Self-employed? Credit history issues? Income that doesn’t tick the standard boxes?

Kogan Money is about finding a solution, whatever your individual circumstances.

In the current environment, some of our regular home loan options may not be available. We are happy to discuss your situation to see if we can help.

The Choice Home Loans range may be suitable if you are:

Self-Employed Non-Standard Income Bad Credit
  • Self-employed (6 months ABN accepted)
  • Looking to pay out business or tax debt
  • Incomplete tax returns (alternative income documentation accepted)
  • Refinance or cash out for approved business purposes
  • Self-employed income
  • Full time / part time / casual / second job
  • 80% rental income
  • Family payments – Part A and B
  • Child support
  • Pension
  • Past defaults (paid or unpaid)
  • Discharged bankruptcy (more than one day)
  • Late payments
  • Mortgage arrears (within last 6 months)
  • Part IX or X debt agreements

Choice Home Loan Variable Interest Rates (for new home loans)

Enjoy these rates until 30 June 2021**

Choice Prime


Choice Near Prime


Choice Specialist


A home loan suited to those with a clear credit history.

A home loan suited to those who haven’t
had a credit problem in the last 2 years.

 

A home loan suited to those whose circumstances have made getting a loan challenging.

Variable Interest rate starting from:*

*2.35% p.a.

*2.55% p.a.

Comparison rate^

Variable Interest rate starting from:*

*3.29% p.a.

*3.57% p.a.

Comparison rate^

Variable Interest rate starting from:*

*4.59% p.a.

*4.89% p.a.

Comparison rate^

 

For full rates and fees speak to a lending specialist on 1300 025 888.

Award-winning flexibility starts here.


Whether you’re buying your first home, refinancing or investing, we offer award-winning, flexible variable interest rates, with lots of great features.

 

Suited to borrowers looking for:

  • A great low rate
  • Flexibility with repayment frequency and free redraw
  • Access to Offset sub-account
  • Interest only payments available
  • Available for purchases, refinances, debt consolidation or home equity
BORROWING POWER CALL 1300 025 888 ENQUIRE NOW