Business Details
8 Years
experience
Trusted Loan Solutions for Home and Business
Better Choice Home Loans has been a trusted name in the Australian lending industry since 2018, offering innovative residential and commercial loan solutions tailored to modern borrower needs. As part of the BNK Banking Group, we combine the agility of a non-bank lender with the pricing power and policy diversity of a major financial institution. Our team of experienced professionals delivers personalized service, competitive rates, and streamlined processes including 2-hour scenario responses and waived fees for accredited brokers.We prioritize strong relationships with clients, brokers, and partners while maintaining strict compliance with Australian Credit Licence 378333 standards. Our product suite caters to diverse financial situations, including self-employed individuals, investors, and those with credit impairments, ensuring accessible solutions across Category 1-3 locations nationwide.
Services
Residential Loans
Commercial Loans
Alt Doc Loans
SMSF Loans
Self Employed Loans
Details
- Year established: 2018
Highlights and features
- We offer 2-hour scenario responses with multiple solutions for brokers
- Our team provides personalized service backed by BNK Banking Group resources
- We specialize in loans for self-employed and credit-impaired borrowers
- We waive establishment fees on commercial loans until April 2025
- Our brokers receive 0.1% annual admin fee reductions on specialist loans
Services
Residential Loans
Our residential loan products combine competitive rates with flexible features for owner-occupiers and investors. We offer standard, specialist, and self-employed solutions with personalized service through accredited brokers. Loan terms up to 30 years and LVRs up to 80% cater to diverse borrower profiles including those with credit impairments.
Commercial Loans
Tailored commercial financing solutions for property investors and business owners. Product range includes full doc, alt doc, lease doc, and specialist loans with LVRs up to 80% and terms up to 30 years. Features like interest-only periods, redraw facilities, and cash-out options support various investment strategies.
Alt Doc Loans
Flexible verification options for non-traditional borrowers with maximum LVR of 80%. Designed for self-employed individuals needing declared income verification through accountant letters or business statements. No annual reviews required with loan amounts up to $4 million for eligible applicants.
SMSF Loans
Specialist financing for self-managed super funds with waived fees and competitive rates. Products include ultimate SMSF loans with no annual or monthly charges, featuring LVRs up to 70% and terms up to 20 years for residential property investments.
Self Employed Loans
Dedicated mortgage solutions for self-employed professionals with minimum 12-month trading history. Offers flexible income verification options and LVRs up to 80% for residential purchases or refinancing, with terms up to 30 years and interest-only periods available.
People
Scott Smith
Senior Partnership Manager Residential NSW
With over 15 years in mortgage broking, Scott specializes in residential loan solutions for NSW clients. He focuses on building long-term broker relationships and streamlining loan approvals through Better Choice's innovative platforms.
Robyn Hadlow
National Manager Commercial
Robyn leads the commercial lending team with expertise in alternative finance solutions. She has developed the division's product suite to address complex commercial property needs while maintaining competitive pricing structures.
Kathryn Whitney
Relationship Manager WA
Kathryn manages Western Australian broker partnerships, providing tailored loan solutions for diverse borrower profiles. Her background includes risk assessment and credit policy development for non-bank lenders.
Graeme Norris
Senior Business Development Manager VIC & SA
Graeme supports brokers across Victoria and South Australia with loan structuring expertise. He specializes in complex cases involving credit impairments and alternative documentation requirements.
Scott Unicomb
Senior Business Development Manager QLD
Scott delivers Queensland-focused lending solutions with emphasis on investor loans and property development financing. His experience includes underwriting and portfolio management for non-bank institutions.
Questions
What loan types does Better Choice offer?
We provide residential, commercial, SMSF, alt doc, and specialist loans with flexible terms and LVRs up to 80%.
How quickly do you process loan applications?
Scenario submissions receive comprehensive responses within 2 hours, with multiple solution options for brokers.
Do you charge application fees?
No application fees apply for Alt Doc, SMSF, and Lease Doc products. Establishment fees waived until April 2025.
Can self-employed borrowers qualify?
Yes, with minimum 12-month trading history and alternative income verification options available.
What areas do you service?
Nationwide coverage including capital cities, regional centres, and Category 1-3 locations across Australia.
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