La Trobe FinancialResidential Construction
Our residential Construction Loans are tailored for individuals with dreams of constructing a new home, whether it’s for personal use, investment, or expanding your existing residence. The residential construction loans cater for both PAYG and self-employed borrowers. Whether you’re planning to build your dream home or invest in new properties, our loans aim to provide the financial support you need to bring your construction projects to life.
At a glance
- Pricing
- Rates on application
- Variable (owner occ. P&I)
- 8.59%, 8.92% comparison
- Variable (investor P&I)
- 8.59%
- 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 |
|---|---|---|---|---|---|---|
| VariableReverting interest rate may differ on completion of the construction period | P&I | - | - | 8.59% | 8.92% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 29 Oct 2026 | Variable, P&I | 8.49% | 8.59% | up 0.10 |
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 out1.25% of transactionApplication 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 Fee1.25% of transaction
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 either PAYG or self-employed
- Amount $100,000 to $50,000,000
- Maximum LVR 80%
- Product only available for to-be-constructed dwellings by a registered builder
- Interest rate and LVR may differ depending on security property size and location
- Loan terms up to 30 years
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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.