PRODUCT MATRIX
Four products · 90% of broker scenarios covered
Each product is built for a scenario big banks keep rejecting. Click a card for the full rate card and policy notes.
Halo Prime · 95% LVR Owner-Occupied
LVR 95%The flagship product for first-home buyers and steady PAYG households. Up to 95% LVR with First Home Guarantee compatibility, rates aligned with Bendigo / Macquarie, 48-hour decisions.
Halo Flex · Self-employed & alt-doc
LVR 85%Built for self-employed clients (1+ year ABN), overseas income earners, contractors. BAS + bank statements replace payslips. Max 85% LVR, 72-hour decision.
Halo Construction · Progress-draw build loan
LVR 90%Knock-down rebuild, House & Land, and land + build bundles. Max 90% LVR, 5-stage progress draws with no per-draw fee, 5 business-day decision, build window up to 24 months.
Halo SMSF · Super fund investment loans
LVR 70%Self-managed super fund property lending via LRBA. Max 70% LVR, $2M residential / $3M commercial caps, 7 business-day decision.