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Broker’s Frequently Asked Questions

Broking partner queries

This Broker FAQ page from Apex Finance Brokers (AFB) provides clear answers to common questions about our mortgage lending solutions, eligibility, documentation and assessment processes. It helps accredited mortgage brokers understand AFB’s specialist, alt-doc and non-conforming loan options so they can confidently place suitable solutions for their clients.

Who is AFB?

Apex Finance Brokers is a family-owned non-bank mortgage lender with over years of experience. We specialise in providing flexible home loan solutions, assisting borrowers in securing their financial future.

Your client’s borrowing capacity depends on their income, financial situation (any existing loans/ commitments), and the property used as security. AFB provides loan calculators to assist in evaluating your borrowing capacity.

The maximum loan amount is up to 80% of the property’s value (Loan-to-Value Ratio of 80%).

AFB offers a range of interest rates tailored to individual circumstances. Each loan application is assessed by our team to determine the most appropriate rate. Factors influencing the final rate include:

  • Type of residential property used as security (owner occupied or
    investment)
  • Source of income
  • Credit history
  • Loan-to-Value Ratio (LVR)

Yes. AFB Specialises in flexible lending solutions and assesses loan applications with a forward-looking approach. We consider:

  • Paid and unpaid defaults
  • Late payments and arrears
  • Discharged bankrupts

Our goal is to help clients overcome past financial challenges and achieve their future financial objectives.

Yes. AFB permits refinancing of unlimited debts, including the payout of ATO debts, facilitating comprehensive debt consolidation.

Explore AFB’s debt consolidation loan options:

Yes. We allow an add-back for interest charged on investment property loans, provided rental income from the property is included (typically add-back is capped at 30%, subject to flexibility).

Yes, Alt doc and Low doc are used interchangeably.

Yes, but additional loading may apply. Check with your BDM for accurate details.

AFB does not offer unsecured personal loans. However, we may consider equity release against home loans, capped at 80% LVR. Further terms and conditions may apply.

AFB does not provide car loans. However, we may consider equity release against home loans, capped at 80% LVR. Further terms and conditions may apply.

AFB offers flexible documentation options:
  • Full Documentation: Income Tax Returns (ITRs), one year of financial statements, up-to-date tax portals, and three months of bank statements.
  • Alternative Documentation: Options include:
    • Customer declaration and accountant’s letter
    • Six months of Business Activity Statements (BAS)
    • Six months of business or personal bank statements
  • Flexible Options: Provide available documentation, and we will work with you to assess your application.
No. When assessing personal borrowing capacity, AFB excludes company debts from the assessment.
No. Generally, AFB does not include company debt repayments when evaluating personal serviceability for home loans.
Check our Frequently Asked Questions (FAQs) for more details or contact AFB today – our specialists are ready to assist with your loan application.
FAQs - Have questions about your loan application? Contact AFB today – our specialists are ready to assist with every step of your loan process.
Thank you for submitting the form!

Please allow our team 24-48 hours to review your documents and get in touch. For urgent assistance, Email us at appointment@appexbrokers.com.

You can Email us at appointment@appexbrokers.com to clarify your questions.

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