Capital Specialist Rates - Better Mortgage Management - bettermm ...

Capital Specialist Rates Effective from 30 October 2018

Capital Specialist Uber LVR Full Doc Up to 60% LVR 4.84% 60% to 70% LVR 5.04% 70% to 80% LVR 5.29%

I/O 5.19% 5.39% 5.64%

*Risk Fee 0.50% of loan 0.50% of loan 0.50% of loan

Alt Doc 4.94% 5.14% 5.39%

I/O 5.29% 5.49% 5.74%

*Risk Fee 0.50% of loan 0.50% of loan 0.75% of loan

Commission 0.60% upfront 0.15% trail 0.60% upfront 0.15% trail 0.60% upfront 0.15% trail

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Current Promotion ending 21/12/2018 - Loans over $1M 0.15% loading waivered. NO Settlement Fee

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From 30th October 2018 reduction of 0.50% *Risk Fee for all Residential loans.

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Alt doc option to supply one of either accountants declaration or last 2 quarters BAS or 6 months trading statements

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Full doc option to supply one of either 2 Years full financials or 1 Year Full Financials + 2 most recent BAS

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Category 1 & 2 (Assessment is based on suburb/town check)

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No Vacant Land or Apartments

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No Defaults and Arrears / Late Mortgage repayments

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Business Use OK. Tax Debt OK.

Capital Specialist Gold LVR Full Doc Up to 60% LVR 5.39% 60% to 70% LVR 5.54% 70% to 80% LVR 5.74% 80% to 85% LVR 6.89%

I/O 5.74% 5.89% 6.09% 7.24%

*Risk Fee 0.50% of loan 0.50% of loan 0.75% of loan 1.25% of loan

Alt Doc 5.64% 5.79% 5.99% 7.14%

I/O 5.99% 6.14% 6.34% 7.49%

*Risk Fee 0.50% of loan 0.75% of loan 1.00% of loan 1.50% of loan

Commission 0.60% upfront 0.15% trail 0.60% upfront 0.15% trail 0.60% upfront 0.15% trail 0.60% upfront 0.15% trail

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Current Promotion ending 21/12/2018 - Loans over $1M 0.25% loading waivered. NO Settlement Fee.



From 30th October 2018 reduction of 0.50% *Risk Fee for all Residential loans.

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Unlimited cash out up to 80% LVR (including for business purpose)

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Debt consolidation (including ATO debts + Accountants Debt)

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1 year ABN (registered for GST where required)

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Any number of defaults 3 years OK

 Alt doc option to supply one of either accountants declaration or last 2 quarters BAS or 6 months trading statements

Capital Specialist New Start LVR Full Doc Up to 60% LVR 6.99% 60% to 70% LVR 7.29% 70% to 80% LVR 7.59%

I/O 7.34% 7.64% 7.94%

*Risk Fee 0.75% of loan 0.75% of loan 0.75% of loan

Alt Doc 7.24% 7.54% 7.84%

I/O 7.59% 7.89% 8.19%

*Risk Fee 1.00% of loan 1.00% of loan 1.00% of loan

Commission 0.60% upfront 0.15% trail 0.60% upfront 0.15% trail 0.60% upfront 0.15% trail

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Current Promotion ending 21/12/2018 - NO Settlement Fee.

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From 30th October 2018 reduction of 0.50% *Risk Fee for all Residential loans.

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Cash out up to $250K

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Debt consolidation (including ATO debts + Accountants Debt)

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1 year ABN (registered for GST where required)

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Vacant land available with credit impairments (1 acre max, cat 1 only) 1% rate loading

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Any number of defaults/judgments are ignored if