La Trobe FinancialEveryday Heroes Lite Doc
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.
At a glance
- Pricing
- Rates on application
- Variable (owner occ. P&I)
- 7.04%, 7.31% comparison
- Max LVR
- 80%
- Annual fee
- $180
- Features
- redraw, extra repayments
Rates
The one rate La Trobe Financial publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest rate may differ if Full Doc income verification used | Owner occupied, P&I | - | - | 7.04% | 7.31% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 29 Oct 2026 | Variable, Owner occupied, P&I | 6.64% | 7.04% | up 0.40 |
Each change is logged the night it appears in the rates La Trobe Financial publishes. See how every lender answered the RBA on the rate tracker.
Fees
2 fees published, grouped by when they're charged.
- When you take it out0.75% of balanceApplication Fee
- While you hold it$15 a monthMonthly Account Fee
- When you close it or pay it offNo fee published
When you take it out1
- Application Fee0.75% of balance
While you hold it1
- Monthly Account Fee$15 a month
Features
Eligibility and limits
- Minimum age 18
- Residency: Available to Australian residents only
- Employment: Available to customers who are self-employed or a mixture of PAYG and self-employed.
- Amount from $100,000, no maximum
- Maximum LVR 80%
- This specialised loan offers discounted pricing to eligible Police, Fire and Emergency Services, Australian Defence Force, and Emergency Medical Services personnel.
- Interest rate and LVR may differ depending on security property size and location
- Loan terms up to 30 years
Compare it with others
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Published by La Trobe Financial under the Consumer Data Right, last changed by them on 28 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.