Residential Rate Watch
Rate to Borrower is the top line, Comparison Rate is in bracketed italics on the 2nd line, maximum loan size for the applicable LVR is on the 3rd line. If a dash (-) appears in the Clawback column, there is no Clawback on that particular product. Some products (e.g. Purple) have the same rate for OO & Inv (no rate loading).
Rates and fees are subject to change at any time without notice.
Alt Doc
Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Navy (BC Invest) | Navy Options Altdoc OO | 7.29% (7.71%) $1,750,000 | 7.29% (7.71%) $1,500,000 | 7.44% (7.86%) $1,250,000 | 7.44% (7.86%) $1,000,000 | 13 Mar 2024 | 18 mths | OO | PI | 24 mths | 30 yrs | $1,750,000 | $ 330 App Fee | Optional Offset - add 0.10% |Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | ๐๐๐ | |||||||
Navy (BC Invest) | Navy Options Altdoc OO - REGIONAL | 7.44% (7.86%) $750,000 | 13 Mar 2024 | 18 mths | OO | PI | 24 mths | 30 yrs | $750,000 | COMING SOON! | $330 App Fee | Optional Offset - add 0.10% | Add 0.30% for Int Only | Max 10ha (25 acres) | REGIONAL. | ||||||||||
Ocean (ORDE) | Bridging - End Debt (ED) A | 8.24% (8.65%) $2,000,000 | 8.49% (8.65%) $2,000,000 | 8.64% (8.80%) $1,500,000 | 18 Apr 2024 | - | OO, INV | IO | 12 mths | 1.5 yrs | $2,000,000 | Reverts to applicable rate FD or Altdoc after sale of current property | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee. | ||||||||
Ocean (ORDE) | Bridging - Nil End Debt (NED) A | 8.24% (8.65%) $2,000,000 | 8.49% (8.65%) $2,000,000 | 8.64% (8.80%) $1,500,000 | 18 Apr 2024 | - | OO, INV | IO | 12 mths | 1.5 yrs | $2,000,000 | No Servicing Required | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee. | ||||||||
Ocean (ORDE) | Diamond A Altdoc OO | 7.34% (7.42%) $1,750,000 | 7.54% (7.62%) $1,750,000 | 7.54% (7.62%) $1,750,000 | 7.54% (7.62%) $1,750,000 | 5 Dec 2023 | - | OO | PI | 24 mths | 30 yrs | $1,750,000 | 0.50% Application Fee | No Risk Fee | Add 0.30% for Int Only | Max. 5 acres (2.2ha). | |||||||
Ocean (ORDE) | Diamond Max A - Altdoc OO | 7.59% (7.71%) $2,000,000 | 7.79% (7.91%) $2,000,000 | 7.79% (7.91%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.30% for Int Only. | ||||||||
Ocean (ORDE) | Jumbo A Altdoc - [Cat 1 & 2 excl Capitals] | 8.24% (7.42%) $2,500,000 | 8.64% (7.42%) $2,500,000 | 18 Apr 2024 | - | OO, INV | IO, PI | 24 mths | 30 yrs | $2,500,000 | 1.25% Application Fee | No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc |Cat 1 & 2 locations excl Capital cities | | |||||||||
Ocean (ORDE) | Prestige A Altdoc - [Capitals excl Mel & Syd] | 8.24% (7.42%) $3,500,000 | 8.64% (8.72%) $2,500,000 | 18 Apr 2024 | - | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | 1.25% Application Fee | No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Capital cities excluding Sydney & Melbourne | Same rates for Full Doc | | |||||||||
Ocean (ORDE) | Prestige A Altdoc - [MEL SYD] | 8.24% (7.42%) $5,000,000 | 8.64% (7.42%) $5,000,000 | 18 Apr 2024 | - | OO, INV | IO, PI | 24 mths | 30 yrs | $5,000,000 | 1.25% Application Fee | No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Sydney & Melbourne securities only. | |||||||||
Purple (La Trobe) | Essentials A Altdoc | 7.44% (7.79%) $2,000,000 | 7.49% (7.84%) $2,000,000 | 7.54% (7.89%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 1.0% App Fee | No Risk Fee | Security determines the rate (not purpose). |Nurses, Ambulance, Defence (active, retired), Paramedics, SES, Fireies, Police qualify for this discounted rate (1 applicant must be self-employed). | ||||||||
Purple (La Trobe) | Prime A Altdoc | 7.84% (8.15%) $2,000,000 | 7.94% (8.24%) $2,000,000 | 8.04% (8.34%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Add 0.40% for Int Only | Security determines the rate (not purpose) | Max 10ha (25 acres). | ||||||||
Purple (La Trobe) | Prime Max A Altdoc | 8.34% (8.64%) $5,000,000 | 8.74% (9.04%) $5,000,000 | 8.84% (9.14%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | 1.50% App Fee | Add 0.40% for Int Only | Security determines the rate (not purpose) | Max 10ha (25 acres) | Max Loan is $5.0m | ||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.39% (8.79%) $2,000,000 | 8.49% (8.89%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | Servicing on END debt @ revert rate | Reverts to applicable rate after sale of current property | BRIDGING. | ||||||||
Purple (La Trobe) | Relocation NED (Nil End Debt) | 8.39% (8.78%) $2,000,000 | 8.49% (8.88%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | No Servicing on NED loans | Ideal for downsizing | Can be used for construction | BRIDGING | | ||||||||
Purple (La Trobe) | Rural <100 acres Altdoc A | 8.29% (8.63%) $1,500,000 | 8.34% (8.68%) $1,500,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $1,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (max 100 acres)| Valuation by quote | Loadings may apply. | |||||||||
Purple (La Trobe) | Rural >100 acres Altdoc A | 9.79% (10.12%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply. | ||||||||||
Purple (La Trobe) | Special OOO A Altdoc | 7.59% (7.94%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.69% (8.03%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 1.0% App Fee | No Risk Fee | Security determines the rate (not purpose) | ATO debt OK | Max 10ha (25 acres). | ||||||||
Red (RedZed) | SE Prime A Altdoc OO | 7.24% (7.47%) $1,500,000 | 7.24% (7.47%) $1,500,000 | 7.44% (7.66%) $1,500,000 | 7.54% (7.76%) $1,500,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | Add 0.25% for Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres). | |||||||
Red (RedZed) | SE Prime A Max Altdoc OO | 7.34% (7.56%) $2,500,000 | 7.34% (7.56%) $2,500,000 | 7.54% (7.76%) $2,000,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 24 mths | 30 yrs | $2,500,000 | $ Nil App Fee, No Risk Fee. Add 0.25% for Int Only - max 2 yrs 70% for OO IO. No ETF on resi securities. | ||||||||
Red (RedZed) | SE Prime XL Altdoc A | 8.24% (8.52%) $3,500,000 | 8.64% (8.92%) $3,500,000 | 8.74% (9.02%) $3,500,000 | 15 Apr 2024 | Diminishing 24 mths | OO, INV | PI | 24 mths | 30 yrs | $3,500,000 | Risk Fee - 1.25% | Add 0.40% for Int Only (Max 70% LVR - 2 yrs for OO IO) | NO ETF on residential securities | Cat 1 & 2 locations. | ||||||||
