ABOUT THE PORTFOLIO LOAN FACILITY | A SMART WAY TO HELP PAY OFF YOUR HOME LOAN SOONER!
This versatile program is available to qualifying borrowers seeking to take advantage of broad range rate efficiencies through a Portfolio structure when purchasing or refinancing their owner-occupied loan in combination with at least 1 investment loan.
One of the key features of the Portfolio Facility is the inherent flexibility in its structure to potentially reduce monthly interest repayments and/or pay off the owner-occupied debt sooner through a blended assessment rate.
A key fundamental of this program is that the properties are never cross collateralised, a process of securing multiple assets (property) together in a single loan. While a cross collateralised strategy has some benefits, it equally also involves a level risk. Importantly though the Portfolio Facility does not utilise this strategy – meaning the properties are always separate assets.
Under the Portfolio Facility, the debt totals for each property are used to achieve a blended assessment rate to assist in identifying the minimum floor rate for the Owner Occupied, which could be as little as 4.85%, and a maximum ceiling rate for the Investment portion of up to 8.74%.
If a client decides to sell a property that is held inside the Portfolio Facility they can easily do so however may no longer qualify under the program if minimum property requirements are not met.
Individual loans ultimately are assessed using the standard Vibe Variable rates listed below and Portfolio Facility rates are applied post settlement of the qualifying properties to the funder.
The Portfolio Facility is financial product and not applicable for every homeowner. Scene Finance recommends that all Borrower(s) seek additional advice from their Accountant or Adviser to ensure the program is suitable for their individual circumstances.
To receive a quotation of the potential floor and ceiling rates, send an email to us with the individual loan amounts for owner-occupied and investment loans.
STANDARD VARIABLE RATE GUIDE | PURCHASE OR REFINANCE
| LVR Options | <70% | <80% | <85% | <90% |
| Owner Occupied | 6.29% | 6.39% | 6.64% | 6.89% |
| Investment | 6.59% | 6.69% | 6.94% | 7.19% |
PURPOSE 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) | Owner Occupied: >0.0% – 80% | 0.00% >80% – 81% | 1.25% >81% – 82% | 1.50% >82% – 83% | 1.75% >83% – 84% | 2.00% >84% – 85% | 2.25% >85% – 86% | 2.50% >86% – 87% | 2.75% >87% – 88% | 3.00% >88% – 89% | 3.25% >89% – 90% | 3.50% >90% – 91% | 4.00% >91% – 92% | 4.50% >92% – 93% | 4.75% >93% – 94% | 5.00% >94% – 95% | 5.25% Investment: >0.0% – 80% | 0.00% >80% – 81% | 1.75% >81% – 82% | 2.00% >82% – 83% | 2.25% >83% – 84% | 2.50% >84% – 85% | 2.75% >85% – 86% | 3.00% >86% – 87% | 3.25% >87% – 88% | 3.50% >88% – 89% | 3.75% >89% – 90% | 4.00% >90% – 91% | 4.50% >91% – 92% | 5.00% >92% – 93% | 5.25% >93% – 94% | 5.50% >94% – 95% | 5.75% |
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 | N/A |
- Metro Postcodes – Maximum LVR is 95%.
- Non-Metro Postcodes – Maximum LVR where the property is owner occupied, or the property is investment and 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 95% otherwise 90%.
- 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%.
- Maximum Borrower exposure is $10M.
PRODUCT OVERVIEW
- Qualifying Borrowers must have 1 x Owner Occupied property and at least 1 Investment property.
- Available for purchase or refinance of residential dwellings including construction (Portfolio Facility inclusion only available upon construction being completed).
- Maximum loan term is 30 years.
- Maximum total Borrower exposure is $10,000,000.
- Interest Only up to 5 years to 90% for Investment & 80% Owner Occupied.
- Product includes Offset Account, BPAY®, Internet Banking, ATM/EFTPOS access, Redraw.
- ^Interest Only (Investment) available for up to 5 years with 90% for Investment & 80% Owner Occupied
- Lenders Mortgage Insurance is payable by the Borrower for LVR’s over 80%.
- Debt to Income Ratio to be less than 8.00:1 where the LVR is greater than 80% and less than 90%.
- Cash-out | >80% and <90% limited to 20% of security value | less than 80% unlimited with declaration of use.
- 100% Offset included & Redraw available
- Minimum security size 40m2 exclusive of balconies and car parks.
- Vacant land as stand-alone security is not acceptable.
- Other acceptable land tenure includes Freehold -Torrens, Strata and Community Titles | Crown Leasehold subject to the lease not expiring until a date at least 5 years past maturity of the loan.
APPROX. FEES
GET IN
| Application Fee | $199.00 x 2 |
| Valuation Fee | At cost |
| Lenders Legal Fee from | $440.00 x 2 |
| Annual Fee Owner Occ | $0.00 if LVR < 80% $395.00 if LVR > 80% |
| Annual Fee Investment | $395.00 per investment |
| Settlement Fees | $99.00 x 2 |
GET OUT
| Discharge Fees approx. | $795.00 per property |
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 8th July 2026.