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Hejaz Financial Services

Hejaz Flexible
Home Finance

Lo-Doc friendly

Apply online
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About Hejaz Flexible Home Finance

The Hejaz Flexible Home Finance offers flexible features that cater to clients’ purchase or refinance requirements.

These include a free redraw facility and cash out for personal or business/investment needs. It is available to borrowers who can fully verify their income, as well as those who cannot. We cater to a variety of income verification methods to satisfy the loan servicing requirements. Such verifications may include up-to-date financials, BAS Statements, and Accountant’s letters just to name a few.

Pre-qualify for home finance

Features

Max Finance Amount of $25,000,000

Offset Facility

Redraw Facility

Cash Out

Unlimited Additional Repayments

20% Deposit

Finance requirements

PAYG

  • Last 2 payslips; plus
  • Letter of employment (signed & dated on company letterhead)

Minimu  employment criteria

Full-Time – Minimum 6 months. <6 months can be considered.

Part-Time – Refer to Full Time.

Casual – Minimum 6 months with current employment. <6 months can be considered.

Second Job – Minimum 12 months in current employment.

Contract – Must have worked in the same industry/role for a minimum of 24 months.

Self-Employed

  • Last 2 years’ financials/tax assessment notices
  • One Year Financial statements may be considered subject to the following and up to an 80% maximum LVR:
  1. Most recent accountant prepared tax return and recent NOA (individuals)
  2. Most recent accountant prepared financial statements (most current financial year required)
  • PLUS, the latest available BAS or 3 months trading statements to evidence current income is consistent with tax return where the tax return provided is over 6 months old and the LVR is greater than 65%.
  • ABN must be greater than 18 months.

Non-verified Income

  • Borrower repayment declaration; Plus one of the following:
  1. Accountant’s Letter
  2. 12 months BAS statements
  3. 12 months Trading Statements

Not enough deposit?

Grow your deposit with the Hejaz Deposit Builder Program.

Invest your funds in our Investment Grade Income Fund with quarterly predictable returns.

Learn more

Understand the home finance process

Getting a home loan can seem complex, even if you’ve bought property before. Here are the most common steps from application to settlement.

Learn more
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Popular home finance calculators

Try some of our helpful tools

How much can I borrow?
Stamp duty calculator
Extra repayment calculator
Finance offset calculator

Tips on Home Finance

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Making the financial advice industry sustainable

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How do I get started?

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Apply Online

Apply now by completing our online application form

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Contact us

Speak with our finance consultants.

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Hejaz Capital Pty Ltd ABN 44 161 857 478 T/As Hejaz Financial Services is a Corporate Authorised Representative of Hejaz Financial Advisers Pty Ltd ABN 49 634 683 613 AFSL 517686

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