RATE GUIDE | PURCHASE OR STANDARD REFINANCE
| LVR Options | <70% | <80% | <90% | <95% |
| Owner Occupied | 5.54% | 5.64% | 6.14% | 6.64% (max loan size $2M at 95%) |
| Investment | 5.84% | 5.94% | 6.44% | 6.94% (max loan size $2M at 95%) |
RATE GUIDE | EASY REFINANCE APPLICATIONS
| LVR Options | <70% | <80% |
| Owner Occupied | 5.44% | 5.54% |
| Investment | 5.74% | 5.84% |
ALL EASY REFINANCE APPLICATIONS MUST BE LODGED THROUGH SCENE SIMPOLOGY V2 – LINK TO LODGE EMBEDDED HERE
EASY REFI QUALIFICATION:
- Original loan settled greater than 12 months.
- New loan rate and repayment is lower than current provider.
- Applicants have clear credit.
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: <80% – NA, <85% – 1.75%, <90% – 3.00%, <91% – 3.50%, <92% – 4.00%, <93% – 4.50%, <94% – 5.00%, <95% – 5.50% Investment: <80% – NA, <85% – 2.25%, <90% – 3.50%, <91% – 4.00%, <92% – 4.50%, <93% – 5.00%, <94% – 5.50%, <95% – 6.00% <94% – 5.50%, <95% – 6.00% |
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 | 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
- Available for purchase or refinance of established residential dwellings.
- For Easy Refinance Applications these must be submitted using Scene Simpology V2 – Link to access HERE
- Maximum loan term is 30 years, 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 | $99.00 |
| Valuation Fee | At cost |
| Lenders Legal Fee from | $440.00 |
| Annual Fee Owner Occ | $0.00 if LVR < 80% $395.00 if LVR > 80% |
| Annual Fee Investment | $395.00 |
| Settlement Fees | $99.00 |
GET OUT
| Discharge Fees approx. | $795.00 |
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.