La Trobe FinancialResidential 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.
At a glance
- Pricing
- Rates on application
- Variable (owner occ. P&I)
- 7.04%, 7.30% comparison
- Max LVR
- 80%
- Annual fee
- $180
- Features
- redraw, extra repayments
Rates
Every rate La Trobe Financial publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInterest 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 | Interest only | 1 mo fixed | - | 0.40% | - | - |
| VariableInterest rate may be higher if investment purpose | Owner occupied, P&I | - | - | 7.04% | 7.30% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 29 Oct 2026 | Variable, Owner occupied, P&I | 6.79% | 7.04% | up 0.25 |
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
3 fees published, grouped by when they're charged.
- When you take it outUp to $9952 fees, each listed below
- While you hold it$15 a monthMonthly Account Fee
- When you close it or pay it offNo fee published
When you take it out2
- Application Fee
The minimum application fee of $995
$995 - Application Fee
No minimum value shown given minimum application fee is a dollar amount ($995)
1.75% 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 PAYG and/or self-employed
- Amount $100,000 to $50,000,000
- Maximum LVR 80%
- 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
Compare it with others
Put this product through a calculator
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.