🏙️ Assetline Capital

95% No LMI with Assetline Capital Horizon Mortgage

Designed for PAYG professionals across owner-occupied, investment, and cash-out scenarios.

✅ Key Highlights

• Up to 95% LVR

• No Lenders Mortgage Insurance involvement

• Total loan limit up to $2.5 million

• Available for metro locations

• Does not need to be a first-time property purchase

🏦 Loan Structure

Clients will have two separate loans:

• 80% first mortgage

• 15% second mortgage

Both loans are on:

• 30-year P&I terms

• With separate repayments:

  • One repayment to Assetline for the 80% first mortgage

  • One repayment to Assetline for the 15% second mortgage

💰 Acceptable Funds Contribution

• Genuine savings

• FHOG

• Parental gift (not a loan)

📍 Eligibility

• Location: Metro capital cities

• Borrowers: Australian citizens and permanent residents

• Credit score: All applicants must have 800+

🚫 Exclusions

This product is not available for:

• Self-employed applicants

• Construction

• Land

• Non-professionals

• Temporary/contract workers

• Non-residential scenarios

• Visa holders

🚀 Go Beyond by LMG powered by Think Tank

Brand New: Private Lending Streamlined Product

A 12-month term product designed to offer a simpler private lending solution.

✅ Key Features

• 1-year interest-only solution

• Maximum LVR 70%
  (inclusive of prepaid interest stressed at 2%)

💡 Flexible Interest Options

• Interest paid in advance, or

• Interest capitalised

📌 Assessment Highlights

• No debt servicing

• No minimum ICR

• Income verification exit strategy

💼 ING

Self-Employed Policy Refresh

ING has refreshed its self-employed policy with a 1 year financials now available!

🎓 Broker Education Webinar Series: 🗓️ Book in below:

• Thursday 19^th March              - 2pm (EDST)  Meeting Link
• Thursday 26^th March              - 2pm (EDST)  Meeting Link
• Thursday 2^nd April                  - 2pm (EDST)  Meeting Link
• Thursday 9^th April                   - 2pm (EDST)  Meeting Link
• Thursday 16^th April                 - 2pm (EDST)  Meeting Link

Self-employed with 3 Pathways

There’s been an expansion to the self-employed borrowing policy, with three assessment pathways now available or in development.

🔹 Option 1 — 1 Year Self-Employed

This pathway is designed for eligible self-employed borrowers who have been trading long enough in their current business.

✅ Key Criteria

• Minimum 2 years trading in the current business

• Maximum 80% LVR

• 90% shading on income

• Minimum 50% ownership required

• Cash out available

• Available for owner-occupied and investment loans

📄 Documentation Required

• Latest Notice of Assessment (NOA)

•  Tax returns

• Financials

🚫 Exclusions / Limits

• No debt consolidation

🔹 Option 2 — 2 Years Self-Employed

Still Available — Using 100% of Income

This pathway remains available for borrowers who meet the full 2-year self-employed requirement.

✅ Key Features

• Uses 100% of income

• Retained profits can be used

• Company debts may be excluded

• No cap on depreciation

🔹 Option 3 — ITR Only

A third pathway is currently being developed, based on ITR only.

⚡ Proposed Highlights

• Assessment based on wages only

• No undistributed profits

• Add-backs excluded

📌 Important Note

Even though this pathway is based on ITR only, there still needs to be a clear trail of where the income comes from, so company or trust financials will still be required for confirmation. More info to come and make sure you speak to your BDM.

🏦 Bankwest

Policy Updates to Probation & Genuine Savings

Bankwest has introduced some helpful updates across employment probation and genuine savings, making the policy a little more straightforward for brokers to work with.

✅ Probation Update

• Probation can now be considered at any LVR

• There is no longer a requirement to provide evidence that probation has been completed where a borrower has been employed for less than six months

💰 Genuine Savings — Key Changes

• Verification requirements reduced from three months to one month for all listed acceptable sources

• Funds are no longer required to be held or accumulated for a minimum timeframe

• Evidence is still required to show funds from an acceptable source held in the account prior to approval being issued

• Expanded list of acceptable sources - refer to broker portal

• Rental ledger removed as an acceptable source

🚀 Great Southern Bank

March Broker Boost Masterclass: Building an Investment Portfolio

Great Southern Bank is continuing to support brokers with practical education designed to help you place deals with more confidence.

