02 / A broader lending toolkit
Optimal.
Multiple documentation and property paths for residential and more specialised lending conversations.
Explore the rangeWhat can Optimal help you explore?
Optimal has full-document and alternative-document residential options alongside construction, commercial, SMSF, expat and non-resident lines. Each line has its own assessment and security requirements.
More than one way to frame a complex scenario.
Match the income story
Explore full-document or alternative-document residential lines according to the available evidence.
Discuss a build or business property
Construction and commercial lines sit alongside the residential range.
Explore specialist ownership
The catalogue includes SMSF, expat and non-resident lines for a specialist review.
The details worth asking about
These are family-level highlights. A feature or purpose may be available only on certain products, and every application remains subject to current policy and credit assessment.
Documentation paths
Full Doc and Alt Doc names identify different pathways; neither removes the need to verify income.
Security and ownership
Commercial and SMSF products call for separate structure and property checks.
Offset discussion
Offset is available in the Optimal family. Confirm the feature for the particular product.
“What is the borrower’s income evidence, property purpose and proposed ownership structure?”
Bring the question to a So Money broker or team member so they can check the relevant current product and policy.
Every story is different
Family-level highlights only. Every application remains subject to current policy and credit assessment, and no rate or approval outcome is represented.