Housing Loan Full Doc Clear Residential 80% Housing Loan - Full Doc Clear Residential 80% <$1.25M

  • 5.19%
    p.a Standard Variable
  • 5.31%
    p.a Comparison**
  • $2,100
    Upfront fees
  • $180
    Annual fees
  • 80%
    Max Lvr
  • $2,100
    Per Month*

About La Trobe Financial

La Trobe Financial continue to produce solid growth in the current competitive climate which is reflective of their hard work and dedication. Their brokers are committed and enthusiastic who take pride in the service they offer customers. Their ongoing strategic vision is to maximise their customer’s financial opportunity where they can. As they strive to be the best in the industry, especially when it comes to customer service, La Trobe Financial aim to deliver their best work within an environment driven by values and great products.

Standard Variable

Repayments calculated to take into account ongoing monthly and anual fees.

Monthly repayment*
rate per annum

Loan to Value Ratio

Borrow up to the maxium of 80% of the value of the property.

Lenders Mortgage Insurance, or LMI, will be payable on most loans where the borrowings are greater than 80% of the value of the property.

However, you may be able to capitalise LMI into your loan, increasing the overall loan amount by about 2% (in order to cover the cost of the insurance). Contact a loan market broker to find out how LVR and LMI might impact the cost of your loan repayments.

Capitalise LMI


For ["Equity", "Investment", "Owner Occupied"], in ["NSW", "NT", "QLD", "SA", "WA", "VIC", "TAS", "ACT"].

1 - 30 years


The level of financial documentaion and credit history required to apply for the loan.

Full Doc
Credit History
Genuine Saving
Not Required

Redraw Facility

Get quick access to cash by drawing on the loan to pay for renovations or other purchases.

Redraw Facility
Min Redraw
Redraw fee

Banking Features

Given the wide range of loans on offer – with different interest rates, product features and fees – it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.

Some features you may wish to consider include:

  • an offset account;
  • ability to make extra repayments;
  • a redraw facility; and
  • linked credit card and savings accounts;
  • ability to split your loan between fixed and variable interest rates
Offset Account
Redraw Available
Credit Card
Internet Banking
Telephone Banking
BPay Option
Portability of Loan
Professional Pack
Check Account
Direct Salary Credit
Free Transactions
Minimum Redraw
Redraw Fee


You can make your repaments Fortnightly, Monthly, and Weekly.

Interest Only Option
Max Interest Only
5 years

Upfront Fees

Upfront fess associated with estabilishing the loan. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.


Ongoing Fees

Monthly and annual fees and charges during the loan period.

Ongoing Monthly

Exit Fees

Fees associated with prematurely ending the loan.

Early Repayment
Switch To Fixed


Interest Only loading 0.30% Quoted rate applies to Residential purchase, Refinance ,Debt Consolidation & Cash out for Clear risk grade with LVR up to 80%. Rate will vary for various LVRs, Credit Repair & risk grades. For NCC Regulated Loans Exit Fee: Discharge settlement fee/s totalling $915 excluding Solicitor costs will be charged upon exit as disclosed in the Loan Offer. For Non-Regulated loans fee is $1845 exc. Solicitors cost. La Trobe Full Doc Residential products are available for a variety of purposes: - Purchase (owner occupied or investment) - Refinance (Debt consolidation, personal or business purposes) - Credit Repair All Full Doc loans have fully flexible features (including a free redraw facility) that cater for all clients needs on either an interest only or principal and interest basis. Purchase loans are available for owner occupied or investment; Refinance loans are available for multiple purposes, including Cash out; and our Credit Repair product caters for those borrowers who require an individual assessment because of their past credit history. Min ABN Registration period of 12 months required. Income verification: Last 2 pay slips and employment reference or Last 2 years financials.

LVR Notes

Maximum LVR 80% Max number of properties on one title is 4 with LVR limited to 65%.

Fee Notes

Application fee Deducted at settlement: 0.75% – 1.50% of loan amount (min $980). Valuation Fee payable at cost. Minimum resi-security $330.00 to cover the cost of independent sworn valuation of proposed security property for purposes of Mortgagee only. Solicitors Cost: Disbursements to be paid on top of quoted fee. Title Insurance Fee: At cost

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided