Intro Rate Home Loans - La Trobe - 6 Mth Discount <75%

This loan is suitable for
Casual
Commissions (will be considered with proven history)
DSS Pension (Max Loan is $30,000 if only source of income relied upon)
Family Allowance (Max Loan is $30,000 if only source of income relied upon)
Gross Income (2 years verified continuous employment for PAYG
Maintenance (may be considered)
Permanent Pension (Reduced loan amount)
Regular Overtime
Rental Income (80% of rental income used for servicing)
Second Job (a percentage only)
Self Employed (prove business existence for minimum 2 years with 2 years full financials)

Home Loan Loan Term
Maximum - 40 years

Home Loan Loan Size
Minimum Loan $20,000
Maximum Loan $1,500,000
WA loans capped at $500,000 per security

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Home Loan Repayment Type
Principal & Interest
Interest Only - Maximum 5 years

Repayment Options
Weekly, Fortnightly, Monthly

Extra Repayments
Available - No Max on Owner Occupied loans, up to $10,000 p.m. on Investment loans without penalty.

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Split Loan Facility
Available - Loans can only be split within their own product set. $750 fee applies.

Offset
Partial Offset Available - Cash Management Account available.

Redraw Facility
Available - minimum redraw $1,000, redraw fee $0.

LVR for Intro Rate Home Loans - La Trobe - 6 Mth Discount <75%

Owner Occupied Max LVR 95%
Investment Max LVR 90%
Construction Max LVR NA
Refinance Max LVR 90%
Vacant Loan Max LVR NA
Debt consolidation Max LVR 90%

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Fees for Intro Rate Home Loans - La Trobe - 6 Mth Discount <75%

Application Fee $550 or 0.50% of the loan amount.
Annual Fee $50
Settlement Fee $120 (displayed in Preparation Fee), plus Title Insurance Fees charged: Residential Securities with loans <$600k = $100 (ex GST) and $60 for each additional security. Commercial Securities - $300 ex GST for loans <$500k and $75 for each additional security.
Valuation Fee $302.50 - (Minimum residential security to cover the cost of independent sworn valuation of proposed security property for purpose of Mortgagee only, payable on application).
Extra Valuation Fee - Refer to lender for cost.
Discharge Fee $980 - Plus solicitors fees of approximately $400 (Further fees as specified in the loan contract may apply).
Early Repayment / Termination $300 - If loan is personal purposes, Investment purposes - 3 months interest (based on outstanding loan balance) or Break Cost (which is the lesser) for Fixed Rate Loans.
Legal Fees $550 (displayed in Preparation Fee) - La Trobe’s legal fees are scaled. Payment is required at Statement plus any out of pocket expenses. Please contact La Trobe’s help desk for exact cost.
Other Fees - Refer to Latrobe’s Product Matrix for full list of fees.
Split Fee $750.