OUR LOAN TYPES
Blue Whale Money provides loan solutions for every goal
Full Doc - PAYG & Self-Employed
For those with complete financials. Ideal for PAYG earners and self-employed individuals who can provide full income verification.
Full Doc - PAYG & Self-Employed
- No comprehensive credit report required
- High-density apartments can be accepted
- Up to $2m loan amount per security
- Only 2 payslips and employment letter required for PAYG applicants
- Individual, Company or Trust applicants
Alt Doc
Perfect for self-employed without traditional income proof. Flexible options using BAS, bank statements, or an accountant’s letter.
Alt Doc
- $0 Risk Fee up to 80% LVR (Prime only)
- One Form of Income Documentation
- Loan Size Up to $2,500,000
- Min.1 Day GST Registration
- 100% Redraw Offset Facility Available
Australian Expatriate
A tailored loan for Aussies living overseas. Invest in Australian property with ease, no matter where you are in the world.
Australian Expatriate
- Australian Citizens, Permanent Residents or Temporary Residents with Income in AUD or an Acceptable Foreign Currency
- Loan Size Up to $3,500,000
- 100% Redraw Offset Facility Included
Non-Resident
Designed for foreign nationals and Aussies residing abroad. We help non-residents secure finance for property investments in Australia.
Non-Resident
- Non-Residents or Residents Borrowers with Non-Australian Sourced Income
- Self-employed Alt Doc Accepted
- Max. Loan Size $2,500,000; Max. LVR 80%
- Cat1 and 2 Postcodes Accepted
- 100% Redraw Offset Facility Included
Construction
Ideal for building or renovating. Funds are released in stages to match your construction progress, offering flexibility and support.
Construction
- Available to Full Doc Prime, Alt Doc Prime, Expat and Non-Resident Borrowers
- IO Repayment During Construction
- After Construction, revert to Brighten Empower Prime, Brighten Boss® Prime, Brighten Elevate or Brighten Evergreen Variable Rate
- Full Doc, Alt Doc, Expat: Max. $2,000,000 NonResident: Max. $1,000,000
Bridging
For buying a new property before selling your current one. A short-term loan that makes moving into your next home hassle-free.
Bridging
- Loan Size up to $2,500,000
- Peak Debt: ≤$1,500,000 Max. 80% LVR; ≤$2,500,000 Max. 70%LVR
- Bridging Period 6-12 months; Total loan term up to 30years
- During the Bridging Period, the interest budget will be retained, and no repayment will be required.
Commercial
Tailored for businesses investing in commercial property. Competitive rates and flexible options to support your business growth.
Commercial
- Full Doc, Low Doc and Lease Doc
- High-density apartments can be accepted
- Up to $2m loan amount per security
- Only 2 payslips and employment letter required for PAYG applicants
- Individual, Company or Trust applicants
get in touch
Learn more about our loan types
Have questions about our loan options? We’re here to help!
Reach out to our team for personalised assistance and detailed information on the loan types that best suit your needs. We’re ready to guide you through the process and answer any inquiries you may have.
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