Commercial Solutions

At La Trobe Financial, we have designed commercial loan solutions with both PAYG and self-employed borrowers in mind. Whether you are looking to purchase, refinance or access equity using commercial property, we have a product to suit your needs.

Our specialised commercial products include self-employed Lite Doc® catering for borrowers unable to fully verify their income and our Lease Doc product that uses rental income from your commercial security as evidence to service your new loan.

You may use your retail shop, office, light industrial warehouse or rural farm as security to expand your commercial portfolio.

Full Doc®

A flexible solution for PAYG and self-employed borrowers who are able to fully verify their income.

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Lite Doc®

Tailored to support the self-employed community offering alternative options for income verification.

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Lease Doc

A flexible loan for those looking to use the rent generated from a commercial property for loan requirements.

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Suited to those who are looking to invest in commercial property as part of their superannuation portfolio.

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Our Development loans suit developers who are looking to construct small – medium sized development projects.

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Tailored towards borrowers purchasing non-metro rural properties over 100 acres for business purposes.

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Residual Stock

A Residual Stock loan allows completed but unsold stock in the development to be refinanced allowing the developer time to sell the stock or use the equity to fund the next project.

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Financial Hardship

Unexpected events happen in life and can cause financial strain and uncertainty. La Trobe Financial is here to help.

Our dedicated Hardship Assistance team has assisted thousands of our customers through difficult times such as:

  • Sudden loss of employment
  • Redundancy
  • Loss of a loved one
  • Downturn in business
  • Natural disaster or
  • Medical Illness

If you are experiencing financial strain due to unexpected circumstances please complete the Hardship Application form or call the team on 1800 620 639 between 8:30am and 7:30pm (AEST) Monday to Friday.

Frequently Asked Questions

The maximum amount you can borrow is $25 million and the minimum amount is $100,000. We can lend you up to 95% of the value of the property in certain circumstances. If you’re self-employed, you could apply for the Lite Doc® option, which means we can lend you up to 80% of the value of the property you wish to purchase.

Simply download an application form from this site, complete in full and forward it to our office for consideration.

La Trobe Financial is accepted as a leading specialist lender in Australia. We are not a ‘tick the box’ type lender, but will consider all of your personal circumstances fairly and compassionately. You can also choose the length of your loan that best suits your needs, with our flexible repayment schedules from 1 to 30 years. We also provide a free redraw service for your repayments received ahead of schedule.

Approachable & Reasonable
We specialise in mortgage loans for any reasonable purpose and helping people with debt consolidation. So, if you need a mortgage loan from as little as $100,000 up to $25 million, or simply need to get your debts under control, we can help.

Simple Application Process
Call 13 80 10 now or fill out an Application form today. It only takes 15 minutes to apply for a Loan at La Trobe Financial; it’s that simple.

Fast Approval (On-The-Spot)
We can often tell you on the spot whether your application for a Loan has received indicative approval subject to our usual lending assessment criteria.

Personal Service
You won’t be talking to an answering machine at La Trobe Financial. With La Trobe Financial Representatives across Australia, and our 13 80 10 National Mortgage Hotline open 8:30am to 5:30pm Mon-Fri, you will receive personal attention with your Loan application from start to finish. Simply call – you don’t need an appointment to speak to any of our Sales Team.

Here are the steps, plain and simple:

  1. Fill out our straight forward application form or speak to staff on 13 80 10 between 8:30am and 5:30pm EST Monday to Friday.
  2. We’ll ring you back with a status update – this could be a conditional approval.
  3. We’ll ask you to send us some documents relating to your income and the property you want to buy.
  4. We’ll do a valuation on the property.
  5. Formal approval time – you’ll be sent a settlement pack with all the forms you need to sign.
  6. You send everything back to our solicitor who ensures all the documentation is signed properly.

Once the application is assessed, following acceptable credit checks, employment checks (if fully verified), valuations and mortgage insurance and lending criteria have been met, the loan is then approved. You will be notified in writing of the approval. Should formal approval not be available a request for more information may be necessary. Soon after approval, you will receive loan contracts from La Trobe Financial’s solicitors for you to read and understand and then sign and return to our solicitor, in order for settlement to take place. It is recommended that you have your solicitor or conveyancer check the documents on your behalf. Once our solicitor receives the signed contracts, your loan is booked in for settlement. At settlement, money exchanges between the parties and your new loan is activated. From this date onwards, your obligations under the loan contract commence and you make the required payments.

Manage your loan

For our new and existing borrowers, please use these forms to effectively manage your loan.


Residential Solutions

With our broad product range, we are with you at every life stage.

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Insurance Solutions

La Trobe Financial aims to make insurance easy with a range of quality general insurance products tailored to suit your needs.

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We’d love to hear from you. Use the form or call 13 80 10.