--- title: Clone Test 3 description: Image of a tradesperson taking a phone call. image: https://afgonline-com-au-2946851.hs-sites.com/hubfs/Why%20Retro%20Lite%20is%20right%20for%20self-employed%20borrowers.jpg --- AFG Home Loans # Clone Test 3 Image of a tradesperson taking a phone call. [ AFG ](http://afgonline-com-au-2946851.hs-sites.com/afg-broker-updates/author/afg) Jun 26, 2026 --- AFG Home Loans’ **Retro Lite and Link Lite** products have stepped up, delivering stronger serviceability outcomes and longer-term flexibility for self-employed borrowers who don’t always fit the traditional lending mould. With enhanced Interest Only options, improved rental income treatment, and higher maximum LVRs, these updates are designed to boost borrowing capacity, smooth cashflow, and help brokers say **yes** to more complex self-employed scenarios. **Retro Lite Policy Updates** - **10-year Interest Only terms** now available under Retro Lite, doubled from the previous five years, giving clients greater cashflow certainty and long-term repayment flexibility. - **Improved rental income treatment**, with shading reduced from **20% to 10%**, materially increasing serviceability and borrowing power. - **Strong serviceability assessments** that take a realistic view of business income and expenses. - **Negative gearing benefits** further support servicing strength for investment clients. - **Maximum LVR increased to 90% (inclusive of LMI)**, allowing self-employed borrowers to purchase or refinance sooner. **When Retro Lite isn’t quite the right fit** For self-employed customers with more complex credit profiles, **Link Lite** provides an alternative pathway with additional flexibility, including: - Credit impairments or past mortgage arrears - Discharged bankruptcy - Shorter-term ABNs - Unlimited debt consolidation requirements - A highly competitive risk fee structure Together, Retro Lite and Link Lite ensure brokers have solutions across a broader spectrum of self-employed borrower needs. **What this means for brokers** These enhancements give brokers greater confidence when structuring deals for self-employed customers, particularly investors, by improving serviceability, extending IO options, and removing unnecessary friction around documentation and income assessment. The result is **more approvals, better client outcomes, and stronger long-term lending solutions**, without compromising on credit integrity. **Have a scenario?** If you’d like to workshop a scenario with one of our dedicated credit specialists, please use this [template ](https://lenders.afgonline.com.au/wp-content/uploads/2018/10/AFG-Home-Loans-scenario-template.pdf)and send it to [**scenarios@afghomeloans.com.au**](mailto:scenarios@afghomeloans.com.au). For anything else, don’t hesitate to speak with your **AFG Home Loans BRM.** [AFG Home Loans](http://afgonline-com-au-2946851.hs-sites.com/afg-broker-updates/tag/afg-home-loans) ## Similar posts Partner Connect ### [Clone Test 8](http://afgonline-com-au-2946851.hs-sites.com/afg-broker-updates/clone-test-8) Many assume they’ll never need to make a claim, but AIA’s claims data tells a different story. AIA Financial Wellbeing Jun 26, 2026 Lender Spotlight ### [Clone Test 11](http://afgonline-com-au-2946851.hs-sites.com/afg-broker-updates/clone-test-11) In today's ever-changing financial landscape, diversifying your income streams has become a necessity for businesses of all sizes. Whether you're an... AFG Jun 26, 2026 Partner Connect ### [Clone Test 2](http://afgonline-com-au-2946851.hs-sites.com/afg-broker-updates/partner-connect-partner-of-the-month-bond-property-lawyers) Making property transactions simple for you and your clients. AFG Jun 26, 2026 ### Get notified on new marketing insights Be the first to know about new B2B SaaS Marketing insights to build or refine your marketing function with the tools and knowledge of today’s industry.