Residential Home Loans at BCI Finance are built around people, not paperwork. Whether you’re PAYG, self employed, or somewhere in between, you get a warm, one on one experience with a lending specialist who genuinely takes the time to understand your goals, your financial story, and the way you earn. Many clients stay with us for years because they value having a trusted partner who knows their situation, anticipates their needs, and supports every stage of their property journey.
Self employed borrowers benefit from our deep financial expertise, and PAYG clients enjoy a smooth, guided process with the same level of care, clarity, and long term support.
Owner Occupier loans help you purchase the home you plan to live in. PAYG clients enjoy a streamlined approval process, while self employed borrowers receive expert support interpreting financials, normalising income, and presenting borrowing capacity in the strongest possible way.
Ideal for Borrowers wanting a clear, confident pathway to home ownership with a long term lending partner.
Investment loans support wealth creation through property. PAYG investors benefit from straightforward lending pathways, while self employed investors gain expert help translating business performance into borrowing power and structuring loans for long term growth.
Ideal for Investors wanting lending that supports both immediate goals and future opportunities.
Construction loans provide staged funding to build or renovate your home. PAYG borrowers enjoy a clear, guided process, while self employed clients receive support preparing financials, cash flow projections, and documentation that lenders require.
Ideal for Borrowers wanting a lending partner who stays involved from planning to completion.
Variable loans offer flexibility as interest rates move with the market. They suit borrowers who want features like offset accounts, extra repayments, and redraw. PAYG and self employed clients benefit from the ability to adapt repayments as circumstances change.
Fixed loans provide certainty with locked in repayments for a set period. They’re ideal for borrowers wanting stability, predictable budgeting, and protection from rate fluctuations. Both PAYG and self employed clients value the peace of mind this structure offers.
Low Doc loans are designed for business owners who have strong financials but may not have traditional documentation ready. Instead of full tax returns, lenders may accept BAS, business bank statements, or accountant declarations. These loans help self employed clients move forward without waiting for end of year paperwork.
BCI Finance is built on long term relationships. Whether you’re PAYG or self employed, you get a dedicated specialist who understands your financial position and supports you through every stage of your lending journey.
Speak with a lending specialist who understands your goals & get clarity on your borrowing power.
Build a personalised lending plan – Prepare for a smooth approval.
Yes. PAYG clients enjoy a streamlined process, and self employed clients benefit from our expertise in complex financials. Both receive the same personalised, high touch service.
Typically tax returns, financial statements, BAS, and sometimes bank statements. We help prepare and present these in a lender ready format.
Absolutely. PAYG clients appreciate our clarity, communication, and long term support—especially when planning future purchases or refinancing.
Yes. We work with your accountant to structure and explain income from companies, trusts, or multiple entities.
Funds are released in stages—slab, frame, lock up, fix out, and completion. You only pay interest on the amount drawn during construction.
Yes. Eligibility depends on the property and your circumstances, not your employment type. We help you navigate available grants and schemes.
