Retro Lite Specialist
Home LoansAFG Home Loans -Retro
A low doc OO/INV variable home loan with both P&I and IO rate for non-conforming customers
- From (owner occupied)
- 6.99%
- 7.91% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.99% | 7.91% | Loan Amount TierLVR Tier |
| Variable | 6.99% | 7.93% | Loan Amount TierLVR Tier |
| Variable | 6.99% | 7.91% | Loan Amount TierLVR Tier |
| Variable | 6.99% | 7.93% | Loan Amount TierLVR Tier |
| Variable | 7.19% | 8.11% | Loan Amount TierLVR Tier |
| Variable | 7.19% | 8.13% | Loan Amount Tier |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Service Fee | Event | $330.00 |
| Settlement Fee | Upfront | $699.00 |
| Valuation Fee Full fee charged to customer. The Valuation Fee range is an estimate. Valuation Fee may be less than the Fee Minimum noted or greater than the Fee Maximum noted. | Upfront | $300.00 – $700.00 |
| Trust application Fee Applicable only to Trust applicant | Event | $300.00 |
| Risk Fee 0.50% up to 60% LVR / 0.70% for 60% <= 70% LVR / 1.00% for >70% LVR | Upfront | 0% |
Features
- Extra repayments — Additional repayments
- More frequent payments are permitted and additional repayments may be made at any time.
- Offset account — Offset account
- Up to four 100% offset facilities with no ongoing fees
- Redraw facility — Redraw
- Minimum manual redraw of $3,000
- Digital banking
- Internet and mobile banking available
- Self Employed Income Confirmation - Customer financial declaration plus one form of income verification — Self certified income
- Up to 10 years Interest Only — 10 year IO term
- Maximum four splits are offered
Eligibility
- Individuals only — Individuals
- Business customers — Non-individual borrowersRegistered Australian companies, subject to taxation. Trustee companies acting on behalf of trusts
- Minimum age — 18 yearsIndividuals (natural persons, including as Trustee of a Family Trust) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.
- Applications for home loans are subject to the Bank's normal credit approval.
- Residency status — Borrowers, mortgagors, and guarantors must reside in Australia and one of the following: Australian Citizen or Australian Permanent Resident. Individuals who hold a Partner/Spousal Resident Visa (e.g., Subclass 309, 820) are permitted, on the basis that a joint application is submitted with one of the above defined eligible borrowers.
Constraints
- Maximum balance — $2,000,000.00Maximum group exposure is $2 mil
- Maximum LVR — 80%Maximum LVR: 80% plus risk fee
Published by AFG Home Loans - Retro under the Consumer Data Right · Last updated 6 July 2026 · Product ID b0397994-4a76-4123-9462-506ca0da410a