AFG Home Loans Align: the 80% LVR alt-doc brand, three scenarios
Align is the AFG family's 80%-LVR-only alt-doc brand — 139 products, 6.78% variable, low-doc supported, 7.0x DTI. Three constructed scenarios showing when Align fits against sister-brands Bright and Link on 80% LVR alt-doc files. Not individual client files.
Self-employed refinancer at 72% LVR, 1 year trading
Sole trader, 15 months ABN, refinancing an existing investment loan from a mainstream lender who raised rates aggressively post-settlement. Current loan balance $440k on a $620k property (71% LVR). Alt-doc income via BAS and 12-month trading bank statements. Align wins because at 72% LVR it prices at 6.78% variable — competitive with Bright's 6.49% but with Align's lower upfront fee and the 80%-LVR-only product design optimised for this specific band.
High-income SE professional, DTI constraint, 80% LVR purchase
Consultant on $240K with existing $180K of personal debt. Mainstream lenders decline on DTI (7.5x). Most alt-doc lenders cap at 6.5x DTI. Align's 7.0x DTI matches Big 4 and Bright; combined with alt-doc income verification and the 80% LVR tier, it approves this file at 6.78%. Without Align's 7.0x DTI this file needs Pepper Money at 8.0x but with 0.40%+ rate premium.
Investor with 80% LVR, alt-doc income, clean credit
Property investor building a portfolio. 80% LVR investment purchase, clean credit but alt-doc income due to complex trust/PTY LTD structure that takes 6 months to lodge clean tax returns. Align handles the 80% LVR investment alt-doc intersection cleanly where Link (90% LVR but 6.96% rate) is 18bp more expensive and Bright requires a pricing approval process at 80% LVR investment tier.
AFG Align — April 2026
80% LVR alt-doc file? Align could be the AFG pick.
We price Align vs Bright vs Link on every alt-doc file. Quick brief, realistic numbers back.
Run the comparisonWhat is AFG Home Loans Align?
An alt-doc brand within the AFG Home Loans family capped at 80% LVR. 139 products, 7.0x DTI, zero annual fee, $650 application fee.
Why 80% LVR only?
Align's funder structure is optimised for 80% LVR and below — no LMI required at this tier and the rate card reflects the lower-risk positioning. For >80% LVR alt-doc use Bright or Link.
Does Align accept 1-year self-employed?
Yes on alt-doc pathway with BAS or bank statement income evidence.
What is Align's assessment rate?
8.75% — specialist tier buffer reflecting the alt-doc nature.
Richard Esteb
Align is the 80%-LVR-specialist AFG brand. Narrow but clean where it fits. Refreshed 21 March 2026.