Everyday Heroes
Home LoansNegotiable rates
The Everyday Heroes Loan® is our way of honouring and supporting the vital emergency service workers who consistently support our community. This specialised loan offers discounted pricing to eligible Police, Fire and Emergency Services, Australian Defence Force, and Emergency Medical Services personnel. They are our everyday heroes, and this loan is designed to acknowledge their remarkable service.
- From (owner occupied)
- 6.49%
- 6.75% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Interest rate may differ if Lite Doc income verification used | 6.49% | 6.75% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee Application fee is $995 for Full Doc and 0.75% for Lite Doc | Upfront | 75% of transaction |
| Application Fee The minimum application fee of $995 | Upfront | $995.00 |
| Monthly Account Fee Charged monthly | Ongoing | $15.00 |
Features
- Extra repayments
- Additional repayments are available
- Guarantor supported — Guarantors with financial benefit acceptable
- Redraw facility
- Bonus rewards — 50000
- Apply for a residential loan and earn 50,000 Qantas Points when you settle an Eligible Residential Loan of $100,000 or more – plus 15,000 bonus Qantas Points on each anniversary of your loan for the first five years. Terms and conditions apply. See link.
- Digital banking
- Access your loan account online to view and track your loan via the La Trobe Financial website.
Constraints
- Maximum limit — $5,000,000.00$5,000,000 up to 80% LVR
- Maximum LVR — 8000%Maximum LVR of 80% available up to $5,000,000
- Minimum limit — $100,000.00
- Interest rate and LVR may differ depending on security property size and location
- Loan terms up to 30 years
More Information
Published by La Trobe Financial under the Consumer Data Right · Last updated 7 July 2026 · Product ID Everyday Heroes