Commercial Lending Options for the Self Employed

Borrowers from 8.49%^ p.a.

Commercial – Our Commercial Lite Doc® product is specifically designed to provide tailored financing solutions for self-employed individuals. It offers alternative methods for income verification, such as BAS statements or letters from accountants. This flexibility allows self-employed borrowers to secure financing without the need for traditional income verification processes. We understand the unique financial situations of the self-employed community and are here to support your lending needs.

Key Benefits

Current Rate^: 8.49%
Comparison Rate*: n/a
Security Type: Commercial security
Loan Purpose: Purchase or refinance commercial property including retail shops, offices, light industrial, and warehouses.
Verification Required: Accountant’s letter & Borrower declaration
Personal or Business/Investment Purposes: Both
Minimum Loan Amount: $100,000
Maximum Loan Amount: $25,000,000 (70% LVR)
$3,000,000 (75% LVR)
Maximum LVR:  75%
Lenders Mortgage Insurance Required:  No
Maximum Loan Term: 30 Years
Repayment Type: Principal & Interest Only
Maximum Interest Only Term: 5 Years
Interest Rate Type: Variable
Redraw Available: Yes^
Application Fee (excl. Val. & Legal Fees): from 1.25% of the loan amount
Risk Fee: $0
Additional Repayments: No

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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