Residential Full Doc
Our Owner-Occupied or Investment Loans are specifically crafted for individuals seeking flexible options to match your unique needs. Enjoy the convenience of a free redraw facility and cash out for personal, business, or investment requirements. These loans are available to borrowers who can provide full income verification. At La Trobe Financial, we aim to make home ownership and property investment accessible and convenient for you.
- From (owner occupied)
- 6.69%
- 6.95% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Interest rate may be higher if investment purpose | 6.69% | 6.95% | — |
Any purpose — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 month Interest only loading of 0.40% to be added to interest rate on loans up to $5,000,000 if an interest only period (up to 5 years) is selected | 0.4% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee No minimum value shown given minimum application fee is a dollar amount ($995) | Upfront | 175% 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 — $50,000,000.00$50,000,000 up to 60% LVR
- Maximum LVR — 8000%Maximum LVR of 80% available up to $5,000,000
- Minimum limit — $100,000.00
- Lenders Mortgage Insurance required if >80% LVR
- Property area must be <25 acres
- 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 Residential Full Doc