We understand that everyone’s circumstances are different. So we take a flexible approach when assessing an application, because GO Flexi is designed to help borrowers who don’t fit a regular bank’s assessment mold. GO Flexi is a more personal approach to your loan application, where we take the time to understand your individual circumstances to help you find a loan that suits your needs. So if you’re self employed, have had issues with credit history, or earn income that doesn’t tick the bank’s standard boxes, turn a no into go - with GO Flexi.

  • 100% offset sub-account
  • Free redraw facility
  • Extra payment permitted
  • Visa debit card access
  • Interest only payments available

Prime

A simple home loan for borrowers with a clear credit history.

  • Non-genuine savings accepted up to 90% LVR or a minimum of 5% genuine savings is required
  • Cash out available up to 90% LVR
  • Paid defaults up to $500 may be considered
  • No third party Lenders Mortgage Insurance (LMI) approval required
  • Up to four debts can be consolidated

Near Prime

A balanced home loan for borrowers who haven’t had a credit problem in the last 2 years.

  • Non-genuine savings accepted
  • Cash out available for acceptable purposes including business use and ATO debt payout
  • No restrictions on length of employment for PAYG borrowers
  • Discharged from bankruptcy by 1 day considered
  • Unlimited debt consolidation

Specialist

A real home loan for borrowers whose circumstances have made getting a loan challenging.

  • Non-genuine savings accepted
  • Accept defaults registered less than 12 months ago
  • Mortgage arrears within the last 6 months accepted
  • Alternative income verification available with 6 month ABN registration & 6 month GST registration.
  • Discharged from bankruptcy by 1 day considered
  • Unlimited debt consolidation