Our Loans Frequently Asked Questions

La Trobe Financial offers one of Australia’s broadest product ranges, financing every life cycle.  We consider your situation and consider all of your personal circumstances fairly and compassionately. You can choose the length of your loan that best suits your needs, with our flexible repayment schedules from 1 to 30 years. We also can provide a redraw service with no applicable fees or charges so you can withdraw funds that have been received ahead of schedule.

Approachable & Reasonable
We specialise in loans for any reasonable purpose and helping people with debt consolidation. So, if you need a mortgage loan from as little as $100,000 up to $25 million, or if you simply need to get your debts under control, we would like to help.

We may be able to help those who are/have:

  • short term self-employed;
  • self-employed without 2 years of completed taxation returns;
  • listed defaults and/or court judgments on their credit file (at our discretion);
  • recently discharged from bankruptcy;
  • limited savings history;
  • irregular employment history, including contract, seasonal, part time, casual or temporary work;
  • recently arrived in Australia or a non-resident;
  • large number of debts to consolidate;
  • in need of cash out including refinancing ATO and business debt.

Simple Application Process
Call 13 80 10 now or fill out an Application Form and supply the relevant information today – it’s that simple. If you need a hand completing the Application Form, just ask one of our friendly Sales Team members and they’ll be happy to help.

Fast Approval (On-The-Spot)
With our dedicated Sales Team we can provide you with an initial loan approval within 24 hours, subject to our usual lending assessment criteria.

Personal Service
You won’t be talking to an answering machine at La Trobe Financial. With La Trobe Financial representatives located across Australia, and our 13 80 10 National Mortgage Hotline open 8:30am to 5:30pm Mon-Fri, you will receive personal attention during the loan application process, from start to finish.

We are not an Authorised Deposit-Taking Institution. La Trobe Financial is a licenced credit provider, and operates in each State and Territory of Australia. We lend money on flexible terms and have done so for over 68 years covering over 150,000 individual mortgage loans.


Commercial Solutions

Our Commercial loan products suit both PAYG and self-employed borrowers looking to purchase, refinance or access equity using commercial property.

View More

Residential Solutions

With our broad product range, we are with you at every life stage.



We’d love to hear from you. Use the form or call 13 80 10.