Residential from 3.59% p.a.^(3.86%p.a* Comparison rate)

Our Residential loan products have flexible features that cater for all your purchase, refinance (including cash out) and business/investment requirements. Our residential loans are also available to self-employed borrowers who can fully verify their income.

3 reasons to deal with
La Trobe Financial
for your loans ...

Broadest Products

Good Value for Money
No Risk or Equalisation fees ≤ 80% LVR

Product Details:

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Product Name Full Doc Lite Doc
Current Rate^ 3.59%^ 4.59%^
Comparison Rate* 3.86% 4.76%
Security Type Residential security Residential security
Loan Purpose Any worthwhile purpose (incl cash out) Any worthwhile purpose (incl cash out)
Verification Required Last 2 pay slips and employment reference or last 2 years financials Accountant’s letter or Trading Statements or BAS
Personal or Business/Investment Purposes Both Both
Minimum Loan Amount $100,000 $100,000
Maximum Loan Amount $2,000,000 (75% LVR)
$1,250,000 (80% LVR)
$2,000,000 (75% LVR)
$1,250,000 (80% LVR)
Maximum LVR 95% 80%
Lenders Mortgage Insurance required >80% No
Maximum Loan Term 30 Years 30 Years
Repayment Type Principal & Interest Principal & Interest
Maximum Interest Only Term 5 Years reverting to P&I (+0.40% p.a. loading to interest rate) 5 Years reverting to P&I (+0.40% p.a. loading to interest rate)
Interest Rate Type Variable Variable
Redraw Available Yes (no charge) Yes (no charge)
Application Fee (excl. Val. & Legal Fees) from 0.75% from 1.25%
Risk Fee $0 $0
Additional Repayments Yes Yes

What should I do next?

Borrower Calc


See How Much You Can Borrow

View Calculator >
Call 13 80 10
Apply Online

Step 2

Manually Apply with Forms

For Loan Application and Income Verification forms, click here
  1. A Loan Application form
  2. A Verification of Identity
  3. One of the following Income Verification Certificates based on if you are self employed or a PAYG employee:
    1. Self Employed Accountants Certificate (SEBAC)
    2. PAYG Employer Salary Confirmation (PAYG-C)
    3. Self Employed Borrowers Repayment Declaration (SEBRD)
Or call 13 80 10