Red (RedZed) | SE Prime XL Jumbo Altdoc A | 8.24% (8.52%) $5,000,000 | 8.64% (8.92%) $5,000,000 | 8.74% (9.02%) $5,000,000 | 15 Apr 2024 | Diminishing 24 mths | OO, INV | PI | 24 mths | 30 yrs | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading (Max 70% LVR - 2 yrs for OO IO) | NO ETF on residential securities | Cat 1 locations only. | ||||||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Options Altdoc INV | 7.49% (7.91%) $1,750,000 | 7.49% (7.91%) $1,500,000 | 7.64% (8.06%) $1,250,000 | 7.64% (8.06%) $1,000,000 | 13 Mar 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $1,750,000 | COMING SOON !! |$330 App Fee | Optional Offset - add 0.10% |Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verificationย | ๐๐๐ | |||||||
Navy (BC Invest) | Navy Options Altdoc INV - REGIONAL | 7.64% (8.06%) $750,000 | 13 Mar 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $750,000 | COMING SOON! | $330 App Fee | Optional Offset - add 0.10% to rate |Add 0.30% for Int Only | Max 10ha (25 acres) | REGIONAL. | ||||||||||
Ocean (ORDE) | Bridging - End Debt (ED) A | 8.24% (8.65%) $2,000,000 | 8.49% (8.65%) $2,000,000 | 8.64% (8.80%) $1,500,000 | 18 Apr 2024 | - | OO, INV | IO | 12 mths | 1.5 yrs | $2,000,000 | Reverts to applicable rate FD or Altdoc after sale of current property | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee. | ||||||||
Ocean (ORDE) | Bridging - Nil End Debt (NED) A | 8.24% (8.65%) $2,000,000 | 8.49% (8.65%) $2,000,000 | 8.64% (8.80%) $1,500,000 | 18 Apr 2024 | - | OO, INV | IO | 12 mths | 1.5 yrs | $2,000,000 | No Servicing Required | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee. | ||||||||
Ocean (ORDE) | Diamond A Altdoc INV | 7.64% (7.72%) $1,750,000 | 7.84% (7.92%) $1,750,000 | 7.84% (7.92%) $1,750,000 | 7.84% (7.92%) $1,750,000 | 5 Dec 2023 | - | INV | PI | 24 mths | 30 yrs | $1,750,000 | 0.50% Application Fee - No Risk Fee. Add 0.30% for Int Only. Max. 5 acres (2.2ha). | |||||||
Ocean (ORDE) | Diamond Max A - Altdoc INV | 7.89% (8.01%) $2,000,000 | 8.09% (8.21%) $2,000,000 | 8.09% (8.21%) $2,000,000 | 5 Dec 2023 | - | INV | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.30% for Int Only. | ||||||||
Ocean (ORDE) | Jumbo A Altdoc - [Cat 1 & 2 excl Capitals] | 8.24% (7.42%) $2,500,000 | 8.64% (7.42%) $2,500,000 | 18 Apr 2024 | - | OO, INV | IO, PI | 24 mths | 30 yrs | $2,500,000 | 1.25% Application Fee | No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Same rates for Full Doc |Cat 1 & 2 locations excl Capital cities | | |||||||||
Ocean (ORDE) | Prestige A Altdoc - [Capitals excl Mel & Syd] | 8.24% (7.42%) $3,500,000 | 8.64% (8.72%) $2,500,000 | 18 Apr 2024 | - | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | 1.25% Application Fee | No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Capital cities excluding Sydney & Melbourne | Same rates for Full Doc | | |||||||||
Ocean (ORDE) | Prestige A Altdoc - [MEL SYD] | 8.24% (7.42%) $5,000,000 | 8.64% (7.42%) $5,000,000 | 18 Apr 2024 | - | OO, INV | IO, PI | 24 mths | 30 yrs | $5,000,000 | 1.25% Application Fee | No Risk Fee | No rate loading for Investor or Int Only | Max. 5 acres (2.2ha) | Sydney & Melbourne securities only. | |||||||||
Purple (La Trobe) | Prime A Altdoc | 7.84% (8.15%) $2,000,000 | 7.94% (8.24%) $2,000,000 | 8.04% (8.34%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Add 0.40% for Int Only | Security determines the rate (not purpose) | Max 10ha (25 acres). | ||||||||
Purple (La Trobe) | Prime Max A Altdoc | 8.34% (8.64%) $5,000,000 | 8.74% (9.04%) $5,000,000 | 8.84% (9.14%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | 1.50% App Fee | Add 0.40% for Int Only | Security determines the rate (not purpose) | Max 10ha (25 acres) | Max Loan is $5.0m | ||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.39% (8.79%) $2,000,000 | 8.49% (8.89%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | Servicing on END debt @ revert rate | Reverts to applicable rate after sale of current property | BRIDGING. | ||||||||
Purple (La Trobe) | Relocation NED (Nil End Debt) | 8.39% (8.78%) $2,000,000 | 8.49% (8.88%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | No Servicing on NED loans | Ideal for downsizing | Can be used for construction | BRIDGING | | ||||||||
Purple (La Trobe) | Rural <100 acres Altdoc A | 8.29% (8.63%) $1,500,000 | 8.34% (8.68%) $1,500,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $1,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (max 100 acres)| Valuation by quote | Loadings may apply. | |||||||||
Purple (La Trobe) | Rural >100 acres Altdoc A | 9.79% (10.12%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply. | ||||||||||
Red (RedZed) | SE Prime A Altdoc INV | 7.49% (7.71%) $1,500,000 | 7.49% (7.71%) $1,500,000 | 7.69% (7.91%) $1,500,000 | 7.79% (8.01%) $1,500,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | Add 0.25% for Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres). | |||||||
Red (RedZed) | SE Prime A Max Altdoc INV | 7.59% (7.81%) $2,500,000 | 7.59% (8.01%) $2,000,000 | 7.79% (7.76%) $2,000,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 24 mths | 30 yrs | $2,500,000 | $ Nil App Fee, No Risk Fee. Add 0.25% for Int Only - max 2 yrs 70% for OO IO. No ETF on resi securities. | ||||||||
Red (RedZed) | SE Prime XL Altdoc A | 8.24% (8.52%) $3,500,000 | 8.64% (8.92%) $3,500,000 | 8.74% (9.02%) $3,500,000 | 15 Apr 2024 | Diminishing 24 mths | OO, INV | PI | 24 mths | 30 yrs | $3,500,000 | Risk Fee - 1.25% | Add 0.40% for Int Only (Max 70% LVR - 2 yrs for OO IO) | NO ETF on residential securities | Cat 1 & 2 locations. | ||||||||
Red (RedZed) | SE Prime XL Jumbo Altdoc A | 8.24% (8.52%) $5,000,000 | 8.64% (8.92%) $5,000,000 | 8.74% (9.02%) $5,000,000 | 15 Apr 2024 | Diminishing 24 mths | OO, INV | PI | 24 mths | 30 yrs | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading (Max 70% LVR - 2 yrs for OO IO) | NO ETF on residential securities | Cat 1 locations only. |
Near Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Navy (BC Invest) | Navy Lifestyle B Altdoc OO | 7.74% (8.18%) $1,500,000 | 7.74% (8.18%) $1,250,000 | 7.74% (8.18%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 29 Nov 2023 | 12 mths | OO | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Ocean (ORDE) | Emerald B Altdoc OO | 7.79% (7.87%) $1,750,000 | 8.09% (8.17%) $1,750,000 | 8.09% (8.15%) $1,750,000 | 8.14% (8.23%) $1,750,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $1,750,000 | 0.50% App Fee to 70%; 0.75% App Fee >70% | No Risk Fee. |Add 0.30% for Int Only | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acresย dependent on Category. | |||||||
Ocean (ORDE) | Onyx C Altdoc OO | 8.24% (8.35%) $2,000,000 | 8.54% (8.65%) $2,000,000 | 8.54% (8.66%) $2,000,000 | 8.74% (8.86%) $1,750,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 12 mths ABN. Add 0.30% for Int Only. Discharged Bankrupts from Day 1. Unlimited Paid defaults, Unlimited Unpaid defaults listed >1 Yr. | |||||||
Ocean (ORDE) | Specialist D Altdoc OO | 8.74% (8.86%) $1,500,000 | 9.14% (9.26%) $1,500,000 | 9.14% (9.27%) $1,500,000 | 9.54% (9.67%) $1,250,000 | 5 Dec 2023 | - | OO | PI | 6-months | 30 yrs | $1,500,000 | 6 mths ABN. Add 0.30% for Int Only. Discharged Bankrupts from Day 1. Unlimited Paid defaults, Unlimited Unpaid >6m, 3m arrears. | |||||||
Purple (La Trobe) | Lifestyle B Altdoc OO | 8.04% (8.41%) $2,000,000 | 8.29% (8.65%) $2,000,000 | 8.29% (8.65%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | No Risk Fee | OO Only | Security determines the rate (not purpose) | Add 0.40% for Int Only | Max 10 ha (25 acres). | ||||||||
Red (RedZed) | Reward B Altdoc - OO | 7.49% (7.74%) $2,500,000 | 7.49% (7.74%) $2,500,000 | 7.54% (7.79%) $2,500,000 | 7.59% (7.84%) $2,250,000 | 7.74% (8.02%) $2,000,000 | 7.74% (8.02%) $1,750,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee. $ Nil Risk Fee to 70%; 0.50% Risk Fee >70%. Add 0.25% for Int Only. (Max 2 yrs 70% LVR for OO IO). No ETF on resi. Max 10 ha (25 acres). | |||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Lifestyle B Altdoc INV | 7.99% (8.43%) $1,500,000 | 7.99% (8.43%) $1,250,000 | 7.99% (8.43%) $1,250,000 | 8.19% (8.68%) $1,250,000 | 8.19% (8.68%) $1,250,000 | 29 Nov 2023 | 12 mths | INV | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Ocean (ORDE) | Emerald B Altdoc INV | 8.09% (8.17%) $1,750,000 | 8.39% (8.47%) $1,750,000 | 8.39% (8.48%) $1,750,000 | 8.44% (8.53%) $1,750,000 | 5 Dec 2023 | - | INV | PI | 12 mths | 30 yrs | $1,750,000 | 0.50% App Fee to 70%; 0.75% App Fee >70% | No Risk Fee. |Add 0.30% for Int Only | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acresย dependent on Category. | |||||||
Purple (La Trobe) | Lifestyle B Altdoc INV | 8.24% (8.60%) $2,000,000 | 8.44% (8.80%) $2,000,000 | 8.54% (8.90%) $2,000,000 | 5 Dec 2023 | - | INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | No Risk Fee | Investment Only | Security determines the rate (not purpose) | Add 0.40% for Int Only | Max 10 ha (25 acres). | ||||||||
Red (RedZed) | Reward B Altdoc - INV | 7.74% (7.99%) $2,500,000 | 7.74% (7.99%) $2,500,000 | 7.79% (8.04%) $2,500,000 | 7.84% (8.09%) $2,250,000 | 7.99% (8.26%) $2,000,000 | 7.99% (8.26%) $1,750,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee. $ Nil Risk Fee to 70%; 0.50% Risk Fee >70%. Add 0.25% for Int Only. (Max 2 yrs 70% LVR for OO IO). No ETF on resi. Max 10 ha (25 acres). |
Fixed Rate
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Navy (BC Invest) | Navy Options Altdoc OO - 1 Yr Fixed | 7.34% (7.76%) $1,750,000 | 7.34% (7.76%) $1,500,000 | 7.49% (7.91%) $1,250,000 | 7.49% (7.91%) $1,000,000 | 13 Mar 2024 | 18 mths | OO | PI | 24 mths | 30 yrs | $1,750,000 | $ 330 App Fee | Optional Offset - add 0.10% |Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | ๐๐๐ | |||||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Options Altdoc INV - 1 Yr Fixed | 7.54% (7.96%) $1,750,000 | 7.54% (7.96%) $1,500,000 | 7.69% (8.11%) $1,250,000 | 7.69% (8.11%) $1,000,000 | 13 Mar 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $1,750,000 | COMING SOON !! |$330 App Fee | Optional Offset - add 0.10% |Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verificationย | ๐๐๐ |
ATO Debt
Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Purple (La Trobe) | Essentials A Altdoc | 7.44% (7.79%) $2,000,000 | 7.49% (7.84%) $2,000,000 | 7.54% (7.89%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 1.0% App Fee | No Risk Fee | Security determines the rate (not purpose). |Nurses, Ambulance, Defence (active, retired), Paramedics, SES, Fireies, Police qualify for this discounted rate (1 applicant must be self-employed). | ||||||||
Purple (La Trobe) | Prime A Altdoc | 7.84% (8.15%) $2,000,000 | 7.94% (8.24%) $2,000,000 | 8.04% (8.34%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Add 0.40% for Int Only | Security determines the rate (not purpose) | Max 10ha (25 acres). | ||||||||
Purple (La Trobe) | Prime A Full Doc | 7.34% (7.69%) $2,000,000 | 7.54% (7.89%) $2,000,000 | 7.74% (8.08%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | ATO Debt can be refinanced. | ||||||||
Purple (La Trobe) | Prime Max A Altdoc | 8.34% (8.64%) $5,000,000 | 8.74% (9.04%) $5,000,000 | 8.84% (9.14%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | 1.50% App Fee | Add 0.40% for Int Only | Security determines the rate (not purpose) | Max 10ha (25 acres) | Max Loan is $5.0m | ||||||||
Purple (La Trobe) | Prime Max A Full Doc | 7.54% (7.89%) $5,000,000 | 7.94% (8.31%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Max Loan $5.0m | |||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.49% (8.89%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | Servicing on END debt @ revert rate | Reverts to applicable rate after sale of current property | BRIDGING. | |||||||||
Purple (La Trobe) | Relocation NED (Nil End Debt) | 8.39% (8.78%) $2,000,000 | 8.49% (8.88%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | No Servicing on NED loans | Ideal for downsizing | Can be used for construction | BRIDGING | | ||||||||
Purple (La Trobe) | Rural <100 acres Altdoc A | 8.29% (8.63%) $1,500,000 | 8.34% (8.68%) $1,500,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $1,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (max 100 acres)| Valuation by quote | Loadings may apply. | |||||||||
Purple (La Trobe) | Special OOO A Altdoc | 7.59% (7.94%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.69% (8.03%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 1.0% App Fee | No Risk Fee | Security determines the rate (not purpose) | ATO debt OK | Max 10ha (25 acres). | ||||||||
Purple (La Trobe) | Special OOO A FD | 6.79% (7.14%) $2,000,000 | 7.29% (7.64%) $2,000,000 | 7.44% (7.78%) $2,000,000 | 1 Nov 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | $995 App Fee | No Risk Fee | Add 0.40% for Int Only with good reason for OO IO | Can have 1 yrs ITR's for SE | Can refinance ATO debt on Prime products | ๐๐. | ||||||||
Red (RedZed) | SE Prime A Altdoc OO | 7.24% (7.47%) $1,500,000 | 7.44% (7.66%) $1,500,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | Add 0.25% for Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres). | |||||||||
Investor | ||||||||||||||||||||
Purple (La Trobe) | Prime A Altdoc | 7.84% (8.15%) $2,000,000 | 7.94% (8.24%) $2,000,000 | 8.04% (8.34%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Add 0.40% for Int Only | Security determines the rate (not purpose) | Max 10ha (25 acres). | ||||||||
Purple (La Trobe) | Prime A Full Doc | 7.34% (7.69%) $2,000,000 | 7.54% (7.89%) $2,000,000 | 7.74% (8.08%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | ATO Debt can be refinanced. | ||||||||
Purple (La Trobe) | Prime Max A Altdoc | 8.34% (8.64%) $5,000,000 | 8.74% (9.04%) $5,000,000 | 8.84% (9.14%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | 1.50% App Fee | Add 0.40% for Int Only | Security determines the rate (not purpose) | Max 10ha (25 acres) | Max Loan is $5.0m | ||||||||
Purple (La Trobe) | Prime Max A Full Doc | 7.54% (7.89%) $5,000,000 | 7.94% (8.31%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Max Loan $5.0m | |||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.49% (8.89%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | Servicing on END debt @ revert rate | Reverts to applicable rate after sale of current property | BRIDGING. | |||||||||
Purple (La Trobe) | Relocation NED (Nil End Debt) | 8.39% (8.78%) $2,000,000 | 8.49% (8.88%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | No Servicing on NED loans | Ideal for downsizing | Can be used for construction | BRIDGING | | ||||||||
Purple (La Trobe) | Rural <100 acres Altdoc A | 8.29% (8.63%) $1,500,000 | 8.34% (8.68%) $1,500,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $1,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (max 100 acres)| Valuation by quote | Loadings may apply. | |||||||||
Red (RedZed) | SE Prime A Altdoc INV | 7.49% (7.71%) $1,500,000 | 7.49% (7.71%) $1,500,000 | 7.69% (7.91%) $1,500,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | Add 0.25% for Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres). |
Near Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Navy (BC Invest) | Navy Lifestyle B Altdoc OO | 7.74% (8.18%) $1,500,000 | 7.74% (8.18%) $1,250,000 | 7.74% (8.18%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 29 Nov 2023 | 12 mths | OO | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Navy (BC Invest) | Navy Lifestyle B Full Doc OO | 7.49% (7.94%) $1,500,000 | 7.49% (7.94%) $1,250,000 | 7.49% (7.94%) $1,250,000 | 7.69% (8.17%) $1,250,000 | 7.69% (8.19%) $1,250,000 | 29 Nov 2023 | 12 mths | OO | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Ocean (ORDE) | Emerald B Altdoc OO | 7.79% (7.87%) $1,750,000 | 8.09% (8.17%) $1,750,000 | 8.09% (8.15%) $1,750,000 | 8.14% (8.23%) $1,750,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $1,750,000 | 0.50% App Fee to 70%; 0.75% App Fee >70% | No Risk Fee. |Add 0.30% for Int Only | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acresย dependent on Category. | |||||||
Ocean (ORDE) | Ocean Emerald B OO Full Doc | 7.49% (7.58%) $1,750,000 | 7.49% (7.58%) $1,750,000 | 7.59% (7.68%) $1,750,000 | 7.74% (7.83%) $1,750,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $1,750,000 | Add 0.30% for Int Only. | |||||||
Purple (La Trobe) | Lifestyle B Altdoc OO | 8.04% (8.41%) $2,000,000 | 8.29% (8.65%) $2,000,000 | 8.29% (8.65%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | No Risk Fee | OO Only | Security determines the rate (not purpose) | Add 0.40% for Int Only | Max 10 ha (25 acres). | ||||||||
Purple (La Trobe) | Lifestyle B OO FD | 7.59% (7.95%) $2,000,000 | 7.79% (8.15%) $2,000,000 | 7.89% (8.24%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | Owner Occupied Only. Add 0.40% for Int Only. Security determines the purpose - can have OO ino Company. No Rate Loading for Inv. | ||||||||
Red (RedZed) | Reward B Altdoc - OO | 7.49% (7.74%) $2,500,000 | 7.49% (7.74%) $2,500,000 | 7.54% (7.79%) $2,500,000 | 7.59% (7.84%) $2,250,000 | 7.74% (8.02%) $2,000,000 | 7.74% (8.02%) $1,750,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee. $ Nil Risk Fee to 70%; 0.50% Risk Fee >70%. Add 0.25% for Int Only. (Max 2 yrs 70% LVR for OO IO). No ETF on resi. Max 10 ha (25 acres). | |||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Lifestyle B Altdoc INV | 7.99% (8.43%) $1,500,000 | 7.99% (8.43%) $1,250,000 | 7.99% (8.43%) $1,250,000 | 8.19% (8.68%) $1,250,000 | 8.19% (8.68%) $1,250,000 | 29 Nov 2023 | 12 mths | INV | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Navy (BC Invest) | Navy Lifestyle B Full Doc INV | 7.74% (8.18%) $1,500,000 | 7.74% (8.18%) $1,250,000 | 7.74% (8.18%) $1,250,000 | 7.94% (8.42%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 29 Nov 2023 | 12 mths | INV | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Ocean (ORDE) | Emerald B Altdoc INV | 8.09% (8.17%) $1,750,000 | 8.39% (8.47%) $1,750,000 | 8.39% (8.48%) $1,750,000 | 8.44% (8.53%) $1,750,000 | 5 Dec 2023 | - | INV | PI | 12 mths | 30 yrs | $1,750,000 | 0.50% App Fee to 70%; 0.75% App Fee >70% | No Risk Fee. |Add 0.30% for Int Only | Unlimited acreage | Rural: 65% LVR >50acres; 60% LVR >100 acresย dependent on Category. | |||||||
Ocean (ORDE) | Ocean Emerald B INV Full Doc | 7.79% (7.88%) $1,750,000 | 7.79% (7.88%) $1,750,000 | 7.89% (7.98%) $1,750,000 | 8.04% (8.13%) $1,750,000 | 5 Dec 2023 | - | INV | PI | 12 mths | 30 yrs | $1,750,000 | Add 0.30% for Int Only. | |||||||
Purple (La Trobe) | Lifestyle B Altdoc INV | 8.24% (8.60%) $2,000,000 | 8.44% (8.80%) $2,000,000 | 8.54% (8.90%) $2,000,000 | 5 Dec 2023 | - | INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | No Risk Fee | Investment Only | Security determines the rate (not purpose) | Add 0.40% for Int Only | Max 10 ha (25 acres). | ||||||||
Purple (La Trobe) | Lifestyle B INV FD | 7.84% (8.20%) $2,000,000 | 8.04% (8.39%) $2,000,000 | 8.04% (8.39%) $2,000,000 | 5 Dec 2023 | - | INV | PI | 12 mths | 30 yrs | $2,000,000 | Add 0.40% for Int Only. | ||||||||
Red (RedZed) | Reward B Altdoc - INV | 7.74% (7.99%) $2,500,000 | 7.74% (7.99%) $2,500,000 | 7.79% (8.04%) $2,500,000 | 7.84% (8.09%) $2,250,000 | 7.99% (8.26%) $2,000,000 | 7.99% (8.26%) $1,750,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee. $ Nil Risk Fee to 70%; 0.50% Risk Fee >70%. Add 0.25% for Int Only. (Max 2 yrs 70% LVR for OO IO). No ETF on resi. Max 10 ha (25 acres). |
Full Doc
Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Cabernet (ORIGIN) | Flexi Home - Var | 6.74% (6.80%) $2,000,000 | 6.74% (6.80%) $2,000,000 | 6.84% (6.90%) $2,000,000 | 7.14% (7.59%) $2,000,000 | 7.64% (8.13%) $1,750,000 | 20 Nov 2023 | 24 mths | OO | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.40% for Int Only (Max 80% LVR) | No monthly or annual fees for OO to 80% LVR | FREE 100% OFFSET.ย | ||||||
Cabernet (ORIGIN) | Flexi Home Maxima - Var | 7.24% (7.30%) $2,500,000 | 7.24% (7.30%) $2,500,000 | 7.34% (7.30%) $2,500,000 | 20 Nov 2023 | 24 mths | OO | PI | 24 mths | 30 yrs | $2,500,000 | Add 0.40% for Int Only (Max 80% LVR) | No monthly or annual fees for OO to 80% LVR | ||||||||
Cabernet (ORIGIN) | NDIS - OO Var | 6.80% (7.46%) $2,000,000 | 6.80% (7.46%) $2,000,000 | 6.90% (7.55%) $2,000,000 | 20 Nov 2023 | 24 mths | OO, NDIS | PI | 24 mths | 25 yrs | $2,000,000 | NDIS | No LPF | Interest Only is n/a | Max Term is 25 yrs. | ||||||||
Navy (BC Invest) | Navy Prime OO FD | 6.83% (7.26%) $2,000,000 | 6.93% (7.36%) $1,500,000 | 7.44% (7.86%) $1,000,000 | 7.84% (8.26%) $1,000,000 | 5 Dec 2023 | 18 mths | OO | PI | 24 mths | 30 yrs | $2,000,000 | App Feeย Waived | Optional Offset - add 0.10% | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | ๐๐๐ | |||||||
Navy (BC Invest) | Navy Xpat OO - FD | 7.23% (7.75%) $750,000 | 7.23% (7.80%) $750,000 | 7.23% (7.83%) $750,000 | 29 Nov 2023 | - | OO | PI | 24 mths | 25 yrs | $750,000 | PAYG or Self Employed | No Clawback | No Min Size - Units |ย Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | ๐๐ | ||||||||
Ocean (ORDE) | Bridging - End Debt (ED) A | 8.24% (8.65%) $2,000,000 | 8.49% (8.65%) $2,000,000 | 8.64% (8.80%) $1,500,000 | 18 Apr 2024 | - | OO, INV | IO | 12 mths | 1.5 yrs | $2,000,000 | Reverts to applicable rate FD or Altdoc after sale of current property | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee. | ||||||||
Ocean (ORDE) | Bridging - Nil End Debt (NED) A | 8.24% (8.65%) $2,000,000 | 8.49% (8.65%) $2,000,000 | 8.64% (8.80%) $1,500,000 | 18 Apr 2024 | - | OO, INV | IO | 12 mths | 1.5 yrs | $2,000,000 | No Servicing Required | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee. | ||||||||
Ocean (ORDE) | Ocean Diamond A OO | 7.19% (7.27%) $1,750,000 | 7.34% (7.42%) $1,750,000 | 7.34% (7.42%) $1,750,000 | 7.44% (7.52%) $1,750,000 | 5 Dec 2023 | - | OO | PI | 24 mths | 30 yrs | $1,750,000 | App Fee: $495 | Add 0.30% for Int Only | Can refinance ATO debt on Prime products | ๐๐ | |||||||
Ocean (ORDE) | Ocean Diamond Max A - OO | 7.44% (7.52%) $2,000,000 | 7.59% (7.67%) $2,000,000 | 7.59% (7.67%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.30% for Int Only. | ||||||||
Purple (La Trobe) | Prime A Full Doc | 7.34% (7.69%) $2,000,000 | 7.54% (7.89%) $2,000,000 | 7.74% (8.08%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE |ย Can refinance ATO debt on Prime products | ๐๐. | ||||||||
Purple (La Trobe) | Prime Max A Full Doc | 7.54% (7.89%) $5,000,000 | 7.94% (8.31%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Max Loan $5.0m | |||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.39% (8.79%) $2,000,000 | 8.49% (8.89%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | Servicing on END debt @ revert rate | Reverts to applicable rate after sale of current property | BRIDGING. | ||||||||
Purple (La Trobe) | Relocation NED (Nil End Debt) | 8.39% (8.78%) $2,000,000 | 8.49% (8.88%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | No Servicing on NED loans | Ideal for downsizing | Can be used for construction | BRIDGING | | ||||||||
Purple (La Trobe) | Rural <100 acres FD A | 7.74% (8.09%) $1,500,000 | 7.94% (8.28%) $1,500,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $1,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply. | |||||||||
Purple (La Trobe) | Rural >100 acres FD A | 9.79% (10.12%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply. | ||||||||||
Purple (La Trobe) | Special OOO A FD | 6.79% (7.14%) $2,000,000 | 7.29% (7.64%) $2,000,000 | 7.44% (7.78%) $2,000,000 | 1 Nov 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | $995 App Fee | No Risk Fee | Add 0.40% for Int Only with good reason for OO IO | Can have 1 yrs ITR's for SE | Can refinance ATO debt on Prime products | ๐๐. | ||||||||
Red (RedZed) | SE Prime A OO | 7.09% (7.32%) $1,500,000 | 7.29% (7.52%) $1,500,000 | 7.39% (7.61%) $1,500,000 | 8.24% (8.51%) $1,500,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% (1.0% RF @ 85% LVR) | Add 0.25% for Int Only - max 2 yrs 70% for OO IO |No ETF on resi securities | | Can refinance ATO debt on Prime products | ๐๐. | |||||||
Red (RedZed) | SE Prime Max A - OO | 7.19% (7.42%) $2,000,000 | 7.39% (7.61%) $2,000,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.25% for Int Only (Max 70% LVR - 2 yrs for OO IO) NO ETF on residential securities. | |||||||||
Red (RedZed) | SE Prime XL A | 7.99% (8.27%) $3,500,000 | 8.39% (8.67%) $3,500,000 | 8.39% (8.67%) $3,500,000 | 15 Apr 2024 | Diminishing 24 mths | OO, INV | PI | 24 mths | 30 yrs | $3,500,000 | Risk Fee - 1.25% | Add 0.40% for Int Only (Max 70% LVR - 2 yrs for OO IO) | NO ETF on residential securities | Cat 1 & 2 locations. | ||||||||
Red (RedZed) | SE Prime XL Jumbo A | 7.99% (8.27%) $5,000,000 | 8.39% (8.67%) $5,000,000 | 8.39% (8.67%) $5,000,000 | 15 Apr 2024 | Diminishing 24 mths | OO, INV | PI | 24 mths | 30 yrs | $5,000,000 | Risk Fee - 1.25% | No INV or Int Only Loading (Max 70% LVR - 2 yrs for OO IO) | NO ETF on residential securities | Cat 1 locations only | | ||||||||
Investor | ||||||||||||||||||||
Cabernet (ORIGIN) | Flexi Investor - Var | 7.04% (7.60%) $2,000,000 | 7.04% (7.60%) $2,000,000 | 7.14% (7.70%) $2,000,000 | 7.44% (8.04%) $2,000,000 | 7.94% (8.58%) $1,750,000 | 20 Nov 2023 | 24 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | LPF: Nil to 80%; 2.0% to 85%; 3.0% to 90%. |Add 0.40% for Int Only | $395 Annual Fee. | ||||||
Cabernet (ORIGIN) | Flexi Investor Maxima - Var | 7.54% (8.09%) $2,500,000 | 7.54% (8.09%) $2,500,000 | 7.64% (8.19%) $2,500,000 | 20 Nov 2023 | 24 mths | INV | PI | 24 mths | 30 yrs | $2,500,000 | LPF: Nil to 80%; 2.0% to 85%; 3.0% to 90%. |Add 0.40% for Int Only | $395 Annual Fee. | ||||||||
Cabernet (ORIGIN) | NDIS - Inv Var | 7.10% (7.75%) $2,000,000 | 7.10% (7.75%) $2,000,000 | 7.20% (7.85%) $2,000,000 | 20 Nov 2023 | 24 mths | INV, NDIS | PI | 24 mths | 25 yrs | $2,000,000 | NDIS | No LPF | Duplex is acceptable | Interest Only is n/a | Max Term is 25 yrs.ย ๐๐๐ | ||||||||
Navy (BC Invest) | Navy Investor Promo FD | 6.99% (7.42%) $1,500,000 | 6.99% (7.42%) $1,500,000 | 5 Dec 2023 | 18 mths | INV | IO, PI | 24 mths | 30 yrs | $1,500,000 | $ 300 App Feeย - Waived | Optional Offset - add 0.10% |Int Only Loading WAIVED | Max 10ha (25 acres) | Min. 20,000 population. | PAYG Applicants Only! | ๐๐๐ | |||||||||
Navy (BC Invest) | Navy Prime INV FD | 6.99% (7.42%) $2,000,000 | 6.99% (7.42%) $1,500,000 | 7.44% (7.86%) $1,000,000 | 8.24% (8.65%) $1,000,000 | 13 Mar 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | $ 300 App Feeย - Waived | Optional Offset - add 0.10% | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | ๐๐๐ | |||||||
Navy (BC Invest) | Navy Xpat INV - FD | 7.43% (7.95%) $750,000 | 7.43% (8.00%) $750,000 | 7.43% (8.02%) $750,000 | 29 Nov 2023 | - | INV | PI | 24 mths | 25 yrs | $750,000 | PAYG or Self Employed | No Clawback | No Min Size - Units |ย Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | ๐๐ | ||||||||
Navy (BC Invest) | Navy Xpat INV Max - FD | 7.93% (8.44%) $1,500,000 | 29 Nov 2023 | - | INV | PI | 24 mths | 25 yrs | $1,500,000 | PAYG or Self Employed | No Clawback | No Min Size - Units |ย Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | | ||||||||||
Navy (BC Invest) | Navy Xpat INV Mid - FD | 7.73% (8.24%) $1,000,000 | 7.73% (8.29%) $1,000,000 | 7.73% (8.32%) $1,000,000 | 29 Nov 2023 | - | INV | PI | 24 mths | 25 yrs | $1,000,000 | PAYG or Self Employed | No Clawback | No Min Size - Units |ย Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | | ||||||||
Ocean (ORDE) | Bridging - End Debt (ED) A | 8.24% (8.65%) $2,000,000 | 8.49% (8.65%) $2,000,000 | 8.64% (8.80%) $1,500,000 | 18 Apr 2024 | - | OO, INV | IO | 12 mths | 1.5 yrs | $2,000,000 | Reverts to applicable rate FD or Altdoc after sale of current property | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee. | ||||||||
Ocean (ORDE) | Bridging - Nil End Debt (NED) A | 8.24% (8.65%) $2,000,000 | 8.49% (8.65%) $2,000,000 | 8.64% (8.80%) $1,500,000 | 18 Apr 2024 | - | OO, INV | IO | 12 mths | 1.5 yrs | $2,000,000 | No Servicing Required | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee. | ||||||||
Ocean (ORDE) | Ocean Diamond A - INV | 7.49% (7.57%) $1,750,000 | 7.64% (7.72%) $1,750,000 | 7.64% (7.72%) $1,750,000 | 7.74% (7.82%) $1,750,000 | 5 Dec 2023 | - | INV | PI | 24 mths | 30 yrs | $1,750,000 | App Fee: $495 | Add 0.30% for Int Only | Can refinance ATO debt on Prime products | ๐๐ | |||||||
Ocean (ORDE) | Ocean Diamond Max A - INV | 7.74% (7.82%) $2,000,000 | 7.89% (7.97%) $2,000,000 | 7.89% (7.97%) $2,000,000 | 5 Dec 2023 | - | INV | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.30% for Int Only. | ||||||||
Ocean (ORDE) | Ocean Xpat | 7.49% (7.59%) $1,750,000 | 5 Dec 2023 | - | INV | PI | - | 30 yrs | $1,750,000 | Add 0.30% for Int Only. Purchase or Refi - No Cash Out. | ||||||||||
Purple (La Trobe) | Prime A Full Doc | 7.34% (7.69%) $2,000,000 | 7.54% (7.89%) $2,000,000 | 7.74% (8.08%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE |ย Can refinance ATO debt on Prime products | ๐๐. | ||||||||
Purple (La Trobe) | Prime Max A Full Doc | 7.54% (7.89%) $5,000,000 | 7.94% (8.31%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Max Loan $5.0m | |||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.39% (8.79%) $2,000,000 | 8.49% (8.89%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | Servicing on END debt @ revert rate | Reverts to applicable rate after sale of current property | BRIDGING. | ||||||||
Purple (La Trobe) | Relocation NED (Nil End Debt) | 8.39% (8.78%) $2,000,000 | 8.49% (8.88%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 5 Dec 2023 | - | OO, INV | IO | 12 mths | 2 yrs | $2,000,000 | 1 Yr prepaid interest - Max. 2 Yr Term | Must include a purchase | No Servicing on NED loans | Ideal for downsizing | Can be used for construction | BRIDGING | | ||||||||
Purple (La Trobe) | Rural <100 acres FD A | 7.74% (8.09%) $1,500,000 | 7.94% (8.28%) $1,500,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $1,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply. | |||||||||
Purple (La Trobe) | Rural >100 acres FD A | 9.79% (10.12%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities)| Valuation by quote | Loadings may apply. | ||||||||||
Red (RedZed) | SE Prime A INV | 7.34% (7.56%) $1,500,000 | 7.54% (7.76%) $1,500,000 | 7.64% (7.86%) $1,500,000 | 8.49% (8.76%) $1,500,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% (1.0% RF @ 85% LVR) | Add 0.25% for Int Only - max 2 yrs 70% for OO IO |No ETF on resi securities | | Can refinance ATO debt on Prime products | ๐๐. | |||||||
Red (RedZed) | SE Prime A Max - INV | 7.44% (7.66%) $2,000,000 | 7.64% (7.86%) $2,000,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.25% for Int Only (Max 70% LVR - 2 yrs for OO IO) NO ETF on residential securities. | |||||||||
Red (RedZed) | SE Prime XL A | 7.99% (8.27%) $3,500,000 | 8.39% (8.67%) $3,500,000 | 8.39% (8.67%) $3,500,000 | 15 Apr 2024 | Diminishing 24 mths | OO, INV | PI | 24 mths | 30 yrs | $3,500,000 | Risk Fee - 1.25% | Add 0.40% for Int Only (Max 70% LVR - 2 yrs for OO IO) | NO ETF on residential securities | Cat 1 & 2 locations. | ||||||||
