Union Fidelity Capital Funding - "Strength in Trust" Phone 1800 241 281

2 Years Financials
and/or
2 Years Tax Returns and Assesment Notices
and last 2 payslips

Fully Documented Residential Loan

Coded or Non Coded Available

		60% From	65% From	70% From	75% From	80% From	85% From	90% From	95% From
Full Doc	Clean Credit	6.8%	6.8%	6.8%	7.15%	7.15%	7.5%	7.55%	7.7%
Full Doc	Mortgage Arrears	8.3%	8.3%	8.5%	9.0%	9.3%	9.7%	-	-
Full Doc	Credit Defaults	8.3%	8.3%	8.5%	9.0%	9.3%	-	-	-
Loan Limits Clean Credit $1.75M Loan Limit Credit Impaired $1.5M Application Form Click Here Loan Requirements: - 12 months current or 2 years continuous employment in the same industry - 2 years financial statements, Taxation returns, and Assessment Notices - 80% of Gross Rental Accepted - Coded or Non-Coded Loans / Investment or Consumer Loan - Last 12 months loan statements (if refinancing an existing Mortgage) - Last 12 months Credit Card Statements - Last 3 months Business Bank statements (if self employed) - Contract of sale (if purchasing) - Last 2 payslips (if PAYG) - Latest rates Notice for the security property (if refinancing) - 100 points of identification

Partial Full Doc

Coded or Non Coded

		60% From	65% From	70% From	75% From	80% From	85% From	90% From	95% From
Full Doc	Clean Credit	7.1%	7.1%	8.4%	8.95%	9.15%	10%	-	-
Full Doc	Mortgage Arrears	8.7%	8.7%	10.1%	10.8%	11.3%	-	-	-
Full Doc	Credit Defaults	8.7%	8.7%	10.1%	10.8%	11.3%	-	-	-
Loan Limits Clean Credit $1.75M Loan Limit Credit Impaired $1.5M Coded or Non-Coded Loans / Investment or Consumer Loan Application Form Click Here Loan Requirements: - 12 months current or 2 years continuous employment in the same industry - 80% of Gross Rental Accepted - Last 12 months BAS Statements ( 4 continuous quarters) - Last 12 months loan statements (if refinancing an existing Mortgage) - Last 12 months Credit Card Statements - Last 3 months Business Bank statements (if self employed) - Contract of sale (if purchasing) - Last 2 payslips (if PAYG) - Latest rates Notice for the security property (if refinancing) - 100 points of identification

-12 months current or 2 years continuous employment in the same industry
- 80% of Gross Rental Accepted
- Last 12 months BAS Statements ( 4 continuous quarters)

- 12 months current or 2 years continuous employment in the same industry
- 80% of Gross Rental Accepted
- Last 6 months BAS Statements ( 2 continuous quarters

Lite Doc

		60% From	65% From	70% From	75% From	80% From	85% From	90% From	95% From
Lite Doc	Clean Credit	8.1%	8.1%	9.5%	9.8%	10.1%	-	-	-
Lite Doc	Mortgage Arrears	8.7%	8.7%	10.1%	10.8%	11.3%	-	-	-
Lite Doc	Credit Defaults	8.7%	8.7%	10.1%	10.8%	11.3%	-	-	-
Loan Limits Clean Credit $1.75M Loan Limit Credit Impaired $1.5M Coded or Non-Coded Loans / Investment or Consumer Loan Application Form Click Here Loan Requirements: - 12 months current or 2 years continuous employment in the same industry - 80% of Gross Rental Accepted - Last 6 months BAS Statements ( 2 continuous quarters) - Last 12 months loan statements (if refinancing an existing Mortgage) - Last 3 months Credit Card Statements - Last 3 months Business Bank statements (if self employed) - Contract of sale (if purchasing) - Last 2 payslips (if PAYG) - Latest rates Notice for the security property (if refinancing) - 100 points of identification

Accountant's Letter + Self Cerification

Low Doc-Accountants Letter + Self Certification

		60% From	65% From	70% From	75% From	80% From	85% From	90% From	95% From
Low Doc	Clean Credit	9.3%	9.4%	9.5%	9.6%	9.85%	-	-	-
Low Doc	Near Clean	9.4%	9.5%	9.6%	9.7%	-	-	-	-
Loan Limits Clean Credit $750k Loan Limit Clean Credit $1.5M to a Maximum of 70% LVR Coded or Non-Coded Loans / Investment or Consumer Loan Application Form Click Here Accountants Letter Template - Click Here Self Certification Template - Click Here Loan Requirements: - 12 months current or 2 years continuous employment in the same industry - 80% of Gross Rental Accepted - Last 12 months loan statements (if refinancing an existing Mortgage) - Last 3 months Credit Card Statements - Last 3 months Business Bank statements (if self employed) - Contract of sale (if purchasing) - Last 2 payslips (if PAYG) - Latest rates Notice for the security property (if refinancing) - 100 points of identification - Accountants Letter + Self Declaration

This loan is for genuine non-coded investment /business purposes - borrowings to be in a company name

No Doc Residential Security Loans
This loan is for genuine non-coded investment /business purposes - borrowings
to be in a company name

	40% From	50% From	55% From	60% From	65% From	70% From	75% From	80% From
Loan Limit	$1.5M	$1.5M	$1.5M	$1M	$1M	$750k	$650k	-
Rate mnths 1-6	9.95%	9.95%	9.95%	9.95%	9.95%	9.95%	9.95%	-
Rate mnths 7-12	11.35%	11.25%	11.25%	11.25%	11.25%	11.25%	11.25%

Loan Limits $1.5M per borrower

Application Form Click Here

Loan Requirements:

- Contract of sale (if purchasing)
- Latest rates Notice for the security property (if refinancing)
- 100 points of identification
- Borrowings can be used ONLY for the following purposes:
(a) Inject funds into a business
(b) Refinance Proven Business Debts by verifying original business use by
(i) Statement from Current Funder to prove for business use
(ii) Statutory Declaration
(iii) Proven by disbursements statement at settlement

- Valuation Conditions
The valuation will require 5 of the 6 points to be satisfied to be acceptable for being done as a no doc loan:-
(3 points)
3 comparable sales in the immediate area within 20% of the purchase price / detailed value of each security property
(3 points)
3 comparable sales within the last 3 months in the immediate location