Still paying high Alt Doc / Lo Doc interest rates?
You may now qualify for a rate lower than the big banks discounted rates
Still paying high Alt Doc / Lo Doc interest rates?
You may now qualify for a rate lower than the big banks discounted rates
You only needed an Alt Doc loan to get started.
Now that you've built a solid repayment history, you may be able to refinance into a mainstream lending product with lower repayments and better features.
You only needed an Alt Doc loan to get started.
Now that you've built a solid repayment history, you may be able to refinance into a mainstream lending product with lower repayments and better features.
CLICK BELOW TO WATCH FIRST!
Answer a few quick questions to see if you may qualify for a lower-rate loan
You only needed an Alt Doc loan to get started.
Now that you've built a solid repayment history, you may be able to refinance into a mainstream lending product with lower repayments and better features.
TESTIMONIALS
Some recent clients thoughts on the value we provide
Simon Pak Poy
Simon Pak Poy is a Senior Mortgage and Finance Broker with Money Quest Newport, specialising in strategic lending solutions for business owners, professionals, property investors, and self-employed borrowers. With extensive experience across residential, commercial, SMSF, and complex lending, Simon helps clients structure finance that not only meets their immediate needs but also supports their long-term wealth creation goals. His advice goes beyond interest rates, focusing on lending strategy, borrowing capacity, cash flow, and building lasting financial flexibility.
This will help you see if you can qualify
Do I need to provide tax returns or an accountant's declaration?
No.
Many borrowers assume they'll need to provide years of financial statements to move back to a mainstream lender. Depending on your circumstances and the lender selected, refinancing may be possible without full financials or an accountant's declaration
Am I eligible to refinance my Alt Doc or Low Doc loan?
If you've demonstrated that you've successfully managed your current loan for at least 12 months—and refinancing will improve your financial position through a lower interest rate and reduced repayments—you may qualify for lending options that many borrowers don't realise exist.
Why am I still paying such a high interest rate?
Many self-employed borrowers took out an Alt Doc loan because it was the right solution at the time. The problem is that many loans are never reviewed, even when the borrower's circumstances have improved. As a result, people often continue paying specialist lending rates long after they may qualify for a lower-rate mainstream product.
How much could I save by refinancing?
Every situation is different, but refinancing may help reduce your interest rate, lower your monthly repayments, improve cash flow, and provide access to features such as offset accounts and redraw facilities.
We'll compare your current loan against suitable lenders and show you what the potential savings could be.
What loan features are available
#Up to 10 offset facilities
# Partial offset up to $20k p.a. on fixed rate loans
# Unlimited free redraws
# Salary crediting straight to your loan account
# Visa debit card linked to your home loan or offset facility
# Multiple loan splits, mix and match fixed and variable (up to 4 splits)
# Interest-only available for investment loans (up to 5 years)
# Take out extra cash, up to 3% of loan value, capped at $50,000
(excluding fees & charges)
Is there any cost or obligation for the initial review?
No. We'll review your current lending, discuss your goals, and let you know whether refinancing is likely to benefit you. If we don't believe you're better off refinancing, we'll tell you.
Will making an enquiry affect my credit score?
No. An initial strategy review is simply a discussion about your current loan and potential options. We won't submit a loan application or lodge a credit enquiry without first discussing it with you and obtaining your consent.
Why should I work with Money Quest Newport?
At Money Quest Newport, we believe great lending is about more than just finding a lower interest rate—it's about creating the right strategy for your financial future.
We specialise in helping business owners, self-employed borrowers, professionals, and property investors navigate complex lending scenarios that many lenders and brokers overlook. By understanding the lending policies of a wide range of banks and specialist lenders, we can often identify solutions that better suit your circumstances.
Our advice is tailored to your goals, whether that's reducing repayments, improving borrowing capacity, restructuring your loans, or building long-term wealth. From your initial strategy review through to settlement, we manage the entire process and provide clear, practical advice every step of the way.
For Self-Employed Borrowers Who Want To Escape Expensive Alt Doc Lending
Up to 10 Offset Accounts
Unlimted free redraw
Interest Only Options
Visa Debit Card
Multiple Loan Splits
Cash Out Available
Start your assessment
We don't just compare interest rates.
We provide strategic lending advice designed to improve your overall financial position.
That means considering your borrowing capacity, loan structure, cash flow, future investment plans, and the lending policies of different banks—not simply finding the cheapest loan.
Our goal is to recommend a lending solution that supports where your business is today and where you want it to be in the future.
Why Can We Help When Others Have Said No To A Refinance?
Many lenders assess self-employed borrowers using traditional documentation such as tax returns, financial statements and accountant's declarations.
If those documents don't fit the bank's policy, the answer is often simply "no."
We take a different approach.
We have access to specialist mainstream lending solutions, including lenders that place significant emphasis on your actual repayment history rather than relying solely on traditional financial documentation.
How it works
Getting started is easy. You can request a callback, book an appointment through Calendy, or schedule a Microsoft Teams meeting—whatever works best for you.
We'll have a quick conversation about your current loan, your business, and what you're hoping to achieve. We'll then review your situation and let you know whether you're likely to qualify, explaining your options in plain English with no jargon or pressure.
If refinancing is the right move, we'll take care of everything—from the paperwork to dealing with the lender—keeping you updated every step of the way. All you need to do is make the final decision and enjoy a loan that's better suited to where you are today.
Callista Enterprises Pty Ltd is a Credit Representative (No. 399562) of Money Quest Australia Pty Ltd, Australian Credit Licence 487823.
© 2017-2025 MoneyQuest Australia Pty Ltd, Australian Credit Licence 487823