RATE GUIDE | REFINANCE
| LVR loans up to $3.5M | <70% | <80% | <85% | <90% |
| Residential | 6.94% | 7.04% | N/A | N/A |
| Commercial | 7.54% | 7.64% | 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 (please note transfers from the offset account are limited only between the linked CMA).
- 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.
VIBE RAPID REFINANCE OPTION
Rapid Refinance (“Rapid Refi”) is a speedy alternative to traditional refinance, where funding is provided to a consumer to pay out their existing home loan prior to the notification of an impending refinance to the outgoing financial institution (OFI).
The following criteria are applicable to Raid Refi:
- The loan credit limit must not exceed $1,500,000.
- The loan must not have a fixed rate account or split (due to potential unknown break costs).
- The loan must not be linked to a line of credit or business facility with the Other Financial Institution (OFI).
- Where only the balance (plus the required buffer) is being refinanced (vs. the credit limit inclusive of available redraw) then Rapid Refi is not available for loans with an available redraw balance greater than $50,000.
- Established properties only (no construction loans).
Rapid Refi requires a minimum buffer to be included in the new loan amount as follows:
- Where at least one borrower is an individual: one monthly repayment plus three months’ interest plus the OFI’s discharge fee ($1,500 if unknown) plus an additional $1,500 buffer.
- Where borrowers are Companies or Trusts: one monthly repayment plus three months’ interest plus the OFI’s discharge fee ($1,500 if unknown) plus an additional $1,500 buffer.
- Consumers will receive a “Borrowers payment advice and acknowledgment to the terms of Rapid Refi” document with their loan agreement pack.
Rapid Refi is only available where the OFI is listed below:
- Adelaide Bank CPS Credit Union AFG Home Loans Credit Union Australia Newcastle Permanent Building Society
- NSW Teachers Credit Union
- AMP
- Credit Union SA
- Orde Financial Pty Ltd
- ANZ Bank CUA
- Advantedge
- Defence Bank
- Overseas-Chinese Banking Corporation
- People’s Choice Credit Union
- Athena Home Loans
- Aussie Home Loans
- Defence Force Credit Union Limited
- Firefighters Mutual Bank
- Pepper
- Perpetual Limited
- Aussie Mortgages Ltd
- Firstmac
- Perpetual Trustee
- Australia Central Credit Union
- Greater Building Society
- Australian Defence Credit Union
- Health Professionals Bank
- Pioneer Permanent Building Society
- Police and Nurses
- Australian Military Bank Ltd
- Heritage
- Police Bank Ltd
- Auswide Bank
- Homeloans Ltd
- Police Credit Union
- Bank Australia
- Homeside
- QANTAS Credit Union
- Bank of China
- HSBC
- Qudos Bank
- Bank of Melbourne
- HomeStart Finance
- Queensland Credit Union
- Bank of QLD
- Hume Building Society
- Rabobank Nederland
- Bank of Sydney Ltd
- Illawarra Credit Union
- RedZed
- Bank SA
- IMB Ltd
- RESIMAC
- Bankwest
- ING
- Savings and Loans Credit Union
- Bendigo Bank
- Keystart Home Loans
- St George
- BC Securities Pty Ltd
- La Trobe
- Suncorp
- BOQ
- Liberty
- Teachers Credit Union
- BCU
- Loans Com Au Pty Ltd
- Teachers Mutual
- Brighten Home Loans
- Beyond Bank Australia
- MA Money Financial Services Pty Ltd
- Macquarie
- Think Tank Group Pty Ltd
- UBank
- Bluestone
- ME Bank
- UniBank
- CBA
- Mortgage House
- United Overseas Bank
- Commonwealth Bank
- MyState Bank Limited
- Colonial First State
- NAB
- Well Nigh Capital Funding No 1 Pty Ltd
- Westpac Bank
APPROX. FEES
GET IN
| Application Fee | $199.00 |
| 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 17th August 2026.