Snapshot Rate Guides | July 2025
| Easy Refi Lending | <60% | <65% | <70% | <75% | <80% |
|---|---|---|---|---|---|
| Vibe Owner Occupied Easy Refi | 5.69% | 5.69% | 5.69% | 5.79% | 5.79% |
| Vibe Investment Easy Refi | 5.99% | 5.99% | 5.99% | 6.09% | 6.09% |
| Vibe Easy Refi SMSF | Residential | 6.44% | 6.44% | 6.44% | 6.54% | 6.54% |
| Vibe Easy Refi SMSF | Commercial | 6.94% | 6.94% | 6.94% | 7.04% | 7.04% |
| Vibe Commercial Easy Refi | 7.49% | 7.59% | 7.69% | 8.09% | 8.41% |
| SMSF Rates | Residential | <60% | <70% | <80% | <90% |
|---|---|---|---|---|
| Zoom SMSF | Max loan $1.5M | 6.54% | 6.54% | 6.84% | 7.54% |
| Vibe SMSF | Max loan $3.5M | 6.59% | 6.69% | 6.69% | 6.79% |
| Vogue SMSF | Max loan $3M | 6.59% | 6.84% | 6.94% | N/A |
| SMSF Rates | Commercial | <60% | <70% | <80% | <90% |
|---|---|---|---|---|
| Vibe SMSF | Max loan $3.5M | 7.09% | 7.19% | 7.29% | 7.29% |
| Zoom SMSF | Max loan $2M | 7.24% | 7.24% | 7.64% | 7.64% |
| Vogue SMSF | Max loan $3M | 7.44% | 7.64% | 7.74% | N/A |
| Specialty Programs | <70% | <80% |
|---|---|---|
| Vibe Co-Living Lending | 7.55% | 7.65% |
| Vibe NDIS / SDA Lending | 7.55% | 7.66% |
The Flip Side (our other stuff)
Easy Refi for Owner Occupied or Investment, rates from 5.69% >
Commercial Easy Refi rates from just 7.49% >
NDIS lending including construction up to 80% LVR >
Co-Living lending including construction up to 80% LVR >
Owner Occupied lending up to 95% >
Investment lending up to 95% >
Lo Doc for residential or commercial securities >
Rural securities with large acreage >
Scenario Central…What is it? Where is it?
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