Yes, if you meet a few basic criteria, 5.44% is within reach. We’ll confirm based on your situation, but generally, clean credit (we can help you clean your credit before application), any positive income on your tax return (even just $1), and ≤80% LVR are the key. We then match you to the best-fit low-doc lender in our network. These are established lenders offering real loans at competitive rates – this isn’t a “teaser” or gimmick.

The rate we secure (e.g. 5.64%) is typically variable in line with market conditions, not a short-term intro rate. Because the loan is designed for self-employed people, the lender is comfortable with your documentation profile. As long as market rates stay around current levels, you’ll enjoy that low rate. And when rates drop in general, yours should too. Plus, if your financials improve, we can always help you refinance again to an even better deal down the track. Think of it as stepping stones to prime rates – without ever overpaying in the meantime.

We do a cost-benefit check with you. In most cases, the interest savings dwarf any refinance costs. For example, saving $5k a year means even if there are a few thousand in refinance costs (typically much less), you’re still way ahead in the first year. We’ll outline any fees clearly (application or settlement fees, etc.) before you proceed. No surprises. Our initial consultation is free and doesn't require credit checking so that you can explore your options without any obligation or impact on your credit score.

Not at all. We know entrepreneurs’ time is precious. That’s why we handle the process A to Z. After a quick chat and providing a handful of documents, you can leave the heavy lifting to us. We communicate on your behalf with valuers, lenders, and whoever else, while you focus on your business. Many applications are approved in days, not weeks, since low-doc loans skip the slow, nit-picky auditing of every line of your financials by the banks. We’ll keep you updated, but you won’t need to chase us – we pride ourselves on proactive communication (our clients often mention how we “kept them in the loop” and reduced their stress).

That’s exactly why we’re here. Big banks saying “no” or making high rate offer doesn’t mean you can’t get a loan. Freedom Loans has been helping Aussies that the banks ignore since 2003. We have relationships with flexible lenders and know how to present your case. A lot of our happiest clients came to us after being turned down elsewhere – and we found a solution. So don’t be discouraged. We thrive on tough cases! If there’s a way, we’ll find it.