Union Fidelity™
Irregular Loan Facilitators

Phone: 1800 241 281

We ask....
because every loan is different,
and every solution is tailored to suit your current requirements,
no matter how pressing your clients current situation
Rate
Union Fidelity™ Residential Lite Doc
 .as at  
What does Lite Doc Mean?-For this specific lender means that your client is self-employed - however hasn’t completed financial returns for this year.
We have linked here the Accountants Letter to this email for your consideration and this will be required to be completed by the clients Accountant to verify the client’s statement as to income and affordability.
     

 
Lite Doc - Capital Cities
 Lite Doc - Non Capital Capital Cities

No Impairments

 From 9.05% - No Arrears, Defaults or Overlimits
  From9.05% - No Arrears, Defaults or Overlimits

Minor Impairments
 From 9.15% - Minor Impairments up to 2 non financial defaults ignored < $1,000
 From 9.15% - Minor Impairments up to 2 non financial defaults ignored < $1,000
Moderate Impairments
 From 9.55% - up to 2 defaults <$5k total
 From 9.85% - up to 3defaults <$15k total
Heavily Impaired
 N/A
N/A

 
 
  
Criteria

Coded / Uncoded
Coded or Uncoded Residential Product <2 acres 
 Coded or Uncoded Residential Product <100 acres
25 to 50 acres reduce max LVR by 5% and increase rate by 0.5%
50-100 acres reduce max LVR by 10% and increase rate by 0.5% 

Security
 1st Registered Mortgage Residential Security in Capital City of VIC, NSW, ACT, QLD
 1st Registered Mortgage Residential Security in VIC, NSW, ACT, QLD, SA and WA
Max Loan Size
 $1,000,000 @80% LVR
 $1,000,000 @80% LVR
Min Loan Size
 $250,000 @80%LVR
$250,000 @80%LVR
Purpose
Purchase / Refinance / Consolidation / Cashout to max 10% of borrowings (incl credit cards and personal loans in cashout component)
 Purchase / Refinance / Consolidation / Cashout to max 10% of borrowings (incl credit cards and personal loans in cashout component)

Servicing
Accountants letter and Demonstration of past 6 months loan statements
 Accountants letter and Demonstration of past 6 months loan statements



Additional Features
Additional Repayments at No
Split Loans - No
Construction- No
Owner Builders No
Vacant Land - No
Portability - No
 Additional Repayments at No
Split Loans - No
Construction- No
Owner Builders No
Vacant Land - No
Portability - No

Lenders Fees

1.1% App Fee + Val's and Legal Fees at State Scale + risk fee deducted at settlement calculated in impairments 1.1% App Fee + Val's and Legal Fees at State Scale + risk fee deducted at settlement calculated in impairments
 
     
Union Fidelity™ Quick Documents
Application Form (.doc) or (.pdf)
Accountants Letter (.doc) or (.pdf)
Self Certified Declaration
Servicability Calculator (.xls)
Postcode Check 
Eligable Security
Litigation Funding
 External Links
Get a copy of your CRAA
Is your broker licensed?
..Just Settled...$1.2M Residential Sydney @ 65%LVR, $1.5M Commercial Retail Sydney @70%LVR, $550,000 Rural Moree at 50% LVR, $1.75M Residential Gold Coast at 65% LVR, $200,000 Rural Residential at Port Macquarie at 60% LVR, $990,000 Rural at Molong at 50% LVR, $2.9M Commercial in Sunshine at 55% LVR, Self Managed Super Fund Loan to $1.2M Melbourne Residential @55%
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ABN: 55 073 023 926
Australian Credit Licence: 346 527
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