Retro Lite: built for self-employed borrowing power

Written by AFG | 16 September 2026, 2:36:24 am Z

Not every self-employed customer has financials that reflect their current business performance. Tax returns can lag behind trading reality, especially for well-established businesses.

Retro Lite is designed to assess self-employed income more practically, looking at actual business performance rather than relying solely on historical tax returns — helping brokers support a wider range of purchase, refinance and investment opportunities.

Did you know?

Retro Lite settlements increased by nearly 20% in FY26, highlighting growing demand for flexible lending solutions among self-employed customers.

Who these customers were

54%

Owner-occupiers

Key policies

Flexible long-term repayment options
Suitable for purchase and refinance scenarios
Realistic view of business income and expenses

46%

Investors

Key policies

Rental income shading at 10%
Interest-only terms up to 10 years from initial approval
Strong serviceability

What this means for brokers

Retro Lite helps brokers support self-employed customers whose borrowing capacity may not be fully reflected through a traditional lending assessment.

With strong serviceability, investor-friendly policy settings and a practical approach to assessing business income, it provides another way to help self-employed customers purchase, refinance and invest with confidence.