable rate from
Loan Amount Up to $3M
Borrow Up to 85%
  • Temporary, permanent or citizens
  • PAYG, Full Doc and Alt Doc
  • Buying or investing scenarios
Learn More
Construction

TY Effortless Owner Builder

Competitive construction loans for eligible owner builder scenarios.

6.69% p.a.
Variable rate from
Construction Up to 95%
Loan Amount Up to $3.5M
  • High density accepted
  • NDIS construction options
  • Interest only options available
Learn More
Vacant Land

TY Infinity Vacant Land

Competitive lending options available for vacant land scenarios.

7.74% p.a.
Variable rate from
Loan Size Up to $5M
Max LVR ≤75%
  • Purchase, refinance and equity release
  • Full Doc and Alt Doc options
  • Up to 30 years loan term
Learn More

Loan Details

Loan purpose:
Owner occupied or investment property:

Purchase

Refinance

Equity Release

Suitable borrowers
Salaried Employees (Full Doc)

Self-employed

Repayment types

Principal and interest

Max 5 yrs IO

Interest rate types
Variable rate

Up to 5 yrs Fixed rate premium (Alt Doc)

Loan size

Min $100,000

Max $3.5M (Full Doc)

Max $2M (Alt Doc)

Maximum LVR

≤85% (No LMI) (Full Doc)

≤80% (Alt Doc)

Max Loan Term

Up to 40 years

Acceptable security
Apartments

Townhouses

Houses

TY Diamond Full Doc

Up to 85% LVR (No LMI)

Interest Only (Up to 5 years)

100% Offset Available

TY Gold Alt Doc

Confirmation within 48 hours

Loan Amount up to $2,000,000

100% Offset Available

Submit Scenario

Initial Scenario Submission

Send us your basic scenario details and our team will review your enquiry.