Residential Lite Doc
Our Self-Employed Loans are designed directly for the self-employed community. We provide alternative options for income verification, making it easier for self-employed individuals to access financing. Whether you’re a freelancer, business owner, or entrepreneur, our loans offer tailored support to help you achieve your financial goals. At La Trobe Financial, we understand the unique financial needs of the self-employed and are here to assist you.
- From (owner occupied)
- 6.84%
- 7.11% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Interest rate may be higher if investment purpose | 6.84% | 7.11% | — |
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 | Upfront | 75% of balance |
| 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
- 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 Lite Doc