Salary Full Doc

Our residential and commercial Full Doc loan products have flexible features that cater for all your purchase, refinance (including cash out) and business/investment requirements. Our Full Doc loans are also available to self-employed borrowers who can fully verify their income.

Product Details:

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Product Name Full Doc Residential Lease Doc
Current Rate^ 3.99%^ 5.99%^
Comparison Rate* 4.28%* n/a
Security Type Residential security Commercial security
Loan Purpose Any worthwhile purpose (incl cash out) Purchase, Refinance and Debt consolidation
Verification Required Last 2 pay slips and employment reference or last 2 years financials Full lease agreement
Personal or Business/Investment Purposes Both Both
Minimum Loan Amount $100,000 $100,000
Maximum Loan Amount $10,000,000 (70% LVR)
$2,500,000 (75% LVR)
$1,250,000 (80% LVR)
$10,000,000 (70% LVR)
Maximum LVR 95% 70%
Lenders Mortgage Insurance required >80% No
Maximum Loan Term 30 Years 25 Years
Repayment Type Principal & Interest Interest Only
Maximum Interest Only Term 5 Years reverting to P&I (+0.40% p.a. loading to interest rate) 5 Years
Interest Rate Type Variable Variable
Redraw Available Yes No
Application Fee (excl. Val. & Legal Fees) from 0.75% of the loan amount from 1.25% of the loan amount
Risk Fee $0 $0
Additional Repayments Yes No

* The comparison rate is based on secured credit of $150,000 and a term of 25 years. WARNING Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Terms, conditions, fees, charges and La Trobe Financial Lending criteria apply. ^ Depends on the loan amount, LVR and/or risk grade of the borrower.

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Key Borrower Documents: