Tailored to the Individual
Our residential loans are designed to cater to the needs of Australians, ensuring flexibility and convenience.
Tailored Owner-Occupied or Investment Loans
Borrowers from 6.99%^ p.a. (7.25%* p.a. comparison rate)
Residential – Our Owner-Occupied or Investment Loans are specifically crafted for individuals seeking flexible options to match your unique needs. Enjoy the convenience of a free redraw facility and cash out for personal, business, or investment requirements. These loans are available to borrowers who can provide full income verification. At La Trobe Financial, we aim to make home ownership and property investment accessible and convenient for you.
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Key Benefits
Free Redraw Facility
Access a free redraw facility to manage personal, business, or investment needs with ease.
Income Verification
These loans are available to borrowers who can fully verify their income, offering accessibility and convenience.
Our Owner-Occupied or Investment Full Doc loan is available for employed and self-employed borrowers who can fully verify their income.
Current Rate^: 6.99%
Comparison Rate*: 7.25%
Security Type: Residential security
Loan Purpose: Any worthwhile purpose (incl. cash out)
Verification Required: Last 2 pay slips and employment reference or last 2 years financials
Personal or Business/Investment Purposes: Both
Minimum Loan Amount: $100,000
Maximum Loan Amount: $25,000,000 (70% LVR)
$5,000,000 (75% LVR)
$3,000,000 (80% LVR)
Maximum LVR: 95%
Lenders Mortgage Insurance Required: >80%
Maximum Loan Term: 30 Years
Repayment Type: Principal & Interest
Maximum Interest Only Term: 5 Years reverting to P&I (+0.40% p.a. loading to interest rate)
Interest Rate Type: Variable
Redraw Available: Yes^
Application Fee (Excl. Val. & Legal Fees): from $995
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.
Get Started
If you would like to apply directly with us, you can use our Express Enquiry Form.
Access My Account
Access your loan account online to view and track your loan.
Get Help
We are here to help. Click the link below to access our contact details or send us an enquiry.
Financial Hardship
If you are experiencing financial strain due to unexpected circumstances, assistance is available. Please visit our Financial Hardship page. You can also call the team on 1800 620 639 between 8:30am and 5:30pm (AEST) Monday to Friday.
How to Get Started
Select a Product
Explore our range of lending options and select the loan that suits your needs.
Contact Your Broker
Talk to your finance professional and ask them to contact La Trobe Financial.
or Apply Online
If you would like to apply directly with us, you can use our Express Enquiry Form. Fill in some quick details and our friendly lending consultants will call you back to discuss the best options for you.
Talk to Us
We are always here to help. Talk to our friendly lending consultants and find the lending option that suits your needs.
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