Residential loan specialists

Flexible residential finance lending solutions for self-employed or PAYG borrowers. Full transparency, no surprises.

Residential loans

Loan amount $100K - $5M
Terms Up to 30 yrs / 5 yrs IO^
Type Interest Only or Principal & Interest
LVR Up to 80%*
Options Full Doc and Mid Doc
Servicing Most recent financial information
Income verification Full Doc or statement of self-certified income supported by 1 of 6 options**

*Up to 75% LVR where loan amount exceeds $2.5M. ^Interest Only loans. **Please see product guides for more information on income verification for all residential products.

Alternative income verification

Full Doc and Mid Doc options available

Self employed & PAYG

Innovative loan solutions

Exclusively partnering with brokers

No channel conflict

Residential lending solutions simplified

We provide residential loans for self-employed and PAYG borrowers, including individuals, companies (public or private), trusts, partnerships, and registered business names, to help customers achieve their goals of acquisition, refinance or equity release. We have a simplified process with no credit scoring, where all applications are assessed on their merits.

Relationship Managers to workshop all scenarios
Simplified accountant’s letter
Utilisation of Comprehensive Credit Reporting
Rates are based on LVR and loan size, not loan purpose
ABNs less than 2 years considered
Flexible cash out for business or personal use
All loans assessed on their merits
No Debt to Income (DTI) maximum

Residential niche sheet

Thinktank’s team has consistently delivered exceptional solutions for my clients, showcasing not only a commendable level of service but also a strong commercial mindset that ensures optimal value. Their diverse range of innovative products offered has been instrumental in addressing a variety of needs for investors and small business owners alike.

Brad Nolan | Director Eastern Financial Solutions

Thinktank have helped many of our clients purchase and refinance via their SMSF. The process is simple, efficient with great products available. Can’t recommend highly enough.

Mitch Woods | Director & Mortgage Broker Ynance

My recent interaction with Thinktank on a self employed application was nothing short of amazing. Going forward I’ll have no hesitation in bringing many more customers to them for their common sense approach and commitment to service. …responsiveness and willingness to understand and workshop scenarios is second to none, and the credit assessor was the best credit person I have ever dealt with in my time as a broker, they just get it.

Mel Falanga | Principal Yellow Brick Road

Over the last several months, they have supported us with dedication, expertise and commitment… As mortgage brokers, we rely heavily on the support and collaboration from Lender BDMs. Their ability to put deals together, liaise with credit and settlement teams and optimise the loan process has been invaluable. Not only have they helped us to get several loans approved, but have also consistently ensured a seamless and positive experience…

Kevin Lin | Director Mortgage IP