🎓 Upcoming Masterclass

Join the March Broker Boost Masterclass:

• Topic: Building an Investment Portfolio

• Time: 10:30am AEST / 11:30am AEDT

• Date: Tuesday 31 March

🔍 What the Session Will Cover

The session will unpack a real-world refinance and investment scenario, including:

• How equity release is assessed

• Handling multiple income streams

• Key policy settings that matter when structuring first-time investor deals

👀 Who This Will Be Useful For

This session will be especially relevant if you’re working with:

• Self-employed clients

• Dual income households

• Borrowers who are building their investment portfolio

📣 Call to Action

Secure your spot here.

🚀 Apollo by LMG

Reminder: Why Apollo Plus?

A quick reminder on why Apollo Plus continues to stand out for more complex structures and flexible deal placement.

✅ Why Brokers Use Apollo Plus

• Lending for an expansive range of non-trading company or trust structures

• Flexible income verification

• Strong appetite to win deals

• Strong rates and pricing discretion

• Full Doc and Lite Doc income verification options

• 80–85% LVR with no LMI

• Lending available to non-individual borrowers

🏦 ME Bank

Investment Loan Policy Updates

ME Bank has introduced some handy updates across its investment lending policy, particularly around LVR limits and interest-only flexibility.

🔹 Key Changes

• P&I investment loans:
  Max LVR increased from 90% to 95% (inclusive of LMI)

• Interest Only investment loans:
  Max LVR is now 90% excluding LMI
  (previously 90% including LMI)

• More IO flexibility:
  Up to 10 years interest only on variable investment loans
  (previously 5 years)

🪨 Granite

SMSF Contributions Assessment Update

Granite is simplifying the way SMSF contributions are assessed by dividing them into two clear categories.

📌 New Contribution Categories

• Actual contributions
  Includes all historic actual contributions that have been made, including:

  • Regular contributions

  • Irregular contributions

  • Lump sum contributions

  • One-off contributions

• Proposed contributions
  Future planned contributions that have not yet been made by SMSF members

⚡ Key Highlight

For applications submitted from 9 March, Granite is removing the DTI test for SMSF proposed contribution assessments.

👀 Coming Soon

ANZ Appointed to Australian Government 5% Deposit Scheme

ANZ has been appointed to the Australian Government 5% Deposit Scheme, helping eligible customers enter the property market sooner.

📣 AMP

SMSF Deep Dive & Economic Update Webinar — Catch the Recording

Missed AMP’s SMSF Deep Dive & Economic Update webinar this week? No stress — you can still catch up and watch the recording here:

▶️ Catch Up Here

💡 Why It’s Worth a Look

• A helpful update for brokers wanting to sharpen their SMSF lending knowledge

• Covers both SMSF insights and the broader economic update

• A handy resource if you couldn’t make the live session

⭐ Standout Feature

AMP remains the only bank with an SMSF loan offset deposit account for brokers.

🙌 Love Your Lender Thanks for the shout-out, AMP 💙👇👇

📰 Featured in FBAA’s February Broker Magazine

The AI Conversation Everyone’s Avoiding

I love contributing to industry publications, and this month I had the chance to share my thoughts in the February edition of Broker Magazine by the FBAA. I spoke about why brokers really do need to start leaning into AI, because it’s not going anywhere anytime soon. For me, the real opportunity is not in fearing it or fighting it, but in learning how to use it in a way that genuinely supports your business, saves time, and gives you more space to focus on the human side of broking; the relationships, the trust, and the conversations that matter most. Huge thanks to the FBAA for inviting me to contribute and be part of such an important conversation for our industry.

Click this link to read the full article.

https://issuu.com/fbaa.com.au/docs/fbaa_broker_magazine_-_february_2026

✨ That's a wrap this week!!

It’s been a huge start to the year, and the last three weeks in particular have been absolutely jam-packed. We kicked off with the LMG Leadership Retreat, followed by the LMG Growth Summit, which began with the Top 250 Lunch where I had the privilege of interviewing keynote speaker Chris Kohler. He shared his journey of creating engaging, relatable social media content around a topic as serious as finance, and how education and connection can go hand in hand when you really understand your audience. The Growth Summit then rolled into two big days of learning, connection and ideas, followed by an incredible awards night. It was so good to see so many members of The Brokers’ Bible as finalists and winners on the night. I absolutely love supporting this community and watching great people do great things. That’s it from me, see you next week finance friends!