SMSF from 5.79% p.a.^
Residential & Commercial Specialist Lending
Residential & Commercial Specialist Lending
Our SMSF loan products are suitable for the purchase of a range of different property types and purposes.
| 3 | reasons to deal with La Trobe Financial for your loans ... |
Choice
Broadest Products
Good Value for Money
No Risk or Equalisation fees ≤ 80% LVR
Videos
LTF Product Showcase – Commercial SMSF Lending (Part 1)
La Trobe Financial Product Showcase Commercial SMSF (Part 2)
Product Details:
click to switch between products
| Product Name | SMSF Residential | SMSF Commercial |
| Current Rate^ | 5.79%^ | 5.99%^ |
| Comparison Rate* | n/a | n/a |
| Security Type | Residential security | Commercial security |
| Loan Purpose | Purchase & Refinance of Investment | Purchase & Refinance of Investment |
| Verification Required | 80% Rental Income. SMSF Contribution Statement. Income deemed at 3.9% | 80% Rental Income. SMSF Contribution Statement. Income deemed at 3.9% |
| Personal or Business/Investment Purposes | Business/Investment only | Business/Invesment only |
| Minimum Loan Amount | $100,000 | $100,000 |
| Maximum Loan Amount | $10,000,000 (65% LVR) $2,000,000 (70% LVR) $1,500,000 (80% LVR) |
$10,000,000 (65% LVR) $3,000,000 (70% LVR) |
| Maximum LVR | 80% | 70% |
| Lenders Mortgage Insurance required | No | No |
| Maximum Loan Term | 30 Years | 25 Years |
| Repayment Type | Principal & Interest | Principal & Interest |
| Maximum Interest Only Term | n/a | 5 Years |
| Interest Rate Type | Variable | Variable |
| Redraw Available | No | No |
| Application Fee (excl. Val. & Legal Fees) | $995.00 | from 1.25% of the loan amount |
| Risk Fee | $0 | $0 |
| Additional Repayments | Yes | No |
What should I do next?
Step 2
Manually Apply with Forms
For Loan Application and Income Verification forms, click here
- A Loan Application form
- A Verification of Identity
-
One of the following Income Verification Certificates based on if you are self employed or a PAYG employee:
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.