RATE GUIDE | PURCHASE OR STANDARD REFINANCE
| LVR Options | <70% | <80% | <90% | <95% |
| Owner Occupied | 6.04% | 6.14% | 6.64% | 7.14% (max loan size $2M at 95%) |
| Investment | 6.34% | 6.44% | 6.89% | 7.44% (max loan size $2M at 95%) |
RATE GUIDE | EASY REFINANCE APPLICATIONS
| LVR Options | <70% | <80% |
| Owner Occupied | 5.94% | 6.04% |
| Investment | 6.24% | 6.34% |
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: >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
- Available for purchase or refinance of established residential dwellings.
- 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 23rd March 2026.