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.
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% | 7.31% | Variable · owner occupied · principal and interest | Certain occupations | 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/Everyday%20Heroes%20Lite%20Doc- Content hash
sha256 29b5c816ca1d8f14861727935a0629bd9e45d61502b721d25cc050c8d5ccd20e- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_29b5c816ca1d8f14_1392d3e7Show details
- Checked
- 1 Nov 2026
- URL
https://cdr-api.latrobefinancial.com.au/cds-au/v1/banking/products/Everyday%20Heroes%20Lite%20Doc- Content hash
sha256 29b5c816ca1d8f14861727935a0629bd9e45d61502b721d25cc050c8d5ccd20e- 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 | 0.75% |
| Monthly Account Fee | Periodic | $15.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Additional repayments are available | |
| Guarantor | Guarantor 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 self-employed or a mixture of PAYG and self-employed. | |
| Eligibility: other | This specialised loan offers discounted pricing to eligible Police, Fire and Emergency Services, Australian Defence Force, and Emergency Medical Services personnel. | |
| Limit: max balance | 5000000.00 | |
| Limit: max lvr | 0.80 | |
| Limit: min limit | 100000.00 | |
| 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% | 7.31% |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:occupation | Certain occupations | Shown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged |
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