Specialist Full Doc Level 3 70%80% Specialist Full Doc Level 3 70%-80%

  • 7.24%
    p.a Standard Variable
  • 7.27%
    p.a Comparison**
  • $1,199
    Upfront fees
  • $0
    Annual fees
  • 80%
    Max LVR
  • $2,528
    Per Month*

About Pioneer Mortgage Services

Pioneer was established almost 30 years ago, and an Australian owned financial provider, they offer residential and investment mortgage products in the non-bank market. Over this time, Pioneer Mortgage Services have assisted thousands of customers throughout Australia and New Zealand achieve their dreams of owning a home. As a non-banking financial institution, Pioneer have a wide range of competitively priced products, delivering customers detailed and personal service. They distinguish themselves from banks through a distinct level of attention offered to every customer with a large range of home loan products to suit all types of borrowers.

Standard Variable

Repayments calculated to take into account ongoing monthly and anual fees.

Monthly repayment*
rate per annum

Loan to Value Ratio

Borrow up to the maxium of 80% of the value of the property.

Lenders Mortgage Insurance, or LMI, will be payable on most loans where the borrowings are greater than 80% of the value of the property.

However, you may be able to capitalise LMI into your loan, increasing the overall loan amount by about 2% (in order to cover the cost of the insurance). Contact a loan market broker to find out how LVR and LMI might impact the cost of your loan repayments.

Capitalise LMI


For Equity, Investment, and Owner Occupied in NSW, NT, QLD, SA, WA, VIC, TAS, and ACT.

15 - 30 years


The level of financial documentaion and credit history required to apply for the loan.

Full Doc
Credit History
Non Conforming
Genuine Saving
Not Required

Redraw Facility

Get quick access to cash by drawing on the loan to pay for renovations or other purchases.

Redraw Facility
Min Redraw
Redraw fee

Banking Features

Given the wide range of loans on offer – with different interest rates, product features and fees – it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.

Some features you may wish to consider include:

  • an offset account;
  • ability to make extra repayments;
  • a redraw facility; and
  • linked credit card and savings accounts;
  • ability to split your loan between fixed and variable interest rates
Offset Account
Redraw Available
Credit Card
Internet Banking
Telephone Banking
BPay Option
Portability of Loan
Professional Pack
Check Account
Direct Salary Credit
Free Transactions
Minimum Redraw
Redraw Fee


You can make your repayments Fortnightly, Monthly, and Weekly.

Interest Only Option
Max Interest Only
5 years

Upfront Fees

Upfront fess associated with estabilishing the loan. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.


Ongoing Fees

Monthly and annual fees and charges during the loan period.


Exit Fees

Fees associated with prematurely ending the loan.

Early Repayment
Switch To Fixed


The Specialist Full Doc products are suitable for those borrowers who fall outside the standard lending criteria. PAYG and Self Employed borrowers are acceptable. Adverse credit is considered. Interest rates vary depending on LVR, loan amount and level of credit impairment (refer to your BDM for more info). Features: - Max LVR 90% (loan amount, security location and credit impairment level restrictions apply) - No monthly or annual fees - PAYG or Self Employed applicants acceptable - No Genuine Savings required - Variable rate only - Internet Banking available - Available in a Company or Trust name - Business purposes may be considered - Not available for non-resident applicants - Debit Card (Loan Access Card) available on request (variable rate loans only). Allows access to redraw from loan account and/or funds available in offset account 1 month personal bank statements and 1 month business bank statements issued within the last 90 days (main transactional account, if applicable) required. Minimum loan split amount is $10K. Up to 5 years interest only however if secured by Owner Occupied property N/A. Repayment options of Direct Debit, Salary Credit, Deposit Book. Additional Repayments allowed. Redraw available. Available for Debt Consolidation (max LVR depends on security location and impairment level, if any). Using Specialist range of products 100% offset accounts are available for: - Both Fully verified and Lo Docs - Clear Credit history and credit impaired; - Lo Docs with ABNs from 6 months 100% Offset account available. Transaction on your offset balance with the following transactions being fee free: EFTPOS & Westpac ATM Transactions, BPay, Outwards Direct Debit, and Inward Salary Credit. Transfers to an external bank account are only available when the eternal bank account is pre-nominated and advised at settlement. Only one pre-nominated account is available and must be in the same name as the borrowers. Transfers to other external accounts are not available directly from the offset account. Not Available for non residents applications Please refer to your BDM for further details.

LVR Notes

Max LVR 90% (loan amount, security location and credit impairment level restrictions apply) Clients are required to pay a lender risk fee in lieu of obtaining Mortgage Insurer approval Lenders Risk fee up to 70% LVR: 0.25% 70-80% LVR: 0.75% 80-85% LVR: 1.00% 85-90% LVR: 1.25%


No Genuine Savings required

Fee Notes

Clawback: - 0-6 months discharged after settlement: 100% of upfront paid - 7-12 months discharged after settlement: 50% of upfront paid - 13 months + discharged after settlement: No Clawback Valuation fee charged at cost. Lenders Risk Fee applicable in lieu of LMI Lenders Risk fee up to 70% LVR: 0.25% 70-80% LVR: 0.75% 80-85% LVR: 1.00% 85-90% LVR: 1.25%

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided