*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%
Residential6.44%6.54%N/AN/A
Commercial6.94%7.04%N/AN/A

PROGRAM LOADINGS

NDIS | Co-Living | Boarding Houses | Student Accommodationadd 1.50%
Interest Only (max 5 years)add 0.40%

MAX LOAN SIZE & LVR GUIDE

LVRInner CityMetroNon-MetroRegional 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$3,500,000N/A
  • Postcode restrictions may apply & subject to change.
  • Minimum loan size is $50,000.
  • Maximum Borrower exposure is $10M.

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 FeeAt 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 2nd June 2025 & valid until 30th June 2025.