Kath's Credit Crunch Friday 7th November
Go Flexi by LMG, powered by Pepper Money
New Policy Updates & Promotions
SMSF Lending
-
Product expansion to 90% LVR for residential Full Doc loans
-
NO LMI promotion for Residential Prime Full Doc loans
Commercial
-
Loan limit up to $2.5M for 80% LVR loans
-
Mixed-use securities up to 80% LVR (Alt Doc)
-
Boarding houses (<10 rooms) up to 80% LVR
-
Childcare centres up to 70% LVR
Residential
-
Genuine savings requirement removed (Prime)
-
High-density units now accepted up to 60% LVR and $1.5M loan size
-
No LMI up to 90% LVR for Owner-Occupied and Investment Full Doc Prime loans
NAB – Fast Track Secured Business Lending Update
Effective Monday, 3 November 2025
-
ATO Reports: Must now include a minimum 6-month transaction history, in addition to showing all ATO commitments are up to date.
-
BAS Income Validation: For self-declared or management-account income, provide 12 months of BAS (4 x quarterly BAS).
Providing this information upfront will ensure a faster outcome and smoother client experience.
Zeus Bolt – Streamlined Refi Policy Uplift 🚀
Brokers spoke, and LMG listened! Zeus Bolt is now available to all LMG brokers, regardless of who wrote the existing loan, helping more brokers assist more clients with a simpler, faster refinance experience.
This major policy uplift means more brokers can now help more clients refinance seamlessly under the Streamlined Refinance Policy, giving eligible borrowers access to:
✅ Faster approvals
✅ Less documentation by the lender
It’s a win for brokers, a win for clients, and a big step forward in making refinancing faster, simpler, and smarter across the LMG network.
Designed specifically for:
⚡ Self Employed clients
⚡ Company and trust structures
⚡ Visa Holders, Expats who are either PAYG and self-employed
⚡ NRAS properties from 40m2 and small apartments from 30m2
⚡ Visa Holders
🏡 Coming Soon: Apollo Next – Bridging Finance Reimagined
A new bridging product is hitting the market soon, and it’s not just another bridging loan. Apollo Next is a purpose-built solution for clients who need to buy before they sell.... fast.
📅 Pre-Launch Training Sessions 
Paramount Mortgages releases 3 New Bridging Loans
Single Bridging Loan
-
Loan term: up to 24 months
-
Max LVR: 65%
-
Max loan amount: $3,000,000
-
Documents required: 100-point ID, contracts of sale, mortgage statements
-
Credit score: minimum 500 (defaults/arrears considered)
-
NCCP only
Bridging with End Debt (Upsizer)
-
Loan term: up to 18 months
-
Max LVR: 80%
-
Max loan amount: $10,000,000
-
Documents required: 100-point ID, contracts of sale, mortgage statements (plus exit strategy / end-debt servicing detail if applicable)
-
Credit score: minimum 500 (defaults/arrears considered)
-
NCCP only: Yes
Downsizer Bridging (No End Debt)
-
Loan term: up to 18 months
-
Max LVR: 80%
-
Max loan amount: $10,000,000
-
Documents required: 100-point ID, contracts of sale, mortgage statements, exit strategy evidence (sale)
-
Credit score: minimum 500 (defaults/arrears considered)
-
NCCP only
🎓 Education – Upcoming Sessions
☕ Coffee & Credit with ME| Tiny Homes Deep Dive
🗓 Wednesday 19 November | 11:00am AEDT
Join me as I take you inside the world of Tiny Homes, granny flats, and prefab builds, unpacking lender appetite, loan structuring tips, and key quirks to watch out for before submission.
🏡 OwnHome – Accreditation Webinar
🗓 Every Tuesday | 12:00pm AEDT (approx. 45 mins)
Learn more about OwnHome’s product range, policy, and niche lending opportunities in this weekly accreditation webinar. Attendees will earn CPD points, so make sure you register and secure your spot.
👉 Register for the OwnHome Webinar
NOT A MEMBER YET?
Join today with our 14-day free trial, month by month membership. Cancel anytime! Individual memberships start at $37 per month. Access on the go, 24/7 with our mobile APP and your research sidekick, Brokerchat.AI. What are you waiting for?
