Weekly Credit Crunch 2nd March 2026 📚

⚡ Zeus

⚡ LVR highlights

• Up to 95% LVR: Owner-Occ & investment purchases (P&I).

• Construction O/O & investment (P&I)

• 80% LVR: Owner-occupied I/O. Unlimited cash out.

⚡ Income & employment edge

• Sharper servicing: 2% new | 1% existing

⚡ Self-employed friendly

• 1 year financials

⚡ Progressive workplace policy

• Contract: 3 months in role + 3 months remaining

• Casual: 6 months in role or 12 months industry history

• No income shading: allowances, bonuses, commissions & overtime

• NDIS rental income accepted

⚡ Policy shout outs

• Genuine savings waived: professional & Essential Workers up to 95% LVR

• Investor-friendly servicing: investment property expenses included in HEM

⚡ Security flexibility

• Apartments from 30m² | NRAS from 40m² | Dual key properties accepted

🏦 Westpac

📈 Expansion of Investor IO offering

• The maximum interest only term on eligible investor loans from 10 to 15 years for loans up to 80% LVR. This enhancement applies to both new and existing customers.

📈 LVR increase for Investor LMI (P&I) loans

• Increased the maximum LVR on LMI Investor loans (P&I) from 90% to 95%

• have also removed the need for investors to evidence an additional 10% equity in property when borrowing up to 95%.

This change applies to new loans, increases and top-ups, and there are no process changes required as our systems have already been updated. Please note that existing IO restrictions remain in place for loans that were originally written above 90% LVR.

🎓 Invest to Impress Webinar

Wednesday 4 March, 2–3pm (AEDT).
Join us for our first Westpac Group national webinar of the year, where we’ll focus on how we can help you better support clients seeking investment lending solutions.

Register to join the webinar: https://westpacview.com.au/InvestToImpress4March

☀️ Suncorp Reminder

✅ Brokers love our ‘basic’ self-employed offering

Check if your customer meets our "basic" self-employed requirements for reduced documentation. Eligible basic self-employed applications need only provide:

• 2 years’ (most recent) ATO Notice of Assessments; and

• a signed Self Employed Borrower Declaration.

And if the basic self-employed application meets the Suncorp Bank SunLight criteria, a decision is guaranteed within 2 working days.

🟦 ME Bank — Did you know?

🔍 A simpler way to structure self-employed income

Option 1: Wages only
For self-employed clients paid via wages or salary (sole traders excluded). Serviceability is based on wages only – no add-backs, no business liabilities.

• Up to 80% LVR

• Loan amounts up to $3 million

Option 2: One-year financials
For clients who need business income to service. Use one year of financials, include add-backs and business liabilities.

• Up to 80% LVR

• Loan amounts up to $3 million

Option 3: Two-years financials
Our comprehensive option for self-employed income. Business income, add-backs and liabilities included – with no LVR cap and no loan limit.

Across all options, eligibility is straightforward: the business and ABN must be registered and operating for at least 18 months, and company-income applicants must be directors for 12 months and current shareholders.

ME will accept the previous financial year for self-employed income until the end of April and asks you to note tax debts and include business debts in the assessment upfront.