Variable Rate Home Loans - La Trobe - Credit Repair Full Doc (Credit Repair 2) 70% to 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 (100% considered on a case by case basis),
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 $10,000p.m on Investment loans withount 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 Variable Rate Home Loans - La Trobe - Credit Repair Full Doc (Credit Repair 2) 70% to 75%

Owner Occupied Maximum LVR 80%
Investment Maximum LVR 80%
Refinancing Maximum LVR 80%
Debt consolidation Maximum LVR 80%

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Fees for Variable Rate Home Loans - La Trobe - Credit Repair Full Doc (Credit Repair 2) 70% to 75%

Application Fee 1% of loan amount (minimum $890.00)
Annual Fee $50 ($25 charged on 1 January and 1 July, plus for unregulated loans, a Packet Review Fee of $300 is charged annually to the account on the anniversary of initial settlement.)
Settlement Fee $120 - (Plus Title Insurance Fees charged: Residential Securities with loans <$600k = $120 (ex GST) and $70 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 - 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 the La Trobe Fee & Charges Guide for full list of fees
Split Fee $750.