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Our residential loan solutions for Self-employed Borrowers from 6.69%^ p.a. (6.95%* p.a. comparison rate)

With our innovative and solutions focused product, self-employed borrowers now have a genuine alternative lending solution to help them meet their requirements and objectives.

Full Doc

Our Self-Employed Full Doc loan is available for self-employed borrowers who can fully verify their income with two-year financials.

Current Rate^: 6.69%

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 Self-Employed Full Doc loan is available for self-employed borrowers who can fully verify their income with two-year financials.

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

Lite Doc®

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^: 7.34%

Comparison Rate*: 7.61%

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)
$2,000,000 (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 (no charge)

Application Fee (excl. Val. & Legal Fees): from 0.75%

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^: 7.34%

Comparison Rate*: 7.61%

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)
$2,000,000 (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 (no charge)

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.

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Contact
 

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