Vibe Construction

CONSTRUCTION POLICY CHANGES EFFECTIVE COB 2ND JUNE 2025

Maximum LVR greater than 80% is subject to LMI approval.
Maximum LVR for Inner-City, High-Risk and High-Density postcodes is 90% subject to LMI approval.
Maximum LVR for Regional and Unclassified postcodes is 70%.
Maximum LVR for Regional and Unclassified postcodes is 80% where the security property is in a town where the population is >10,000 or within 25 km of a major regional town where the population >50,000.
Maximum LVR for Regional and Unclassified postcodes is 90% subject to LMI approval where the security property is in a town where the population is >10,000 or within 25 km of a major regional town where the population is greater than 50,000.

RATE GUIDE | PURCHASE HOUSE & LAND

LVR Options	<70% (max loan size $3.5M)	<80% (max loan size $3.5M)	<90% (max loan size $3M)	<95% (max loan size $2M)
Owner Occupied	5.79%	5.89%	6.39%	6.89%
Investment	6.09%	6.19%	6.69%*	7.19%*

PURPOSE LOADINGS & RISK FEES

^Interest Only (max 5 years)	Add 0.40% (applies to construction applications if IO repayments required for >15 months)
*Construction Loading	For loans greater than 80% LVR, add 0.40% rate loading during the construction period. This loading is removed once construction is complete.
Construction Risk Fees (CRF) (CRF is applicable to all construction loans. Fee calculated based upon approved loan limit & not added to the interest rate. Monthly CRF is mandatory which is 1/12^th of full CRF amount).	Owner Occupied: <80% – 0.00%, <85% – 2.25%, <90% – 3.50%, <91% – 4.00%, <92% – 4.50%, <93% – 5.00%, <94% – 5.50%, <95% – 6.00% Investment: <80% – 0.50%, <85% – 2.75%, <90% – 4.00%, <91% – 4.50%, <92% – 5.00%, <93% – 5.50%, <94% – 6.00%, <95% – 6.50% Multi Dwelling (excludes Duplex): <75% – 2.50%, <80% – 3.00%

MAX LOAN SIZE & LVR GUIDE

LVR	Inner City	Metro	Non-Metro	Regional and/or Unclassified
0 – 70%	$3,500,000	$3,500,000	$3,500,000	$3,000,000
70.01% – 80.00%	$3,500,000	$3,500,000	$2,500,000	$2,500,000
80.01% – 90.00%	$3,000,000	$3,000,000	$3,000,000	$1,750,000
90.01% – 95%	NA	$2,000,000	$2,000,000	By Exception

Postcode Limits | Metro & Non Metro 95%, High Density 90%, Inner City & High Risk 85%, Regional & Unclassified 80%
Minimum loan size is $50,000.
Maximum Borrower exposure is $10M

PRODUCT OVERVIEW

Available for house & land construction in Metro, Non Metro, Regional & Unclassified locations subject to policy guide effective September 2025.
Construction to be completed within 12 months of land settlement, penalties may apply.
Product includes Offset Account, BPAY®, Internet Banking, ATM/EFTPOS access, Redraw (post construction).
100% of the Borrower(s) funds to complete is retained by the lender at settlement.
Above rates include standard Interest Only term during construction of 12 months followed by P&I repayments.
^Interest Only after construction phase is unavailable for Owner Occupied loans >80% & <95% LVR.
^Interest Only Investment after construction up to 5 years with LVR’s >80% add 0.40% to the rate.
Debt to Income Ratio to be less than 8.00:1 where the LVR is >80% and <95%.
Progress draw fees may be higher on application (if higher then the actual cost will be charged).
Available for accepted Visa Holders for Temp/Permanent applicants living, working & paying tax in Australia to 80%.
Vacant land as stand-alone security is not acceptable.

APPROX. FEES

GET IN

Application Fee	$199.00
Construction Admin Fee	$750.00
Valuation Fee from	At cost
Lenders Legal Fee from	$440.00
Progress Drawdown Fee (includes 5 progress inspections)	$925.00
Annual Fee Owner Occ	$0.00 if LVR < 80% $395.00 if LVR > 80%
Annual Fee Investment	$395.00
Settlement Fee	$199.00

GET OUT

Discharge Fees approx.

$895.00

Other terms, fees & charges may apply. Refer to the Postcode Guide for more details on acceptable security locations and LVR limitations. Product availability & conditions are subject to change without notice. Australian Credit Licence 409 649. Rates are effective from 9th February 2026.