• financial@xin.com.au
  • | 502 / 80 Mount St. North Sydney NSW 2060
  • Call us on 1800 417 740
  • 1800 417 740
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Full Doc Home Loan

Purchase or refinance a property

Full Doc Home Loan

Whether you’re a PAYG employee or self-employed, our Full Doc loan provides a premium solution for borrowers with complete financial documentation. This product is perfect for clients looking for competitive rates, flexible loan features, and a smooth application process backed by strong financials.

With generous loan limits and excellent servicing flexibility, borrowers can enjoy unlimited cash-out and interest-only options without extra loading.

Rate start from
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Variable rate p.a.

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Comparison rate p.a.*

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Variable rate p.a.

0 %

Comparison rate p.a.*

Product Features

Loan Size Up to $8,000,000

Interest Only available with no loading

Unlimited cash-out with stated purpose

100% offset account with no extra cost

*Interest Rate and Loan Amounts based on LVR.

*The comparison rate is based on a secured loan of $150,000 and a term of 25 years.WARNING: This comparison rate is only true for the example given and may not include all fees and charges. Different loan amounts, terms, or fees may result in a different comparison rate.

*Disclaimer: The information provided herein represents a consolidated summary from all funders and is not intended to detail any single product offering. For specific product information, please consult our BDM or the Credit team.

What our Full Doc Home Loans offer

Borrower types

PAYG, Self-Employed, Company and Trust

Acceptable property

Established dwellings, Apartments, Vacant land

Loan Size

$150,000 min
$5,000,000 max

Loan Term

2-40 years

Interest rate type

Variable , Fixed (1-5 years), Split

Max LVR

95%

Repayment frequency

Weekly, Fortnightly, Monthly

Repayment types

Principal & interest
Interest only

Frequently Asked Questions

What is a Full Doc Home Loan?
The standard, traditional mortgage where you provide a complete set of financial records to prove your income and expenses. It is the most common type of loan for people who are employees (PAYG) or self-employed individuals with up-to-date tax records. Because you provide “full” proof of your ability to pay, these loans offer the lowest interest rates and the most features.
Borrowers who are employed – PAYG or Self-Employed with available income documents as per lender’s checklist
Yes, as it offers the lowest interest rate
Up to 80% LVR and some other up to 95% with LMI
Yes, it is better to have a good credit standing but most often defaults paid up to $500 maybe considered and arrears less than 1 months in the last 6 months is acceptable

P: 1800 417 740
E: financial@xin.com.au
Address: Suite 502, 80 Mount Street North Sydney NSW 2060, Australia

Product

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Expat Home Loan
Non-Resident Home Loan
Easy Refinance

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