Horizon Mortgages: Your Questions Answered
Whether self-employed, investing through an SMSF, refinancing existing debt or looking to purchase your next property, many borrowers and brokers find themselves navigating lending requirements that don't always reflect their circumstances and goals.
That's where Horizon Mortgages comes in.
Available across Prime, Near Prime and Specialist lending options, Horizon Mortgages is built to provide practical pathways forward when traditional lending structures don't fit.
Here are some of the questions we get asked most.
What types of borrowers can Horizon Mortgages support?
Horizon Mortgages supports a broad range of borrowers, including PAYG employees, self-employed borrowers, trusts, companies and SMSFs.
Whether you're purchasing an investment property, refinancing existing debt or releasing equity, there may be a solution available to suit your circumstances.
See our full product specifications including current rates here.
What’s the borrowing limit?
Loan sizes range from $250,000 to $5 million, depending on the scenario and security being offered.
This flexibility allows borrowers to access funding across a wide range of residential and commercial opportunities.
Can self-employed borrowers qualify?
Yes.
For eligible Alt Doc borrowers, Horizon Mortgages can consider applicants with as little as 6 months ABN history.
Alternative income verification methods may also be available, providing greater flexibility for self-employed borrowers whose circumstances may not fit traditional lending requirements.
Can I purchase through my SMSF?
Yes.
Horizon Mortgages offers SMSF lending solutions with no minimum asset position or liquidity requirement.
In certain scenarios, servicing from outside the SMSF may also be considered, providing additional flexibility for borrowers looking to build wealth through property held within their self managed super fund.
Have a question about lending options? Get in touch with our team.
"Good lending isn't about forcing borrowers into rigid policy. It's about understanding their circumstances and finding the right solution. That's exactly what Horizon Mortgages is designed to do."
Natasha Da Silva
State Manager - QLD
Can borrowers still qualify after experiencing credit impairment?
Potentially.
Horizon Mortgages can consider a range of credit events, including mortgage arrears, discharged bankruptcies and eligible defaults.
Every scenario is assessed individually with the full picture considered by our credit team. We pride ourselves on focusing our understanding on the broader circumstances behind the application.
Can ATO debt or business debt be refinanced?
Yes.
Refinancing ATO debt can be considered, along with business-purpose lending and the payout of business debts using residential property security.
This can provide borrowers with a more structured pathway to managing existing obligations while improving cash flow flexibility.
Do you lend to visa holders and expats?
Yes.
Horizon Mortgages has an extensive list of acceptable visa classes and can also consider expatriate borrowers in eligible circumstances.
Why choose Horizon Mortgages?
Act fast with certainty
From scenario to settlement, we know how important speed is. Horizon Mortgages is designed to provide clear pathways forward, helping borrowers and brokers move ahead with confidence.
Flexible for your needs
Whether it's Alt Doc or Full Doc income verification, Horizon Mortgages offers flexible solutions with up to five years interest-only and competitive market rates.
Diversify your assets
Purchase or refinance residential and commercial assets, including office and industrial properties, with lending solutions designed to support a broad range of investment strategies.
