AFG Home Loans Link: the non-bank low-doc brand with $0 application fee
Link fills a specific gap in the AFG family — low-doc capability at a higher rate than Bright, but with zero application fee and specialty-lending positioning. 174 products, 6.96% variable, 90% LVR cap.
Link vs Bright — the two AFG low-doc brands
Both Link and Bright offer low-doc within the AFG family. The differentiator is fee structure and rate positioning:
Bright: 6.49% rate, $660 application + $180 annual. Lower rate, higher upfront fee. Better for long-hold files where the rate differential pays off.
Link: 6.96% rate, $0 application + $330 annual. Higher rate, zero upfront. Better for short-hold files (refinancers expecting to switch again within 2-3 years) or fee-sensitive borrowers avoiding upfront costs.
When Link is the right AFG specialist pick
Fee-minimising low-doc borrowers: $0 application fee + $330 annual is cheaper than Bright over the first year on loans under $400k.
Shorter-hold low-doc scenarios: 12–24 month hold before expected refinance or sale, where the rate differential versus Bright doesn't amortise.
Specialist structure where 7.0x DTI matters: Link matches Bright at 7.0x DTI, helpful for high-debt borrowers.
Working broker's take
Link is a narrow-use AFG brand. For most low-doc files Bright is sharper on total 5-year cost. Link's specific niche is short-hold or strongly fee-averse low-doc borrowers where the zero-application-fee structure matters more than the 0.47% rate premium over Bright.
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Run the comparisonWhat is AFG Home Loans Link?
A non-bank specialty brand within the AFG Home Loans white-label family. Offers low-doc home loans at 90% LVR with a zero-application-fee / $330-annual-fee structure.
How is Link different from Bright?
Both offer low-doc; Link charges zero application fee but 0.47% higher rate than Bright. Link suits short-hold scenarios where upfront fees matter more than rate differential.
Does Link lend at 95% LVR?
No — 90% LVR cap on both OO and investment. For 95% LVR low-doc route to Bright or specialist lenders.
What is Link's assessment rate?
8.75% — specialist-tier buffer reflecting the low-doc nature of the product.
Richard Esteb
Link is the AFG low-doc answer for fee-averse short-hold files. For longer holds Bright usually wins. Refreshed 8 March 2026.