Latest updates on Finsure Loans products

Product and Pricing Update

Following the RBA’s cash rate announcement, we’ve made some changes:

A 0.25% p.a. increase for existing variable rate clients, effective 13 February 2026:
This will apply to home, commercial, construction, and SMSF loans. We’ll let impacted customers know their new rate, payment details, and its effective date.

What about applications in pipeline?
For applications yet to settle, an increase of 0.25% p.a. will be applied to their home, commercial, construction, or SMSF loan at settlement.

New applications:
We are increasing our variable rates across our home, commercial, construction and SMSF loans by up to 0.25%.

No LMI for up to 90% LVR – Extended!

Brokers can continue to access no LMI up to 90% LVR on Prime Full Doc home loans for residential properties, until 1 April 2026¹. Helping your owner-occupied and investor clients save thousands. Prime eligibility criteria applies.

Need more?

• Up to 3% flat fee for 90-95% LVR.
• No occupation restrictions – prime eligibility criteria applies.

Investors, Owner Occupiers and Refinancers?

• Now even more affordability options
• Now more ways to improve your cash flow
• Now even more ways to improve your borrowing capacity

You can download our updated Product Guide, Fact Sheet, and FAQs by logging into Infynity.

SMSF loans: A market first

Help clients invest for less with our new SMSF loan option:

• Borrow up to $1m
• 90% LVR on residential securities for Full Doc loans
• no LPF

 

Important information

Information is correct as of 11 December 2025 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.

¹Lenders Mortgage Insurance or Loan Protection Fee promotion applies to new Prime Full Doc home loan applications for residential securities up to 90% LVR. This promotion isn’t available for vacant land securities or construction loans. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 1 April 2025 and 11:59pm AEDT 1 April 2026.

Interest Rate Changes

On Tuesday 3 February 2026, the RBA announced a 0.25% increase to the official cash rate.

We’re writing to let you know that we will be increasing interest rates across all variable rate products for existing borrowers, deals in pipeline and new applications by 0.25% on 10 February 2026.

Our priority is to continue delivering value to our customers while managing the costs involved in funding residential and commercial loans. We review our rates carefully to ensure we can operate responsibly and sustainably as a lender.

What you need to know
From 10 February 2026, the new rates will apply to all loan applications assessed under our credit process.
Pipeline applications will be assessed at the higher rates if not conditionally/formally approved prior to 10 February 2026.
Rate sheets and systems will be updated to reflect the new rates from 10 February 2026.

Product Info and Rates

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Product Enhancements

We’re pleased to share a series of loading and rate reductions that will take effect from 13 October 2025:

Residential (Full Doc & Mid Doc) & Residential SMSF Enhancements

Metro Alignment

• Other Metro locations (Perth, Adelaide, etc.) are now aligned with Metro (Sydney, Melbourne and Brisbane) for loan amount and LVR purposes.

Metro & Extended Metro Limits Increased

• New $3M maximum loan at 80% LVR for Metro and Extended Metro.

Regional Limits Increased

• Maximum loan increased from $1.5M to $2M (70% LVR maximum) for Regional locations.

Private Lending Enhancements

Private & Residual Stock (Quick Doc)

• Residential LVR increased from 65% to 70% for the $7.5M loan band in Metro (Sydney, Melbourne and Brisbane) and the $7M loan band in Other Metro (Perth, Adelaide, etc.).

Residual Stock (Quick & Mid Doc)

• Complex size limit doubled from 50 to 100 units.
• In-one-line valuation now only required for 4+ properties (previously 2+).

Vacant Land (Quick & Mid Doc)

• Maximum LVR increased from 50% to 60%.

Private & Residual Stock Policy

• ABNs under 12 months now considered with Head of Credit approval.

 

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Commercial Mid Doc <$4M

• Loan amounts and LVRs now aligned with Commercial Full Doc
• ICR reduced to 1.75:1 for over $2M

Commercial Quick Doc

• Increased maximum loan amount to $4M
• Introduced $3M tier for populations >20k

Commercial SMSF <$4M

• Interest Only LVR now aligned with Principal & Interest LVR, permitting up to 80% LVR

Commercial Lease Doc

• Increased the maximum loan amount to $4M
• Introduced $3M tier for populations >20k
• Reduced the ICR to 1.25:1
• Rental Income definition now adjusted to Net Rent

Commercial Full Doc <$4M

• Introduced $3M loan amount up to $80% LVR tier

• PAYG income verification for Residential Full Doc is now 2 x payslips ≤ 6 weeks old. Letter of employment and bank statement are no longer required.
• Childcare Centres will now be treated as a standard commercial property, eligible for Commercial Full Doc, Commercial Mid Doc, Commercial Quick Doc, Lease Doc and Commercial SMSF
• Now using SmartVal residential valuation type for faster valuation process
• SMSF loans where all members are in pension phase now considered
• In one line valuation policy expanded, please reach out to your RM for more details!

