Retro Full Doc: the everyday prime solution for more of your customers
Retro isn't just for specialist scenarios. Retro full doc is the range's core prime product, and it may suit more of your customers than you think.
Did you know?
89% of Retro loans settled in FY26 were for Retro full doc, the range's core prime product.
Who these customers were
First home buyers
Key policies
- Up to 95% LVR inclusive of LMI
- No genuine savings requirement
Self-employed borrowers
Key policies
- Only one year’s ATO-lodged financials required
Investors
Key policies
- Interest-only terms up to 10 years from initial approval
- Rental income shading at 10%
- Cash-out up to $500k without documentary evidence
What this means for brokers
Retro full doc gives you one consistent prime product to place across a wider range of everyday scenarios, without defaulting straight to a major bank or a specialist alternative.
Resources for brokers
Self-Employed Case Study
Self-employed applicant looking to purchase without two years' financials
Debt Consolidation Case Study
Couple looking to pay off ATO debt and simplify multiple repayments into one loan
Have a scenario?
Workshop it with one of our credit specialists. Download the scenario template and send it to scenarios@afghomeloans.com.au .
For anything else, speak with your AFG Home Loans BRM
(Business Relationship Managers listed by state)
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