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An Alt-A mortgage, short for Alternative A-paper, is a type of U.S. mortgage that, for various reasons, is considered riskier than A-paper, or "prime", and less risky than "subprime," the riskiest category. Alt-A interest rates, which are determined by credit risk, therefore tend to be between those of prime and subprime home loans. Typically...
PAYG Lo-Doc loans are an alternative form of lo-doc mortgage product similar to the standard self-employed lo-doc. These specialty loans are intended for borrowers who have difficulty proving their correct PAYG salary due to irregular income streams, such as casuals, those earning commissions, irregular overtime, penalty payments and other...
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