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.
Specialised Loans for Rural-Resi Properties
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.
Key Benefits
Versatile Use
Designed for personal use or expanding your rural property investment portfolio, offering flexibility for various purposes.
Personalised Service
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.
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
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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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