*All Vibe Easy Refinance loan lodgements must be submitted through Scene LoanApp V2.
RATE GUIDE | REFINANCE
| LVR loans up to $3.5M | <70% | <80% | <85% | <90% |
| Residential | 6.19% | 6.29% | N/A | N/A |
| Commercial | 6.69% | 6.79% | N/A | N/A |
PROGRAM LOADINGS
| Interest Only (max 5 years) | add 0.40% |
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 |
- Metro Postcodes – Maximum LVR is 80% 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
- Easy Refinance option for SMSF loans where original settlement occurred 1 year or more from current date.
- Available for acceptable residential or commercial securities up to 80% LVR.
- All other refinances to complete full application and provide all standard support documentation for assessment.
- Only Corporate Trustee structures accepted.
- Legal & Financial advice is required for all applications (some exceptions may apply for existing SMSF’s)
- Maximum loan term of up to 30 years (excludes NDIS securities – max loan term 25 years, No Interest Only).
- 100% Offset Account included.
- Key servicing considerations are lower rate and lower monthly repayment.
- Other servicing to be evidenced by member(s) superannuation contributions & rental income.
- Other investment income may be used for servicing i.e. maximum deeming rate of 4% p.a. for CMA balances averaged over 2 years.
- Self-employed applicants required to evidence 2 years historical contributions being made to any Super Fund.
- Commercial program includes retail and industrial securities including Childcare, Retirement & Student Accom.
- No Vacant land.
APPROX. FEES
GET IN
| Application Fee (V2 lodgement only) | Waived |
| Valuation Fee | At cost |
| Lenders Legal Fee from | $595.00 + costs |
| Annual Fee | $395.00 |
| Settlement Fees | $99.00 |
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.