RATE GUIDE | PURCHASE OR REFINANCE
| LVR loans up to $3.5M | <60% | <70% | <80% | <90% |
| Residential | 6.34% | 6.44% | 6.54% | 7.04% |
| Commercial | 6.84% | 6.94% | 7.04% | N/A |
PROGRAM LOADINGS & RISK FEES
| Interest Only (max 5 years) | add 0.40% |
| Lender Protection Fees (LPF) (Fee calculated based upon approved loan limit & not added to the interest rate). | Specialised Lending (NDIS/Co-Living) LVR’s <80% an LPF of 1% applies LVR’s >80% an LPF of 2.50% applies LVR’s >85% & <90% an LPF of 3.50% applies |
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 | $3,500,000 | N/A |
| 80.01% – 90.00% | N/A | $3,000,000 | $3,000,000 | N/A |
- Metro Postcodes – Maximum LVR is 90% available for residential securities only, maximum LVR commercial securities is 80%.
- Non-Metro Postcodes – Maximum LVR where the property is in a town with a population > 10,000 or is within 15k radius of the GPO in a town with a population > 50,000 is 80% otherwise 65%.
- Regional and Unclassified Postcodes – Maximum LVR where the property is in a town with a population > 10,000 or is within 15k radius of the GPO in a town with a population > 50,000 is 80% otherwise 65%.
PRODUCT OVERVIEW
- Available for purchase (90%) or refinance (80%) of acceptable residential or commercial securities.
- Only Corporate Trustee structures are accepted.
- Legal & Financial advice is required for all applications (some exceptions may apply for existing SMSF’s)
- *Commercial SMSF maximum Interest Only LVR is 75%.
- 100% Offset Account included.
- Servicing evidenced by member(s) superannuation contributions & rental income.
- Other investment income may be used for servicing | Max deeming rate of 4% p.a. averaged over 2 years.
- Self Employed applicants required to evidence 2 years of historical contributions being made to any Super Fund.
- All other refinances to complete the full application and provide all standard support documentation for assessment.
- Commercial program includes retail and industrial securities including Childcare, Retirement & Student Accom.
- No Vacant land | Single contract construction considered – refer to your BDM.
- Easy Refinance option for SMSF loans where original settlement occurred 1 year or more from the current date.
APPROX. FEES
GET IN
| Application Fee | $199.00 |
| Valuation Fee | At cost |
| Lenders Legal Fee from | $595.00 + costs |
| Annual Fee | $395.00 |
| Settlement Fees | $199.00 |
GET OUT
| Discharge Fees approx. | $2,200.00 |
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 15th September 2025.