loans.com.au's Variable Bold Alt Doc Home Loan is a fully featured mortgage with a variable rate, offering flexibility to suit your needs. Borrow up to $3,000,000 (up to 80% LVR), choose principal and interest or interest-only repayments, and reduce interest with an optional offset sub-account. Available where at least one borrower is self-employed and requires an alternative method of income verification, such as Business Activity Statements.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.29% | 7.27% | Variable · investment · interest only · LVR 70% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.39% | 7.37% | Variable · investment · interest only · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 7.19% | 7.23% | Variable · investment · principal and interest · LVR 70% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.29% | 7.33% | Variable · investment · principal and interest · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 7.44% | 7.23% | Variable · owner occupied · interest only · LVR 70% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.54% | 7.33% | Variable · owner occupied · interest only · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 6.99% | 7.03% | Variable · owner occupied · principal and interest · LVR 70% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.09% | 7.13% | Variable · owner occupied · principal and interest · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
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- 1 Nov 2026
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https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bold-alt-doc-home-loan- Content hash
sha256 de292f58fc8620b3af2b4b74740137cabcb12c6bb453b5f41746051e6ca01e8f- Rule version
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Consumer Data Right product dataev_cdr_de292f58fc8620b3_fd163971Show details
- Checked
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bold-alt-doc-home-loan- Content hash
sha256 de292f58fc8620b3af2b4b74740137cabcb12c6bb453b5f41746051e6ca01e8f- Excerpt
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mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Settlement Fee | Event | $300.00 |
| Application Fee | Upfront | $0.00 |
| Security Assessment Fee | Upfront | Set in your letter of offer |
| Discharge Administration Fee | Exit | $300.00 |
| Discharge Documentation Fee | Exit | $250.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Enables access to any extra repayments made, allowing funds to be withdrawn if needed | |
| Extra repayments | Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. | |
| Offset | An optional linked sub-account where the balance offsets the loan principal, reducing the interest charged | |
| Eligibility: employment status | Self employed | Available where at least one borrower is self-employed and requires an alternative method of income verification, such as Business Activity Statements. |
| Eligibility: min age | 18 | Applicants must be at least 18 years old to apply for this loan |
| Eligibility: residency status | Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia. | |
| Limit: other | P30Y | |
| Limit: other | P15Y | |
| Limit: min limit | 50000.00 | |
| Limit: max limit | 3000000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 7.29% | 7.27% |
| Variable · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 7.44% | 7.23% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.39% | 7.37% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 7.13% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 7.03% |
| Variable · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 7.19% | 7.23% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.54% | 7.33% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.29% | 7.33% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
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