Red (RedZed) | SE Prime XL Jumbo A | 7.99% (8.27%) $5,000,000 | 8.39% (8.67%) $5,000,000 | 8.39% (8.67%) $5,000,000 | 15 Apr 2024 | Diminishing 24 mths | OO, INV | PI | 24 mths | 30 yrs | $5,000,000 | Risk Fee - 1.25% | No INV or Int Only Loading (Max 70% LVR - 2 yrs for OO IO) | NO ETF on residential securities | Cat 1 locations only | | ||||||||
NDIS | ||||||||||||||||||||
Cabernet (ORIGIN) | NDIS - Inv Var | 7.10% (7.75%) $2,000,000 | 7.10% (7.75%) $2,000,000 | 7.20% (7.85%) $2,000,000 | 20 Nov 2023 | 24 mths | INV, NDIS | PI | 24 mths | 25 yrs | $2,000,000 | NDIS | No LPF | Duplex is acceptable | Interest Only is n/a | Max Term is 25 yrs.ย ๐๐๐ | ||||||||
Cabernet (ORIGIN) | NDIS - OO Var | 6.80% (7.46%) $2,000,000 | 6.80% (7.46%) $2,000,000 | 6.90% (7.55%) $2,000,000 | 20 Nov 2023 | 24 mths | OO, NDIS | PI | 24 mths | 25 yrs | $2,000,000 | NDIS | No LPF | Interest Only is n/a | Max Term is 25 yrs. |
Near Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Navy (BC Invest) | Navy Lifestyle B Full Doc OO | 7.49% (7.94%) $1,500,000 | 7.49% (7.94%) $1,250,000 | 7.49% (7.94%) $1,250,000 | 7.69% (8.17%) $1,250,000 | 7.69% (8.19%) $1,250,000 | 29 Nov 2023 | 12 mths | OO | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Ocean (ORDE) | Ocean Emerald B OO Full Doc | 7.49% (7.58%) $1,750,000 | 7.49% (7.58%) $1,750,000 | 7.59% (7.68%) $1,750,000 | 7.74% (7.83%) $1,750,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $1,750,000 | Add 0.30% for Int Only. | |||||||
Purple (La Trobe) | Lifestyle B OO FD | 7.59% (7.95%) $2,000,000 | 7.79% (8.15%) $2,000,000 | 7.89% (8.24%) $2,000,000 | 5 Dec 2023 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | Owner Occupied Only. Add 0.40% for Int Only. Security determines the purpose - can have OO ino Company. No Rate Loading for Inv. | ||||||||
Red (RedZed) | Reward B - OO | 7.34% (7.61%) $2,500,000 | 7.34% (7.61%) $2,500,000 | 7.39% (7.66%) $2,500,000 | 7.44% (7.71%) $2,250,000 | 7.59% (7.88%) $2,000,000 | 7.59% (7.88%) $1,750,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee. $ Nil Risk Fee to 70%; 0.50% Risk Fee >70%. Add 0.25% for Int Only. (Max 2 yrs 70% LVR for OO IO). No ETF on resi. | |||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Lifestyle B Full Doc INV | 7.74% (8.18%) $1,500,000 | 7.74% (8.18%) $1,250,000 | 7.74% (8.18%) $1,250,000 | 7.94% (8.42%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 29 Nov 2023 | 12 mths | INV | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Ocean (ORDE) | Ocean Emerald B INV Full Doc | 7.79% (7.88%) $1,750,000 | 7.79% (7.88%) $1,750,000 | 7.89% (7.98%) $1,750,000 | 8.04% (8.13%) $1,750,000 | 5 Dec 2023 | - | INV | PI | 12 mths | 30 yrs | $1,750,000 | Add 0.30% for Int Only. | |||||||
Purple (La Trobe) | Lifestyle B INV FD | 7.84% (8.20%) $2,000,000 | 8.04% (8.39%) $2,000,000 | 8.04% (8.39%) $2,000,000 | 5 Dec 2023 | - | INV | PI | 12 mths | 30 yrs | $2,000,000 | Add 0.40% for Int Only. | ||||||||
Red (RedZed) | Reward B - INV | 7.59% (7.87%) $2,500,000 | 7.59% (7.87%) $2,500,000 | 7.64% (7.92%) $2,500,000 | 7.69% (7.97%) $2,250,000 | 7.84% (8.13%) $2,000,000 | 7.84% (8.13%) $1,750,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee. $ Nil Risk Fee to 70%; 0.50% Risk Fee >70%. Add 0.25% for Int Only. (Max 2 yrs 70% LVR for OO IO). No ETF on resi. |
Fixed Rate
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Cabernet (ORIGIN) | 3 Yr Fixed Special - Owner Occupier | 6.99% (7.29%) $2,000,000 | 6.99% (7.29%) $2,000,000 | 6.99% (7.29%) $2,000,000 | 20 Nov 2023 | 24 mths | OO | PI | 24 mths | 30 yrs | $2,000,000 | $295 Annual Fee | $495 Rate Lock Fee | NO LPF to 80% (85% = 1.50% LPF |ย 90% = 2.50% LPF) | 100% Offset | NO CASH OUT. | ||||||||
Cabernet (ORIGIN) | 5 Yr Fixed Special - Owner Occupier | 6.99% (7.29%) $2,000,000 | 6.99% (7.29%) $2,000,000 | 6.99% (7.29%) $2,000,000 | 20 Nov 2023 | 24 mths | OO | PI | 24 mths | 30 yrs | $2,000,000 | ASSESSED @ 5 Yr RATE! | $295 Annual Fee | $495 Rate Lock Fee | NO LPF to 80% (1.0% LPF - 85%, 2.0% LPF - 90%) | 100% Offset | NO CASH OUT. ๐๐ | ||||||||
Cabernet (ORIGIN) | Flexi Home OO 1 Yr Fixed | 7.34% (7.40%) $2,000,000 | 7.34% (7.40%) $2,000,000 | 7.44% (7.50%) $2,000,000 | 7.74% (8.72%) $2,000,000 | 8.24% (8.72%) $1,750,000 | 20 Nov 2023 | 24 mths | OO | PI | 24 mths | 30 yrs | $2,000,000 | Nil Annual Fee to 80% LVR (OO) | No LPF to 80% LVR (85% = 1.5% LPF; 90% = 2.5% LPF) | Add 0.40% loading for Interest Only. | ||||||
Investor | ||||||||||||||||||||
Cabernet (ORIGIN) | 3 Yr Fixed Special - Investor | 7.29% (7.65%) $2,000,000 | 7.29% (7.65%) $2,000,000 | 7.29% (7.65%) $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | $395 Annual Fee | $495 Rate Lock Fee - optional | NO LPF to 80% LVR (85% = 2.0% LPF|ย 90% = 3.0% LPF ) | 100% Offset | Inv ONLY!ย | NO CASH OUT.ย | ||||||||
Cabernet (ORIGIN) | 5 Year Fixed Special - Investor | 7.29% (7.65%) $2,000,000 | 7.29% (7.65%) $2,000,000 | 7.29% (7.65%) $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | ASSESSED @ 5 Yr RATE! | $395 Annual Fee | $495 Rate Lock Fee | NO LPF to 80% (85% = 1.5% LPF | 90% = 2.5% LPF) | 100% Offset | NO CASH OUT.ย ๐๐ | ||||||||
Cabernet (ORIGIN) | Flexi Investor - 1 Yr Fixed | 7.74% (7.80%) $2,000,000 | 7.84% (7.90%) $2,000,000 | 7.84% (7.90%) $2,000,000 | 8.14% (8.79%) $2,000,000 | 8.64% (8.79%) $1,750,000 | 20 Nov 2023 | 24 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | 80% LVR = $Nil LPFย (85% =ย 2.0% LPF | 90% = 3.0% LPF) |ย Add 0.40% for Int Only. |
1 Yr Returns
Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Navy (BC Invest) | Navy Prime OO FD | 6.83% (7.26%) $2,000,000 | 6.93% (7.36%) $1,500,000 | 13 Mar 2024 | 18 mths | OO | PI | 24 mths | 30 yrs | $2,000,000 | $ 330 App Feeย | Optional Offset - add 0.10% | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | Min. 2 Yr ABN & 1 Yr GST |๐๐๐ | |||||||||
Ocean (ORDE) | Ocean Diamond A OO | 7.19% (7.27%) $1,750,000 | 7.34% (7.42%) $1,750,000 | 7.34% (7.42%) $1,750,000 | 7.44% (7.52%) $1,750,000 | 5 Dec 2023 | - | OO | PI | 24 mths | 30 yrs | $1,750,000 | Most recent BAS requiredย January to June | App Fee: $495 | Add 0.30% for Int Only. | |||||||
