Horizon: More Lending Pathways For More Borrower Scenarios
Despite how it might feel, a complex client scenario does not always require a complex lending pathway.
Borrower circumstances rarely fit neatly into one category:
A self employed client may have strong income but limited traditional documentation
Another borrower may have experienced a life event that affected their credit profile
An SMSF borrower may have a strong property opportunity but not meet the liquidity requirements of other lenders
That’s where our Horizon product steps in.
According to Cassandra Vella, NSW State Manager at Assetline Capital, Alt Doc remains an important part of that picture.
“Our Alt Doc solution continues to be one of our most popular products. It offers a simple and streamlined pathway for self employed borrowers, including those who have been trading for as little as six months. Combined with unlimited cash out options for both personal and business purposes, including paying out ATO debt and consolidating business debt, it provides brokers with a flexible and versatile solution for a broad range of client scenarios.”
While it’s a well-loved product, Alt Doc is only one part of the Horizon story.
A Broader Range of Borrower Scenarios
The scenarios brokers are bringing to Assetline are evolving, shaped by changes in the market, government policy and borrowers’ circumstances. Cassandra says the team is seeing more borrowers whose credit profiles have been affected by circumstances outside the traditional lending mould.
“We are seeing an increasing number of clients who have experienced a life event that has impacted their credit profile. There has also been strong growth in Near Prime and Specialist lending scenarios, where we can often support clients through a refinance and debt consolidation strategy that helps improve their financial position and rehabilitate their credit profile over time.”
This breadth matters because it gives brokers more pathways to explore within one offering. Horizon spans Full Doc, Alt Doc, Near Prime, Specialist and SMSF lending, creating options for borrowers with different income profiles, structures and circumstances.
The opportunity for brokers is to look beyond the initial complexity of a scenario and consider where it could fit.
Flexibility Goes Beyond The Product
Having more lending options is one part of the equation. How a scenario is assessed can be just as important.
For Cassandra, Horizon’s approach to credit assessment is another area that can surprise brokers.
“Many brokers are surprised to learn we offer up to 80% LVR Alt Doc lending with no risk fee. Another key differentiator is our common sense approach to credit assessment. We do not rely solely on credit scoring models. Instead, we review the details within the comprehensive credit report and assess each scenario on its merits.”
For brokers working with clients whose circumstances require a closer look, that approach can open a conversation about the complete scenario rather than focusing on one metric in isolation.
It reflects the broader principle behind Horizon: understand the borrower, understand the scenario and identify a practical pathway forward.
Q&A: Horizon In Practice
How Can Alt Doc Home Loans Help Self Employed Borrowers Who Do Not Have Up To Date Financials?
Brokers are utilising Alt Doc lending across a wide variety of scenarios. Common examples include borrowers who have not yet completed their latest tax returns, clients whose income has increased significantly since lodging their last returns, or borrowers with complex structures who prefer a simpler income verification pathway. In many cases, Alt Doc provides a simple and efficient pathway for borrowers with non traditional income profiles, reducing complexity while helping brokers achieve better outcomes for their clients.
How Can SMSF Commercial Property Loans Support Self Employed Business Owners?
A common scenario involves self employed business owners purchasing commercial property through their SMSF for their own business to occupy. This can be a highly effective long term wealth creation and tax planning strategy. We are also seeing increasing demand for Alt Doc SMSF lending, which provides a practical solution for assessing a member's capacity to make additional contributions to the fund.
How Can Easy Equity Help Property Owners Access Equity Before Selling Their Property?
Our Easy Equity product remains one of our hidden gems. It allows borrowers to access equity from their property where the planned exit strategy is the sale of the asset. With lending of up to 70% LVR, no income verification requirements, as well as pre-paid and capitalised interest options, it can be an excellent solution for the right scenario.
Horizon gives brokers room to look beyond the obvious lending pathway. From different approaches to income verification and credit profiles through to SMSF scenarios, its breadth creates more opportunities to find a solution within Assetline.
If you have a scenario that does not fit neatly into the usual lending criteria, speak with the Assetline BDM team and find out where it could fit.
"We do not rely solely on credit scoring models. Instead, we review the details within the comprehensive credit report and assess each scenario on its merits.”
Cassandra Vella
State Manager - NSW/ACT
