Our residential loans can provide for a free redraw facility and cash out for your personal or business/investment needs. It is available to employed borrowers who can fully verify their income.
Our Employed Full Doc loan is available for employed and self-employed borrowers who can fully verify their income.
Current Rate^: 6.69%
Comparison Rate*: 6.95%
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)
$2,000,000 (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 (no charge)
Application Fee (Excl. Val. & Legal Fees): from $995
Risk Fee: $0
Additional Repayments: Yes
Our Employed Full Doc loan is available for employed and self-employed borrowers who can fully verify their income.
Current Rate^: 6.69%
Comparison Rate*: 6.95%
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)
$2,000,000 (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 (no charge)
Application Fee (Excl. Val. & Legal Fees): from $995
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.
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