Liberty Financial Update

Liberty Commercial has recently enhanced its residential SMSF rate and is currently waiving the $695 review fee for new AAA borrowers who refinance to Liberty.

Please see attached Liberty's Commercial product update.

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Reach out to your BDM for any questions.

Up to 10-weeks repayment holiday

Finstro is excited to offer a 10-week repayment holiday for all new small business customers, to give you access to the cash flow you need to invest in the success of your business!

Finstro's repayment holiday means no repayments until the 15th of January, 2022, so you can focus on what's most important during this busy time.

Get in touch today to access this great offer, or visit finstro.com/eoy-repayment-holiday to find out more.

Thinktank Update

Simple alternate income verification. Loans up to $3million, 75% LVR, 25-30 year loan terms. Mid Doc loans for a wider range of purposes.

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Brighten Q4 2021 Promotions

Brighten has announced the release of our Limited-time Q4 Promotion. Effective from 14th October 2021, the following promotional interest rates are available for new Brighten Boss® Prime and Brighten Essentials home loan applications submitted on or before 17 December 2021, approved and settled by 31 March 2022.

Brighten Boss® Prime (Alt Doc)

  • Variable rate from 2.89%p.a.1(comparison rate 2.96%p.a.#) up to 60%LVR
  • Variable rate from 2.99%p.a.2(comparison rate 3.06%p.a.#) up to 75%LVR
  • Variable rate from 3.09%p.a.3(comparison rate 3.16%p.a.#) up to 80%LVR
  • Max. $1.5m with $0 Risk Fee

Brighten Essentials (Full Doc)

  • Variable rate from 2.29%p.a.4(comparison rate 2.32%p.a.#) up to 80%LVR

Max. $1.5m with $0 ongoing account fee

The following changes have also been made to our Home Loan product suite;

Brighten Easy Builder® (Full Doc or Alt Doc Construction)

  • Interest Only repayment during the construction period
  • Variable rate from 3.88%p.a.5(comparison rate 2.80%p.a.#) up to 80%LVR
  • Alt Doc option available with an interest rate loading from 0.5%p.a.
  • After construction reverts to Brighten Empower Prime or Brighten Boss® Prime variable rate
  • Max. $1.5m at 80%LVR
  • $0 Risk Fee up to $1m

All Brighten Resident products

  • Investment loans interest rate loading reduced to 0.15%p.a.

For more information please contact your BDM or State Manager.

*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Silly Season Rewards

As we approach the end of 2021, Lumi is launching their Silly Season Rewards, which will give you a great opportunity to get more for the deals you close with them from now until the end of the year.

To find out more about the Silly Season Rewards, download the brochure here.


Feel free to reach out to discuss any client scenarios and the Lumi team would be happy to assist with the application. If you are ready to submit your client's application, you can do that via our partner portal here. In case you have not been accredited yet, follow the simple steps online here.

Prime IO Investment Rates

Resi prides itself on the product offering available, which we continue to evolve as we go. We want to highlight our Prime IO Investment rates, which match our P&I offering. An excellent option for clients looking to invest and maximise their tax benefits.

If you missed the last newsletter, ss part of RESI's "Spring Promotion" - we are pleased to announce a reduction in Investment Rates across several LVR bands for the Essentials Near Prime product.


Details are as follows.

Essentials Near Prime Full Doc INV P&I

  • Up to 60% - reduced to 3.35% (from 3.50%). Comparison Rate of 3.41%.


Essentials Near Prime Full Doc INV IO

  • 0%-60% - reduced to 3.50% (from 3.80%). Comparison Rate of 3.56%.
  • 60.01%-70% - reduced to 3.65% (from 3.80%). Comparison Rate of 3.71%.
  • 70.01%-80% - reduced to 3.75% (from 3.95%). Comparison Rate of 3.81%.

RESI Rate Card

*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.