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Near Prime
A simple home loan for customers who require more flexibility.
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Near Prime may be the best fit for PAYE or self-employed customers with clear credit, but don’t quite meet the requirements to be eligible for Prime. Near Prime offers more options for consolidating debt, with multiple ways to prove your self-employed income.
Product Features
- Borrow up to $1.5m
- Up to 80% LVR
- Short term and casual employment accepted
- NZBN 12 months
- For self-employed, only one income verification document is required for Alt Doc loans
- Judgements & defaults up to $1000 or older than 24 months old ignored
- Unlimited debt consolidation, including tax debt, business debt or privately funded loans
- Cash out up to $500k (<75% LVR) and $200k (>75% LVR)