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.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.04% | 7.30% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://cdr-api.latrobefinancial.com.au/cds-au/v1/banking/products/Residential%20Full%20Doc- Content hash
sha256 063ab3090d1f2857b7d90f4e53889d322cdbdb1cb2c348c30c7acbdbeb8c43d3- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_063ab3090d1f2857_c13947e6Show details
- Checked
- 1 Nov 2026
- URL
https://cdr-api.latrobefinancial.com.au/cds-au/v1/banking/products/Residential%20Full%20Doc- Content hash
sha256 063ab3090d1f2857b7d90f4e53889d322cdbdb1cb2c348c30c7acbdbeb8c43d3- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | 1.75% |
| Application Fee | Upfront | $995.00 |
| Monthly Account Fee | Periodic | $15.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Additional repayments are available | |
| Guarantor | Guarantors with financial benefit acceptable | |
| Redraw | ||
| 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. | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | Available to Australian residents only | |
| Eligibility: employment status | Available to customers who are PAYG and/or self-employed | |
| Limit: max limit | 50000000.00 | |
| Limit: max lvr | 0.80 | |
| Limit: min limit | 100000.00 | |
| Limit: other | ||
| Limit: other | ||
| Limit: other | ||
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.04% | 7.30% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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