Purple (La Trobe) | Prime A Full Doc | 7.34% (7.69%) $2,000,000 | 7.54% (7.89%) $2,000,000 | 7.74% (8.08%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | ATO Debt can be refinanced. | ||||||||
Purple (La Trobe) | Prime Max A Full Doc | 7.54% (7.89%) $5,000,000 | 7.94% (8.31%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Max Loan $5.0m | |||||||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Prime INV FD | 6.99% (7.42%) $2,000,000 | 6.99% (7.42%) $1,500,000 | 13 Mar 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | $ 330 App Fee | Optional Offset - add 0.10% | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | Min 2 Yr ABN & 1 Yr GST |๐๐๐ | |||||||||
Ocean (ORDE) | Ocean Diamond A - INV | 7.49% (7.57%) $1,750,000 | 7.64% (7.72%) $1,750,000 | 7.64% (7.72%) $1,750,000 | 7.74% (7.82%) $1,750,000 | 5 Dec 2023 | - | INV | PI | 24 mths | 30 yrs | $1,750,000 | Most recent BAS requiredย January to June | App Fee: $495 | Add 0.30% for Int Only. | |||||||
Purple (La Trobe) | Prime A Full Doc | 7.34% (7.69%) $2,000,000 | 7.54% (7.89%) $2,000,000 | 7.74% (8.08%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | ATO Debt can be refinanced. | ||||||||
Purple (La Trobe) | Prime Max A Full Doc | 7.54% (7.89%) $5,000,000 | 7.94% (8.31%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | App Fee = 1.50% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Max Loan $5.0m |
Near Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Navy (BC Invest) | Navy Lifestyle B Altdoc OO | 7.74% (8.18%) $1,500,000 | 7.74% (8.18%) $1,250,000 | 7.74% (8.18%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 29 Nov 2023 | 12 mths | OO | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Navy (BC Invest) | Navy Lifestyle B Full Doc OO | 7.49% (7.94%) $1,500,000 | 7.49% (7.94%) $1,250,000 | 7.49% (7.94%) $1,250,000 | 7.69% (8.17%) $1,250,000 | 7.69% (8.19%) $1,250,000 | 29 Nov 2023 | 12 mths | OO | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Red (RedZed) | Reward B - OO | 7.34% (7.61%) $2,500,000 | 7.34% (7.61%) $2,500,000 | 7.44% (7.71%) $2,250,000 | 7.59% (7.88%) $1,750,000 | 1 Dec 2023 | Diminishing 24 mths | OO | PI | 12 mths | 30 yrs | $2,500,000 | MUST be SE <2 Yrs | $ Nil App Fee | $ Nil Risk Fee to 70% - 0.50% Risk Fee >70%. | Add 0.25% for Int Only | (Max 2 yrs 70% LVR for OO IO) | No ETF on resi. | |||||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Lifestyle B Altdoc INV | 7.99% (8.43%) $1,500,000 | 7.99% (8.43%) $1,250,000 | 7.99% (8.43%) $1,250,000 | 8.19% (8.68%) $1,250,000 | 8.19% (8.68%) $1,250,000 | 29 Nov 2023 | 12 mths | INV | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Navy (BC Invest) | Navy Lifestyle B Full Doc INV | 7.74% (8.18%) $1,500,000 | 7.74% (8.18%) $1,250,000 | 7.74% (8.18%) $1,250,000 | 7.94% (8.42%) $1,250,000 | 7.94% (8.43%) $1,250,000 | 29 Nov 2023 | 12 mths | INV | PI | 12 mths | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 1 Year ITR | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | One Life Event Default - no mortgage arrears | | ||||||
Red (RedZed) | Reward B - INV | 7.59% (7.87%) $2,500,000 | 7.59% (7.87%) $2,500,000 | 7.69% (7.97%) $2,250,000 | 7.84% (8.13%) $1,750,000 | 1 Dec 2023 | Diminishing 24 mths | INV | PI | 12 mths | 30 yrs | $2,500,000 | MUST be SE <2 Yrs | $ Nil App Fee | $ Nil Risk Fee to 70% - 0.50% Risk Fee >70%. | Add 0.25% for Int Only | (Max 2 yrs 70% LVR for OO IO) | No ETF on resi. |
Xpat
Prime
Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Effective Date | Clawback | Occupancy | Repayments | ABN Period | Max Term | Max Loan | Notes | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Owner Occupier | ||||||||||||||||||||
Navy (BC Invest) | Navy Xpat OO - FD | 7.23% (7.75%) $750,000 | 7.23% (7.80%) $750,000 | 7.23% (7.83%) $750,000 | 29 Nov 2023 | - | OO | PI | 24 mths | 25 yrs | $750,000 | PAYG or Self Employed | No Clawback | No Min Size - Units |ย Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | ๐๐ | ||||||||
Purple (La Trobe) | Prime Full Doc - Xpat | 7.44% (7.79%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.84% (8.18%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS. | ||||||||
Purple (La Trobe) | Prime Full Doc - Xpat Max | 8.04% (8.38%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS | Max Loan $5.0m. | ||||||||||
Investor | ||||||||||||||||||||
Cabernet (ORIGIN) | Xpat | 7.15% (7.64%) $2,000,000 | 7.15% (7.64%) $2,000,000 | 7.25% (7.79%) $2,000,000 | 7.55% (8.19%) $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | - | 30 yrs | $2,000,000 | Add 0.40% for Int Only | LPF applies to Xpat loans >80% LVR. | Equity Release & Cash Out to 75% LVR | XPATS ONLY! ๐ | |||||||
Navy (BC Invest) | Navy Xpat INV - FD | 7.43% (7.95%) $750,000 | 7.43% (8.00%) $750,000 | 7.43% (8.02%) $750,000 | 29 Nov 2023 | - | INV | PI | 24 mths | 25 yrs | $750,000 | PAYG or Self Employed | No Clawback | No Min Size - Units |ย Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | ๐๐ | ||||||||
Navy (BC Invest) | Navy Xpat INV Max - FD | 7.93% (8.44%) $1,500,000 | 29 Nov 2023 | - | INV | PI | 24 mths | 25 yrs | $1,500,000 | PAYG or Self Employed | No Clawback | No Min Size - Units |ย Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | | ||||||||||
Navy (BC Invest) | Navy Xpat INV Mid - FD | 7.73% (8.24%) $1,000,000 | 7.73% (8.29%) $1,000,000 | 7.73% (8.32%) $1,000,000 | 29 Nov 2023 | - | INV | PI | 24 mths | 25 yrs | $1,000,000 | PAYG or Self Employed | No Clawback | No Min Size - Units |ย Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | | ||||||||
Ocean (ORDE) | Ocean Xpat | 7.34% (7.44%) $1,750,000 | 7.49% (7.59%) $1,750,000 | 7.59% (7.69%) $1,750,000 | 5 Dec 2023 | - | INV | PI | - | 30 yrs | $1,750,000 | Add 0.30% for Int Only. Purchase or Refi - No Cash Out. | ||||||||
Purple (La Trobe) | Prime Full Doc - Xpat | 7.44% (7.79%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.84% (8.18%) $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS. | ||||||||
Purple (La Trobe) | Prime Full Doc - Xpat Max | 8.04% (8.38%) $5,000,000 | 5 Dec 2023 | - | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | Aussie EXPATS | Max Loan $5.0m. |