Rural Property Access
Our Residential-Rural Loans accepts eligible properties as security, making it easier for borrowers in rural areas to access credit to purchase or refinance non-metro rural properties, fulfilling property ownership dreams.
Borrowers from 7.69%^ p.a. (8.02%* p.a. comparison rate)
Residential – Our Residential-Rural Loan product is designed to help borrowers purchase rural properties. Designed for those looking to purchase or refinance non-metro rural properties, typically ranging up to 100 acres in size, for either personal or investment purposes. Whether you’re aspiring to own a rural dwelling or expand your property portfolio, our loan product provides the financial support you need.
Our Residential-Rural Loans accepts eligible properties as security, making it easier for borrowers in rural areas to access credit to purchase or refinance non-metro rural properties, fulfilling property ownership dreams.
Designed for personal use or expanding your rural property investment portfolio, offering flexibility for various purposes.
We treat each mortgage application individually, providing personalised service to meet your specific needs and circumstances.
Current Rate^: 7.69%
Comparison Rate*: 8.02%
Security Type: Rural-Resi typically ≥ 25 and ≤ 100 acres
Loan Purpose: Purchase, refinance and debt consolidation for personal or business/investment purposes.
Verification Required: 2 payslips OR last 2 years financials/tax assessment notices
Personal or Business/Investment Purposes: Both
Minimum Loan Amount: $100,000
Maximum Loan Amount: $5,000,000
Maximum LVR: 75%
Lenders Mortgage Insurance Required: No
Maximum Loan Term: 30 Years
Repayment Type: Principal & Interest
Maximum Interest Only Term: Up to 5 years
Interest Rate Type: Variable
Redraw Available: Yes^
Application Fee (excl. Val. & Legal Fees): from 0.75% of the loan amount
Risk Fee: $0
Additional Repayments: Yes
Current Rate^: 8.24%
Comparison Rate*: 8.57%
Security Type: Rural-Resi typically ≥ 25 and ≤ 100 acres
Loan Purpose: Purchase, refinance and debt consolidation for personal or business/investment purposes.
Verification Required: Borrower repayment declaration PLUS one of the following; accountant’s letter, BAS or Trading Statements
Personal or Business/Investment Purposes: Both
Minimum Loan Amount: $100,000
Maximum Loan Amount: $5,000,000
Maximum LVR: 75%
Lenders Mortgage Insurance Required: No
Maximum Loan Term: 30 Years
Repayment Type: Principal & Interest
Maximum Interest Only Term: Up to 5 years
Interest Rate Type: Variable
Redraw Available: Yes^
Application Fee (excl. Val. & Legal Fees): 1.25% of the loan amount
Risk Fee: $0
Additional Repayments: Yes
Consumer advisory note: Maximum loan amounts and LVRs may vary based on security offered. * The comparison rate is based on secured credit of $150,000 and a term of 25 years. WARNING – Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Terms, conditions, fees, charges and La Trobe Financial lending criteria apply. ^ Depends on the loan amount and risk grade of borrower.
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