Owner Builder

TY Effortless Full Doc – Competitive Construction loans now available

Variable Rate From
p.a.
Principal & Interest
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Loan Features & Niches

Competitive construction loan options for eligible owner builder scenarios, including high-density projects and selected NDIS construction scenarios.

Loan Features

  • Loan purpose Purchase / Refinance
  • Property purpose Construction
  • Suitable borrowers PAYG / Self-employed
  • Repayment type P&I / IO up to 5 yrs
  • Rate type Variable Rate
  • Loan size $50k – $3.5M
  • Maximum LVR 90% Residential / 75% Commercial
  • Loan term Up to 30 years
  • Security Apartments / Townhouses / Houses

Niches

  • Owner builder construction loans.
  • Construction scenarios accepted.
  • Borrow up to 95% of the property value.
  • Loan amount up to $3,500,000.
  • NDIS construction options.
  • Up to 80% of assessable rental income.
  • 12 months maximum interest only.
  • No loading applies for interest only.
  • Purchase scenarios.
  • Refinance scenarios.
  • Equity release scenarios.
  • Salaried employee applicants.
  • Self-employed applicants.
  • Principal and interest repayments.
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

Construction

Borrow up to 95% of the property value

Loan Amount up to $3,500,000

High Density Accepted

NDIS Construction

Up to 80% of assessable rental income

12 months maximum Interest Only

No loading applies for Interest Only

Loan Details

Loan purpose:

Purchase

Refinance

Equity Release

Suitable borrowers
Salaried Employees (Full Doc)

Self-employed

Repayment types

Principal and interest

Max 5 yrs IO (Alt Doc)

Interest rate types
Variable rate
Loan size

Min $50,000

Max $1.5M (Full Doc)

Max $2.5M (Full Doc)

Maximum LVR

≤90% (Residential)

≤75% (Commerical)

Max Loan Term

Up to 30 years

Acceptable security
Apartments

Townhouses

Houses

Submit Scenario

Initial Scenario Submission

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