Thinktank Home Loan Review 2026

Thinktank may be worth comparing if you’re self-employed and need a different way to show your income. It also offers commercial and SMSF loans, which have their own fees and property rules.

For a home loan, we’ll first check whether a mainstream lender can use your income. If Thinktank solves a problem the bank cannot, we’ll compare what that flexibility costs over the time you expect to keep the loan.

Thinktank also backs Connective Advance, which sits within the Connective Lending range. Our Connective Home Loans review explains that relationship. We’ll check the product terms and whether we can arrange it for you. The SMSF rules below apply either way.

For your own home or an investment property held outside super, Thinktank offers loans from $100k to $5m, terms up to 30 years and lending up to 80% of the property value. The limit falls to 75% above $2.5m. Full Doc and Mid Doc options are available.

With Mid Doc, you declare your income and provide 1 type of record to back it up. Depending on your application, Thinktank may accept an accountant’s letter, business activity statements (BAS) or business trading statements. Quick Doc and Lease Doc are for commercial loans.

If your variable home loan qualifies, you can have an offset without an extra offset fee. It is part of the loan account, so you’ll still need everyday banking elsewhere. Money in the offset reduces interest, but your minimum principal and interest repayment stays the same.

Thinktank’s published fee schedule sets out these charges. We’ll compare the quote over the time you expect to keep the loan: a smaller establishment fee can be offset by monthly fees.

Since 10 August 2026, an SMSF generally cannot take out a new loan to buy residential property. Existing residential loans and some refinances may still be allowed. A binding purchase arrangement made before that date may fall under transitional rules, but the fund's adviser and solicitor need to confirm it.

Eligible commercial property used in a business is treated differently. Thinktank can still consider these loans when the property, SMSF and borrowing structure meet the rules.

Thinktank's current public range includes commercial SMSF loans from $100k to $10m. It lists terms of up to 30 years for principal and interest repayments, or up to 5 years interest only, with lending up to 80% of the property value for an eligible deal.

The amount your fund can borrow depends on the property, postcode, valuation, tenant and income available to cover repayments. Thinktank also looks at the members’ circumstances and contributions.

If you are still deciding whether the property belongs inside super, start with independent SMSF advice. Our commercial property loan guide explains deposits, repayments and the property checks lenders make.

If your tax returns don’t show what your business earns now, Thinktank may accept other ways to show your income. We’ll check which documents fit the loan you need and how you’ll cover the repayments.

See our self-employed home-loan guide for the way different lenders can reach different borrowing figures from the same business accounts.

Read our Australian Government 5% Deposit Scheme guide for the deposit, eligibility and participating-lender checks.

Your rate depends on the loan, property, income documents and amount you want to borrow. We’ll compare the upfront and exit fees alongside the rate, as these can add a lot to a commercial loan’s cost.

With the standard 0.95% commercial establishment option, repaying principal in the first 3 years normally costs 3 months’ interest on the amount repaid. That falls to 1 month’s interest when the repayment comes from selling the property or using cash. The 1.5% establishment option has no early-repayment fee. A fixed-rate cancellation cost can still apply.

These fees apply to commercial loans. For a home loan or SMSF loan, we’ll get a separate quote covering the setup, ongoing and exit costs.

Send us the address before you commit. The exclusions below come from the SMSF range we checked. Thinktank's residential, commercial and private products have separate property rules. Location, use and resale market can still rule out a property even when you can afford the loan.

Before asking you to gather the paperwork, we’ll check the property, who is taking out the loan and the income documents Thinktank will accept. This can help catch property or trust issues before you pay for a valuation or legal work.

For commercial property, compare La Trobe’s Lite Doc and Lease Doc options, including the rent or business income needed and the cost of leaving early. For a home loan using alternative income documents, compare Brighten. If your tax returns are up to date, AMP may be another option to check before paying for specialist flexibility.

If we arrange your loan, the lender may pay us commission. The amount can vary between lenders and products. We disclose how we’re paid and any fee you would pay before you proceed.

We compare the loans that fit your circumstances, including their rates, fees and features. We must act in your best interests when recommending one.

Our Brisbane mortgage brokers can compare Thinktank with other lenders based on your income, deposit and plans.