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Business Presentation

Our Fantastic Products

When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by choice doesn’t mean you should take whatever is offered to you first. Contact us for information about different types of mortgage loans and we will be happy to explain them and help you find one that suits your needs and preferences.

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USELECT FINANCE TEAM

01

  • Max LVR: 80%

  • Max Loan Amount: $2,000,000

  • 48 hours Formal Approval*

  • Easy Documents for PAYG (2 Payslips + Employment letter)

  • Friendly Cash Out

  • Vacant Land Accepted

  • No Monthly or Annual Fees

  • DA approval is considered

USELECT FAST SERIES

This is an excellent product if you want to have your finance approval with 48 hours (T&C apply）

Excellent pick if you are PAYG 

02

USELECT PRIME SERIES

The competitive rate for your loan and taking multiple sources of income to serve the loan. 

We say YES to to "life" situation.

AND MORE TO FIND OUT!

  • ​​​​Max Loan Amount: $2,000,000

  • Different Income Resources Are Accepted

  • 90% Rental Income Taken

  • 100% Negative Gearing 

  • Wide Range of Security

  • Great Borrowing Power

  • Private Insurance within HEM 

  • Investment Property Expenses within HEM

  • No LMI for LVR 85%*

  • Up to 40 years loan term

  • Friendly Cash Out

03

  • Max LVR: 80%

  • Max Loan Amount: $2,000,000 Per Security

  • Only Income Declaration is required for submission

  • 48 hours conditional approval

  • 100% offset facility

  • Construction is considered

USELECT SIMPLE SERIES

Easy and simple way to have your finance ready if you are Self-employed. 

NO financial statements* are required so we call it "SIMPLE"!

04

USELECT NON-RESIDENT

We help non-residents with their finance needs when they want to invest in the Australian market or if they are on the way to becoming permanent residents of Australia.

  • Max LVR: 80%

  • Max Loan Amount: $2,500,000 Per Security

  • ​Self-employed Alt Doc Accepted

  • 48 hours conditional approval

  • 100% offset facility

  • Market Leading Rate 

  • 90% Net Income Used for servicing

  • Friendly Cash Out

05

  • Max LVR: 75%

  • Loan up to $5,000,000

  • Lease Doc/Alt Doc/Full Doc

  • Self-employed Alt Doc Accepted

  • No Annual Review

  • Loan Term up to 30 years

  • Easy Servicing

  • No Financial Statement required if Lease Doc

USELECT COMMERCIAL 

Commercial could be a easy one for us, taking PAYG and/or self-employed for commercial, or maybe even simple, no active income? no worries, we taking your passive income, take to us to find out how?

06

USELECT EXPAT

We help CITIZEN and permanent resident of Australia who is working and living oversea as we know Australia is always your HOME. 

  • Max LVR: 80%

  • Max Loan Amount: $2,500,000

  • Visa 188/444/485/489/500/491 and more

  • Loan Term up to 30 years

  • Market Leading Rate

  • Easy Servicing

  • Construction Allowed

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