La Trobe

La Trobe Financial Home Loans

La Trobe Financial is a leading credit specialist fund manager that offers home loans as well as wealth management and insurance solutions.

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Compare home loan rates from La Trobe Financial.

On this page you can find information about La Trobe Financial home loans. Skip ahead to the full table of products or read more about the lender.

Compare La Trobe Financial home loans

Compare La Trobe Financial home loan products below and hit "load more" to see a fuller selection of loans. You can also find more information on each individual product by clicking "more info".

$
years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

La Trobe Residential Variable P&I≥ 20% Deposit

La Trobe Residential Variable
4.49%
4.74%
  • App: $0
  • Ongoing: $0 p.a.
$761
A loan available for purchases or refinances.

La Trobe SMSF P&IInvestment≥ 20% Deposit

La Trobe SMSF
5.69%
  • App: $995
  • Ongoing: $0 p.a.
$871

La Trobe Parent to Child P&I≥ 20% Deposit

La Trobe Parent to Child
2.50%
  • App: $1,000
  • Ongoing: $0 p.a.
$594

La Trobe Aged Care P&I≥ 50% Deposit

La Trobe Aged Care
4.90%
7.02%
  • App: $2,500
  • Ongoing: $0 p.a.
$798

La Trobe Rural Option P&I≥ 25% Deposit

La Trobe Rural Option
4.99%
5.31%
  • App: $0
  • Ongoing: $0 p.a.
$806
Ideal for borrowers who wants to purchase non-metro rural properties of up to 200 acres for personal or business/investment purposes.
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La Trobe Financial lender profile

  • This lender has been operational since 1952, and has physical locations in Melbourne, Traralgon, Sydney, and Shanghai. While its physical locations limit to a few cities in Australia, it provides its services for residents of all states and territories.
  • La Trobe Financial offers its expertise in three areas: asset origination, wealth management and insurance and portfolio management. As part of its asset origination section it offers its customers an array of home loans.
  • Since La Trobe Financial is not a bank, but a registered credit provider, it does not have extensive branch networks, helping to keep their operating costs down.

How do I apply for a La Trobe Financial mortgage?

If you'd like to apply for a home loan from La Trobe Financial, please speak to a mortgage broker or contact the lender directly.

Eligibility

Each La Trobe Financial product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with La Trobe Financial you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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4 Responses

    Default Gravatar
    SpirosSeptember 6, 2015

    La Trobe low doc loans have a huge application fee. How can this be reduced ?

    Also how much is the penalty if the loan is repaid within 12 months, 24 months or 36 months or 48 months ?

    I have a house worth $500k and no debt. I have cash coming into my business of $200k in 9 months time. My accountant can verify this. My tax returns don’t show the $200k as it is a property development profit based on exchanging contracts on all the blocks of land.

    Who can give me a low doc loan with a normal application fee of say $500 ?

      Avatarfinder Customer Care
      MarcSeptember 7, 2015Staff

      Hi Spiros,

      Thanks for the question.

      I would recommend contacting LaTrobe directly to ask about their penalty fees for paying your home loan off at different stages. You can compare other lenders who offer low doc loans and also see how this type of loan works.

      I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.

      I hope this helps,
      Marc.

    Default Gravatar
    GerakdAugust 22, 2015

    Hi there

    Just got a quick question does pepper do loans for $300,000 10% deposit, and I have a default but its all paid off about 9 months ago,

    Both me and my girlfriend putting away about 1k a week right now, an incomes annual 45k and 40k.

    We are first time house buyers will that effect anything and if Pepper can’t help us do you know who could. Thank you.

      Default Gravatar
      BelindaAugust 24, 2015

      Hi Gerakd,

      Thanks for your inquiry.

      You can compare a range of Pepper home loans and under ‘LVR’ (loan-to-value ratio), you will see that the amount you can borrow varies depending on the product and whether it is low documentation or a full documentation loan.

      Generally, you should try to complete a 20% deposit so you can avoid paying Lender’s Mortgage Insurance (LMI), however, if this is not possible then Pepper Loans do allow you to borrow 90% LVR (with a 10% deposit) for specified home loans.

      If you would like to speak with a Pepper Home Loans specialist, you can enter your details and a representative will get in touch with you to discuss your options.

      As a first home buyer, you can read our first homeowner grant (FHOG) guide and learn about the grants and concessions available in your state. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Thanks,
      Belinda

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