Grow your career at Better Choice

Join the dynamic team at the bank for enterprising Australians, and contribute to work that creates successful outcomes for BNK and your career. Explore job opportunities

Self-employed clients deserve a better deal.

Our Prime Alt Doc loans accept BAS statements, business bank statements or an accountant's letter — with rates from 6.74% p.a., no application fee, and loans up to $5m.
Learn more View our rates

Commercial lending with a team that works the deal.

Term Loan, Alt Doc and Lease Doc options up to $5m. Our dedicated national commercial team is on hand to help you structure and settle with confidence.
Learn more View our rates

Start writing loans with Better Choice.

Join a growing panel of brokers backed by flexible products, competitive rates and genuine BDM support across every state. Accreditation is fast and straightforward.
Get Accredited

Residential loans

Commercial loans

SMSF loans

Tools and Calculators

Alt Doc Loans from
6.74
%
p.a.*
No application fee. No risk fee.
Submit a scenario View all self employed rates
At BNK, we've been enhancing the banking experience for enterprising Australians for over 40 years. We take pride in making banking not just convenient, but straightforward.
Commercial alt doc loan
8.99
%
p.a.*
Loan term 3-30 Years Maximum LVR 80%
Apply now View all business loan products
Terms and conditions apply.

Have a scenario?

Our BDM team is here to help you find the right solution for your client. Submit a scenario and we'll come back to you promptly.
Submit a scenario

Frequently asked questions

How do I become accredited with Better Choice?

Complete our Direct Accreditation Form. Once submitted, our team will review your application and be in touch within 2 business days. You’ll need your ACL or CR number and aggregator details to hand.

Do I need to be accredited with an aggregator to submit loans with Better Choice?

Yes. Better Choice operates through accredited introducers via approved aggregator panels. If you’re not sure whether your aggregator has a Better Choice panel, contact your BDM or reach out to us directly at info@betterchoice.com.au.

Which aggregators is Better Choice on panel with?

Better Choice is on panel with most major Australian aggregation groups. Contact your BDM or email info@betterchoice.com.au to confirm your aggregator’s panel access.

Where can I find Better Choice’s current rates and product guides?

Download our current Product & Rates Guide from the Documentation page. Rate updates are distributed to accredited brokers via email when they occur.

How do I submit a scenario before lodging a full application?

Use the Submit a Scenario form or contact your BDM directly. We encourage scenario discussions — particularly for self-employed, specialist, SMSF, and commercial deals — before you invest time in the application.

Latest insights
News
7 May 2026

Understanding the RBA’s cash rate decision

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News
11 February 2026

Better Choice appoints senior leaders to accelerate broker-focused product and credit outcomes

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News
13 January 2026

Cath Ryan appointed Head of Sales and Strategic Partnerships

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Things you should know

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to a Better Choice product, you should read the relevant disclosure document. All rates and fees quoted in our products are indicative only and can change dependent on your personal circumstances. Conditions and fees apply. Comparison rate is based on a loan of $150,000 principal over a 25 year term. WARNING: The Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Better Choice Home Loans Pty Ltd & Better Choice Commercial (a division of Better Choice Home Loans Pty Ltd) 2000-2020 ABN 79 095 728 868 | Australian Credit Licence 378333