HALO PRODUCT
Halo Flex · Self-employed & alt-doc
Built for self-employed clients (1+ year ABN), overseas income earners, contractors. BAS + bank statements replace payslips. Max 85% LVR, 72-hour decision.
- Max LVR
- 85%
- Decision
- 72h
- Policy updated
- 2026-04-20
Where it fits
Designed for self-employed + complex income clients — the profile banks' servicing models squeeze hardest. We underwrite off real cash flow. Flex's edge isn't rate — it's income flexibility.
Core policy
| Metric | Halo Flex | Peer alt-doc |
|---|---|---|
| Max LVR | 85% OO / 80% INV | 80% most |
| Income proof | 2 BAS quarters + 6m bank stmts | 4 BAS quarters most |
| ABN minimum | 12 months | 24 months |
| Variable rate | 6.89% p.a. | 6.89-7.24% |
| OS-income shading | CN/IN/PH 70%, NZ/UK/US/HK/SG 80% | CN 60% most |
| App fee | $495 | $495-995 |
ABN just past 12 months needs P&L + accountant letter.
Sweet-spot scenarios
ProfileSelf-employed trader · ABN 18mo · net $180k
Scenario$880k investment property, 20% deposit, BAS + 6m biz stmts
结果Halo Flex approved 85% — INV LMI waiver triggered
ProfileCN salary · PR 2 yrs
Scenario¥48k/month → ~$4,950 AUD shaded 70%
结果Halo Flex OO approved $720k, LVR 80%
Broker submission notes
Checklist:
- Latest 2 BAS + previous year tax return
- 12m business account + 6m personal bank stmts
- Accountant letter (declared annual income)
- Overseas income: employer letter + 6m offshore stmts + remittance trail
Relation to other Halo products
- PAYG clients → Halo Prime — Flex is 40-60bp more expensive for full-doc
- Self-employed + building → combine Halo Construction
- Self-employed SMSF → Halo SMSF
Rate card refreshing
Halo is updating this category's lender rate card. Check back shortly or ask a broker for live quotes.
Next step
Run a Halo Flex · Self-employed & alt-doc scenario
Drop client details into the scenario tool — 30 seconds later you get product fit + approval odds.
Run a scenario →