Retro: one range, more ways to help your customers
AFG Home Loans Retro is a non-bank lender, built to work alongside the major lenders you already use. It's not just for specialist deals; it covers everyday prime, self-employed, investor, refinance, and credit-impaired customers. See how Retro can work for your next deal.
Retro range at a glance
Retro Full Doc
Typical customers
PAYG, investors, self-employed, first home buyers
Standout policy
100% of overtime, commission and bonus income accepted (conditions apply)
Retro Lite
Typical customers
Self-employed customers whose tax returns lag trading
Standout policy
Income confirmed by declaration plus one form of verification
Retro Versa
Typical customers
Complex prime: contract employees, newer self-employed, debt consolidation
Standout policy
Contract and newer self-employed income accepted, with no risk fees
Retro Specialist
Typical customers
Customers with credit impairments or recent arrears
Standout policy
Unlimited impairments over 24 months
Retro Lite Specialist
Typical customers
Self-employed customers with credit impairments
Standout policy
One form of income verification, with unlimited impairments over 24 months
Retro SMSF
Typical customers
Customers buying or refinancing a residential investment property through their SMSF
Standout policy
Up to 90% LVR inclusive of LMI
Retro Switch
Typical customers
Customers refinancing to a better rate
Standout policy
Dollar-for-dollar refinance with a reduced 1% serviceability buffer
Retro full doc: the everyday prime product
The everyday prime solution that counts more of your customer’s income.
Did you know?
89% of Retro loans settled in FY26 were Retro full doc.
Who these customers were
4%
First home buyers
- ✓Up to 95% LVR inclusive of LMI
- ✓No genuine savings requirement
22%
Self-employed borrowers
- ✓Only one year’s ATO-lodged financials required
54%
Investors
- ✓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.
Key resources
Retro Lite: self-employed borrowing power
A prime low doc solution for self-employed customers, assessing current business performance instead of relying solely on historical tax returns.
Did you know?
Retro Lite settlements increased by nearly 20% in FY26.
Who these customers were: 54% owner-occupiers and 46% investors.
Key policies
- ✓Up to 90% LVR inclusive of LMI, loans up to $3m
- ✓Income confirmed by customer financial declaration plus one form of income verification
- ✓Interest-only terms up to 10 years from initial approval; rental income shading at 10%
Key resources
Retro Versa: flexibility for complex prime scenarios
Flexible income solutions for customers outside traditional prime lending.
Typical customers: contract employees, self-employed customers with 12 months or more ABN, and customers consolidating debt.
Key policies
- ✓Up to 90% LVR inclusive of LMI, with no risk fees; loans up to $2m
- ✓Unlimited debt consolidation
- ✓Cash-out to 90% LVR, including for business purposes
Key resources
Retro Specialist: full doc with specialist credit policy
A clear path forward for customers with past credit issues.
Typical customers: customers with credit impairments, recent mortgage arrears, or a discharged bankruptcy.
Key policies
- ✓Up to 80% LVR plus risk fees; loans up to $2m
- ✓Unlimited impairments over 24 months; mortgage arrears under 30 days
- ✓Discharged bankrupt acceptable from one day after discharge
Key resources
Retro Lite Specialist: self-employed with specialist credit needs
Low doc lending for self-employed customers with past credit issues.
Typical customers: self-employed customers with credit impairments.
Key policies
- ✓Up to 80% LVR plus risk fees; loans up to $2m
- ✓Unlimited impairments over 24 months; mortgage arrears under 30 days
- ✓Unlimited debt consolidation
- ✓Cash-out for business purposes
Key resources
Retro SMSF: borrow through the fund
Residential investment lending for SMSF trustees, for purchase or refinance.
Typical customers: Australian residents with an existing SMSF, or in the process of establishing one, with a corporate trustee. Fund members can be PAYG or self-employed.
Residential security only, in category 1 and 2 locations. Customers must obtain legal and financial advice.
Key policies
- ✓Up to 90% LVR inclusive of LMI (loans up to $1m), or up to $1.5m at 80% LVR
- ✓Minimum SMSF net assets of $200,000 and minimum liquidity of 5% of the loan amount
- ✓Rental income, other SMSF investments and super contributions can support serviceability
- ✓Recovery rights limited to the secured property (and any guarantor security), protecting the fund’s other assets
Key resources
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)
Recommended Articles
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