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Residential Loading Offers – extended until 31 October 2025

Residential Mid Doc Loadings Waived

• Applicable to: ≤ $3.5M up to 65% LVR, or ≤ 2M up to 80% LVR, or ≤ 2.5M up to 75% LVR
• Interest Only and Investment loadings waived (Interest Only loading still applies for owner occupied Interest Only)
• Current Owner-Occupied Loan + Investor Loan 6.59% offer removed as new rates are lower than 6.59%

Residential Mid Doc Rate Reductions

• Applicable to: > $3.5M all LVR, or > 2.5M ≤ 3.5M and over 65% LVR
• – 0.15% across all LVRs

Residential Full Doc Investor Loadings Reduced

• From 0.20% to 0.10%

Commercial SMSF (up to $4M) Rate Reductions

• -0.20% up to 70% LVR
• -0.40% at 75% LVR
• -0.75% at 80% LVR

Private Mid Doc Loan (Residential Securities) Rate Reductions

 

Updated versions of these rate sheets are available here.

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Ease the fees with our $990 Combo Loan offer
Ease the fees for your customers with the purchase, investment, refinance or equity release of a combination of loans involving one commercial (≤$4M) and one or more residential loans (≤$2.5M).
This $990 reduced fee offer covers:

• Residential Establishment Fee (usually $650)
• Commercial Establishment Fee (usually 0.95% loan amount)
• Residential valuation fees
• Legal fees for commercial and residential loans*

Commercial Loans up to $8M
Whether it’s for acquisition, refinance, or business growth, we offer a range of flexible solutions with fast approvals and no ongoing fees:

• Full Doc, Mid Doc, or Quick Doc options
• Up to 80% LVR
• Up to 30 years principal + interest or 5 years interest only terms
• Commercial Lease Doc loans up to $2M (up to 70% LVR)

New Commercial Application Form
We’ve also recently updated our Commercial Application Form to save you time and streamline the submission process.
This update consolidates all required components into one format, supporting up to four companies/trusts (each with two individuals), and follows a simple, logical flow.

Product and Policy Updates

We’ve introduced a pricing update focused on reducing upfront complexity and supporting clearer client conversations when structuring bridging solutions.

• Reduced set-up fee; now fixed at 0.60% on 12 month terms, 0.95% on 24 month terms
• LVR limits have increased to 85%* for closed bridging solutions.
• Maximum loan terms have been extended to 24 months.
• Expanded use of AVM and desktop valuations for properties that are listed or under contract.

Updated rate cards, calculators and product guides are available via the Broker Portal.

Introducing Bridge’s new Stay Rate

We are excited to introduce Finsure Loans Bridge’s new Stay Rate.

Upsizing with Finsure Loans Bridge just got smarter, your clients can now unlock even better value and flexibility when buying before they sell with the new Stay Rate.

How does the Stay Rate work?

Your client’s loan starts out on our Bridge Rate. Once they sell their outgoing property and reduce their loan amount to the agreed residual loan amount displayed in the offer, the rate will automatically decrease to our Stay Rate (from 7.29% p.a), with no monthly repayments required for the remainder of the term.

Benefits for you and your clients?

• Flexibility for more of your upsizing clients to purchase a new home before they sell their existing.
• A more competitive rate on the residual loan amount after selling
• Enjoy no monthly repayments on a lower rate, for longer
• More time and flexibility to arrange the next lender post-bridging
• 0.35% commission, with no clawbacks, ever

If you have any questions, please reach out to your BDM today!

 

¹The Stay Rate will apply if a repayment is made from the sale of outgoing properties (or another repayment method) and the repayment reduces the loan balance to an amount that is equal to or less than the residual loan balance stated in the offer. Information is correct as of 5 May 2025 and is subject to change at any time.

*LVR’s above 80% are subject to metro location only and executed contract of sale being available for all security properties. Available for a maximum loan term of 12 months. Eligibility and approval subject to standard credit assessment.

Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.