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 Full Doc
.as at  

Full Doc - Capital Cities
 Full Doc - Non Capital Capital Cities

No Impairments

 From 6.99% - No Arrears, Defaults or Overlimits
  From 8.34% - No Arrears, Defaults or Overlimits

Minor Impairments
 From 7.85% - Minor Impairments up to 2 non financial defaults ignored < $1,000
 From 8.84% - Minor Impairments up to 2 non financial defaults ignored < $1,000
Moderate Impairments
 From 8.85% - up to 2 defaults <$5k total
 From 9.25% - up to 3defaults <$15k total
Heavily Impaired
 From 9.85%- up to 5 defaults with full explanation and verification
 From 9.60%- up to 4 defaults <$25k

 
  
Criteria

Coded / Uncoded
Coded or Uncoded Residential Product <2 acres 
 Coded or Uncoded Residential Product <100 acres 

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
 $2,000,000 @55% LVR
 $1,500,000 @80% LVR
Min Loan Size
 $250,000 @80%LVR
$250,000 @80%LVR
Purpose
 Purchase / Refinance / Consolidation
 Purchase / Refinance / Consolidation / Cashout

Servicing
 PAYG - 2 Payslip's, 2 Years Tax Returns and Assessment Notices, 12 months Bank Statements showing income going into Bank Account
 PAYG - 2 Payslip's, 2 Years Tax Returns and Assessment Notices, 12 months Bank Statements showing income going into Bank Account



Additional Features
Additional Repayments at No charge
Split Loans - Available
Construction- Yes subject to lending Conditions
Owner Builders No
Vacant Land - No
Portability - Yes
 Additional Repayments at No charge
Split Loans - Available
Construction- No
Owner Builders No
Vacant Land - No
Portability - Yes

Lenders Fees

Clean Credit $650 App Fee + Val's and Legal Fees at State Scale  Clean Credit Owner Occupier 0.5% + Legal's and Val's at State Scale
Investment 1% + Legal's and Val's at State Scale
Minor Impairments $750 App Fee + Val's and Legal Fees at State Scale  Minor Impairments -Owner Occupier 0.5% + Legal's and Val's at State Scale
Investment 1% + Legal's and Val's at State Scale
Moderate Defaults -$1200 or 0.5% of the loan amount > $500k + 0.75% risk fee deducted at settlement + Val's and Legal Fees at State Scale  Moderate Impairments Owner Occupier 0.5% + Legal's and Val's at State Scale
Investment 1% + Legal's and Val's at State Scale
 
heavily Major Defaults and Arrears $1200 or 0.5% of the loan amount > $500k + 1.3% risk fee deducted at settlement + Val's and Legal Fees at State Scale  Heavily Impaired -Owner Occupier 0.5% + Legal's and Val's at State Scale
Investment 1% + Legal's and Val's at State Scale
   
 
     
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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