ONE BRAND,
MORE SCENARIOS COVERED.

A Bigger, Better Retro

This helps you place more deals within Retro, streamline the number of lenders you need to understand, and offer more options to your customers.

Prime customers

with straightforward lending needs

Near-prime customers

with minor credit events or income complexity

Specialist customers

just outside standard policy requiring more flexible solutions

THE NEW RETRO PRODUCTS

More scenarios covered under Retro

Designed to help you place more deals, these new Retro products suit customers outside standard policy, with minor credit events or complex income. View the Case Studies below for real scenario examples.

Product

Customer Segment

Case Study Scenario

Retro Versa

For prime and near-prime customers needing higher LVR and flexible income assessment

Read Case Study

Retro Specialist

For near-prime customers with minor to moderate credit impairment

Read Case Study

Retro Lite Specialist

For self-employed customers looking for alternate document solutions, with a near-prime and minor to moderate credit impairment profile.

Read Case Study

Retro Lite Specialist Plus

For self-employed customers with low-doc income and more recent credit impairment

FEE WAIVER

Customers can save up to $699!

Settlement fees are waived on all four new Retro products*. This can deliver up to $699 in savings for your customers on applications lodged between 1 June and 15 July, with formal approval by 30 September required to qualify. Plus, we’ve also removed the interest-only (IO) rate premium on investment products, so both P&I and IO are now priced the same!

*Fee waiver promotion only applies to Retro Versa, Retro Specialist, Retro Lite Specialist, and Retro Lite Specialist Plus.

Investor couple looking to refinance and consolidate

Jason and Simone have set up a business 14 months ago that has experienced rapid growth in a short period of time. With their business going well, they’ve ended up with a tax liability at the end of the year.

Rebuilding financial resilience: Discharged bankruptcy getting back on track

John is a 35 year old IT professional who has faced financial hardships. Unfortunately, during the financial downturn, a combination of unexpected medical expenses and job loss led to mounting debts forcing him to file for bankruptcy.bankruptcy getting back on track.

Read case study

Flexibility for self-employed clients

Greg and Susan would like to expand their investment portfolio with another property. Due to their busy schedule, they haven’t had a chance to lodge their tax returns for the most recent year.

Switch them after 12 months

Customers eligible for a Retro Versa loan can automatically convert to a sharper Retro product after 12 months, provided the required criteria are met.

Once eligible, we’ll notify you that the loan has qualified and been converted to the sharper Retro rate.

Retro Versa to Retro Criteria

The loan was settled 12 months prior.
No defaults were listed in the original assessment.
No repayments later than ten days.

Example of how this works

Got a customer who doesn’t quite fit the mould? Retro Versa offers added flexibility, helping them purchase their first property with a 10% deposit.
At today’s rates (1 June 2026), they could access a Retro Versa variable rate of 8.10% p.a. (owner occupied, P&I)
After 12 months of good conduct, even if the LVR remains above 80%, they can automatically convert to the Retro Full Doc product, currently priced at 7.09% p.a.
If the LVR reduces to 80% or less through property growth or repayments, the rate could drop even further to 6.89% p.a. — a saving of 1.21% from 12 months earlier.
Best of all, this transition is automatic and free of charge, all handled by the AFG Retro team.

SUPPORTING DOCUMENTS

Key documents for the new products

With new products comes a new set of key supporting documents you need to be across, such as Niche Sheets and Product Specs.

FAQS

What you need to know

What is changing?

From 1 June, Link and Retro will come together under one trusted Retro brand, creating a broader and more unified lending suite for brokers. The Link product suite will cease to exist for new customers, whilst the Retro product suite will expand with four new products.

Why is it changing?

By moving the Link product suite into Retro, we’re creating a true one-stop shop that helps brokers place more deals, access flexible lending solutions, and support a broader range of borrower scenarios.

When will it take affect?

1 June 2026

How will my existing customers be impacted?

Existing Link customers will not be affected.

What will happen to internet banking for my existing customers?

There will not be any changes to internet banking for existing customers.

Will existing Link customers now become Retro customers?

No, existing Link customers will not be affected, they will remain as Link customers.

Are Link products disappearing?

For new business from the 1 June, Link will be rebranded to Retro as follows:

Link Premium will become Retro Versa
Link Complete will become Retro Specialist
Link Complete Plus will be discontinued
Link Lite will become Retro Lite Specialist
Link Lite Plus will become Retro Lite Specialist Plus

Are there any changes to policy?

Link Complete Plus will no longer be avaliable from the 1 June. All other product policy will remain the same.

Will pricing change for these new Retro products?

There will be no pricing changes to these products

Will I have to update my accreditation?

No, your current AFG Home Loans Retro accreditation is valid.

Will I need new product training?

You will be able to review updated product information on Lenders. Contact your BRM for any questions.

Will the application process change?

Other than selecting the correct Retro product, no the application process won’t change.

Can I still use a Link servicing calculator?

From the 1 June, the Link calculator will no longer be valid.

Which servicing calculator should I use?

A new servicing calculator will be avaliable from the 1 June available in Lenders. This calculator will overide any previous calculators.

What happens to my Link applications already submitted?

Any Link applications submitted before the 1 June remain a Link application and follow the standard assessment process as a Link branded product.

What happens to my Link applications that I haven't submitted?

Between the 1 June and the 23 June (inclusive), any Link applications already in Apply Online can still be submitted. The product will automatically convert to the corresponding Retro product and follow standard assesment process.

Any Link applications already in Apply Online from 24 June onwards will need the product changed to the corresponding Retro product in Apply Online.

Will I still be paid commission on my Link deals?

Yes. Standard commission and Clawback rules will apply to any active Link applications and active Link loans.

Will commission structures change?

No as Retro and Link commission structures are already aligned.

Will clawback policy change?

No as Retro and Link Clawback policies are already aligned.

What happens to Link Premium?

Link Premium will become Retro Versa. This is the only change, all other product specification and policy remains the same.

What happens to Link Complete?

Link Complete will become Retro Specialist. This is the only change, all other product specification and policy remains the same.

What happens to Link Complete Plus?

Link Complete Plus will be discontinued. A replacement will not be offered. Existing Link Complete Plus customers will not be affected.

What happens to Link Lite?

Link Lite will become Retro Lite Specialist. This is the only change, all other product specification and policy remains the same.

What happens to Link Lite Plus?

Link Lite Plus will become Retro Lite Specialist Plus. This is the only change, all other product specification and policy remains the same.

Contact us

Get in touch with your BRM

If you would like to workshop a scenario with one of our dedicated credit specialists, please use this template and send it to scenarios@afghomeloans.com.au, or speak to your AFG Home Loans BRM about the new Retro products and how they can benefit your customers.