---
title: More flexibility, inclusion, and opportunity with Retro & Link
description: More flexibility, inclusion, and opportunity with Retro & Link
image: https://afgonline-com-au-2946851.hs-sites.com/hubfs/GettyImages-2207097496.jpg
---

# More flexibility, inclusion, and opportunity with Retro & Link

[ AFG ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/author/afg) 18 December 2025 10:11:39 AM

![A young couple at a table reviewing home-loan documents, representing first-home buyers exploring AFG Home Loans options.](https://afgonline-com-au-2946851.hs-sites.com/hubfs/GettyImages-2207097496.jpg)

## Expanded policies to help you say YES to more clients.

AFG Home Loans’ Retro and Link products have levelled up. With expanded lending policies designed to increase flexibility and promote financial inclusion, these changes open up new opportunities across key borrower segments, from First Home Buyers and self-employed clients to investors and SMSFs.

## Key updates at a glance

First Home Buyers:

- Retro Full Doc now offers up to **95% LVR (including LMI)** and no genuine savings requirement.
- Link Premium also sees an** LVR increase to 90%,** helping more first-time buyers access the market, with the added benefit of an automatic switch to Retro after 12 months of good repayment history.

Self-Employed Borrowers:

- Retro Lite (Low Doc) loans now offer **up to 90% LVR,** making it easier for self-employed customers to buy sooner without the traditional documentation hurdles.

 Investors:

- Retro and Link now offer** 10-year interest-only (IO) **terms at initial approval — removing the need for re-assessment after five years.
- Investors can now choose between **5, 10, or even 40-year IO options**, allowing tailored repayment strategies to suit cash flow, lifestyle, and long-term portfolio management.
- **Rental income shading** has also been reduced to **10%**, further improving serviceability.

## What this means for brokers

These policy updates make it easier for brokers to serve a wider range of customers, particularly those who’ve traditionally faced barriers such as limited savings history, self-employment income, or investor policy restrictions.

By offering broader lending criteria and longer IO options, Retro and Link are helping brokers deliver more financially inclusive solutions, without compromising on product quality or flexibility.

## Have a scenario?

If you would 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?utm_campaign=24131700-Retro%2FLink%20Policy%20Expansion%20AUG25&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz--H2PSXMp7bm0yt8MEfPTo9m8eV5zZuKmWg3CefkaGHclh4d_pltNTsScKz6Cf5TdXy1p6Q)and send it to [scenarios@afghomeloans.com.au.](mailto:scenarios@afghomeloans.com.au)

 

If you have any other questions, please don’t hesitate to speak to your AFG Home Loans [BRM.](https://afgonline-com-au-2946851.hs-sites.com/hubfs/AFG%20Home%20Loans/AFGHL-5685%20BRM%20contact%20sheet%20update%20v04.pdf?utm_campaign=24131700-Retro/Link%20Policy%20Expansion%20AUG25&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz--H2PSXMp7bm0yt8MEfPTo9m8eV5zZuKmWg3CefkaGHclh4d_pltNTsScKz6Cf5TdXy1p6Q)

[AFG Home Loans](http://afgonline-com-au-2946851.hs-sites.com/pm-update/tag/afg-home-loans)

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## Stay up to date with the latest updates

 View all of the latest articles to help enable you to grow and succeed as a mortgage broker with AFG. 

[ View all ](https://afgonline-com-au-2946851.hs-sites.com/pm-update)