Why Choose Smart Saver Variable?
A loan product built for borrowers who don't fit the standard mould — with fewer requirements and faster processing.
1 Year Tax Returns Only
(for 80% LVR)
NO Notice of Assessment Required
Less paperwork, faster approval
NO Bank Statements Needed
Streamlined verification process
Max Loan Amount of $2M
For eligible borrowers
NO Unpaid Defaults
Clean credit history required
Loan Details
| Product | Smart Saver Variable Rate |
| Loan Type | Variable Rate — Low Doc |
| Max Loan Amount | $2,000,000 |
| Max LVR | 80% (with 1 year tax returns) |
| Income Verification | 1 Year Tax Returns Only |
| Bank Statements | Not Required |
| Notice of Assessment | Not Required |
| Loan Purpose | Purchase & Refinance |
| Property Type | Owner-Occupied & Investment |
| Repayment Type | Principal & Interest / Interest Only |
Eligibility Criteria
Our streamlined verification process means fewer documents to gather and faster turnaround times — so you can get approved and move forward sooner.
Repayment Estimator
Get an instant affordability check — adjust the loan amount, rate, and term to see your estimated monthly repayment.
Max $2,000,000
Variable rate
Estimated monthly repayment (Principal & Interest)
$3,788/mo
Over 30 years · 6.49% p.a. variable
This is an estimate only and does not constitute financial advice. Actual repayments will vary based on your individual circumstances, lender assessment, and applicable fees. Seek professional financial advice before making any decisions.
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