Tailored to Support the Self-Employed
Our loans are specifically designed to help meet the financial needs of self-employed individuals, offering customised support.
Tailored Residential Loans for the Self-Employed
Borrowers from 6.09%^ p.a. (6.35%* p.a. comparison rate)
Residential – Our Self-Employed Loans are designed directly for the self-employed community. We provide alternative options for income verification, making it easier for self-employed individuals to access financing. Whether you’re a freelancer, business owner, or entrepreneur, our loans offer tailored support to help you achieve your financial goals. At La Trobe Financial, we understand the unique financial needs of the self-employed and are here to assist you.
0:00/0:00
Key Benefits
Alternative Income Verification
Benefit from alternative options for income verification, making financing more accessible for the self-employed.
Personalised Service
We treat each loan application individually, providing personalised service to meet your specific needs and circumstances.
Our Self-Employed Full Doc loan is available for self-employed borrowers who can fully verify their income with two-year financials.
Current Rate^: 6.09%
Comparison Rate*: 6.35%
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
Our Self-Employed Lite Doc® loan is available for borrowers who wish to provide alternative methods of income verification which may include BAS or a letter from your accountant.
Current Rate^: 6.19%
Comparison Rate*: 6.46%
Security Type: Residential security
Loan Purpose: Any worthwhile purpose (incl. cash out)
Verification Required: Accountant’s letter or Trading Statements or BAS
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: 80%
Lenders Mortgage Insurance Required: No
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 0.75%
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.
Products You May Also Like
Insurance Solutions
We are looking out for you with a new insurance partnership focusing on coverage for your property, either the one you live in, or your investment property.
Lite Doc®
Tailored financing for self-employed individuals with our Commercial Lite Doc® product. Alternative income verification methods accepted.
Development
Unlock development potential with our tailored Development Loans. Suitable for small to medium-sized development projects.