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 and the Risk Fee is on the 4th 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% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Options Altdoc OO | 7.13% (7.55%) $1,500,000 [n/a] | 7.13% (7.55%) $1,500,000 [n/a] | 7.18% (7.60%) $1,500,000 [n/a] | 7.18% (7.60%) $1,500,000 [n/a] | 15 Oct 2024 | 31 Dec 2024 | 18 mths | 0.30% | 330 | OO | PI | 24 mths | 30 yrs | $1,500,000 | $ 330 App Fee | Optional Free Offset | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | 😊😊😊 | ||||||
| Navy (BC Invest) | Navy Options Altdoc OO MAX | 7.63% (8.05%) $2,000,000 [n/a] | 7.63% (8.05%) $2,000,000 [n/a] | 7.68% (8.10%) $2,000,000 [n/a] | 7.68% (8.10%) $1,750,000 [n/a] | 14 Oct 2024 | 31 Dec 2024 | 18 mths | 0.30% | 330 | OO | PI | 24 mths | 30 yrs | $2,000,000 | $ 330 App Fee | Optional Free Offset | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | Can go to $2.5m @ 65% - POA | 😊😊😊 | ||||||
| Ocean (ORDE) | D1 Diamond A Altdoc OO | 7.29% (7.38%) $1,750,000 [n/a] | 7.49% (7.57%) $1,750,000 [n/a] | 7.49% (7.57%) $1,750,000 [n/a] | 7.49% (7.57%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 0.50% | 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) | D2 Diamond Max A - Altdoc OO | 7.54% (7.66%) $2,500,000 [n/a] | 7.74% (7.86%) $2,500,000 [n/a] | 7.74% (7.86%) $2,000,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 0.85% | OO | PI | 24 mths | 30 yrs | $2,500,000 | Add 0.30% for Int Only. | |||||||
| Ocean (ORDE) | D3 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals] | 7.99% (8.07%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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) | Same rates for Full Doc |Cat 1 & 2 locations excl Capital cities |
 | |||||||||
| Ocean (ORDE) | D4 Prestige A Altdoc | FD - [Capitals excl Mel & Syd] | 7.99% (8.07%) $5,000,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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) | Capital cities excluding Sydney & Melbourne | Same rates for Full Doc | | |||||||||
| Ocean (ORDE) | D4 Prestige A Altdoc | FD - [MEL SYD] | 7.99% (8.07%) $5,000,000 [n/a] | 8.54% (8.62%) $5,000,000 [n/a] | 8.54% (8.62%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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. | |||||||
| Ocean (ORDE) | D5 Bridging - End Debt (ED) AB | 8.24% (8.40%) $4,000,000 [n/a] | 8.49% (8.65%) $4,000,000 [n/a] | 8.64% (8.80%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | Nil | 1.50% | OO, INV | IO | 12 mths | 30 yrs | $4,000,000 | 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 | Max $2.0m per security | |||||||
| Ocean (ORDE) | D6 Bridging - Nil End Debt (NED) AB | 8.24% (8.40%) $4,000,000 [n/a] | 8.49% (8.65%) $4,000,000 [n/a] | 8.64% (8.80%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | Nil | 1.50% | OO, INV | IO | 12 mths | 1 yrs | $4,000,000 | No Servicing Required | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee | Max $2.0m per security | |||||||
| Purple (La Trobe) | P1 Essentials A Altdoc | 7.44% (7.79%) $3,000,000 [n/a] | 7.49% (7.84%) $3,000,000 [n/a] | 7.54% (7.89%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | OO | PI | 12 mths | 30 yrs | $3,000,000 | 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) | P3 Prime Special A Altdoc OO | 7.64% (7.95%) $3,000,000 [n/a] | 7.69% (8.00%) $3,000,000 [n/a] | 7.74% (8.05%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.50 | OO | PI | 12 mths | 30 yrs | $3,000,000 | 1.50% App Fee | Add 0.40% for Int Only | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple (La Trobe) | Prime Max A Altdoc | 8.04% (8.34%) $5,000,000 [n/a] | 8.54% (8.84%) $5,000,000 [n/a] | 8.64% (8.94%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.50 | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | 1.50% App Fee | Add 0.40% for Int Only | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple (La Trobe) | Relocation ED (End Debt) | 8.49% (8.89%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.4% | 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) | 8.49% (8.88%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.25% | 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 | 8.39% (8.73%) $2,500,000 [n/a] | 8.44% (8.78%) $2,500,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | ||||||||
| Purple (La Trobe) | Rural >100 acres Altdoc A | 9.79% (10.12%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | |||||||||
| Red (RedZed) | SE Prime A Altdoc OO | 7.14% (7.37%) $1,500,000 [Nil] | 7.14% (7.37%) $1,500,000 [Nil] | 7.29% (7.52%) $1,500,000 [Nil] | 7.29% (7.52%) $1,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | OO | IO, PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres) | FREE Valuation to EMV $2m till 22Nov24 | | ||||||
| Red (RedZed) | SE Prime A Max Altdoc OO | 7.24% (7.47%) $2,000,000 [Nil] | 7.24% (7.47%) $2,000,000 [Nil] | 7.39% (7.61%) $2,000,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | OO | IO, PI | 24 mths | 30 yrs | $2,000,000 | $ Nil App Fee | No Risk Fee to 80% LVR | 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 Maxima Altdoc OO | 7.29% (7.52%) $2,500,000 [Nil] | 7.29% (7.52%) $2,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | OO | IO, 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 | 7.99% (8.27%) $3,500,000 [1.25%] | 8.54% (8.82%) $3,500,000 [1.25%] | 8.64% (8.92%) $3,500,000 [1.25%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations. | |||||||
| Red (RedZed) | SE Prime XL Jumbo Altdoc A | 7.99% (8.27%) $5,000,000 [1.25%] | 8.54% (8.82%) $5,000,000 [1.25%] | 8.64% (8.92%) $5,000,000 [1.25%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only. | |||||||
| Investor | ||||||||||||||||||||||
| Navy (BC Invest) | Navy NDIS Altdoc INV | 7.33% (7.86%) $1,500,000 [n/a] | 7.33% (7.86%) $1,500,000 [n/a] | 7.38% (7.91%) $1,500,000 [n/a] | 7.38% (7.91%) $1,500,000 [n/a] | 15 Oct 2024 | 31 Dec 2024 | 18 mths | 0.30% | 550 | INV, NDIS | PI | 24 mths | 30 yrs | $1,500,000 | Optional Free Offset | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | Max 100% of Alternate Use Valuation | Cash Out or Equity Release Available |😊😊 | ||||||
| Navy (BC Invest) | Navy NDIS Max Altdoc INV | 7.83% (8.35%) $2,000,000 [n/a] | 7.83% (8.35%) $2,000,000 [n/a] | 7.88% (8.40%) $2,000,000 [n/a] | 7.88% (8.40%) $1,750,000 [n/a] | 15 Oct 2024 | 31 Dec 2024 | 18 mths | 0.30% | 550 | INV, NDIS | PI | 24 mths | 30 yrs | $2,000,000 | Optional Free Offset | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | Max 100% of Alternate Use Valuation | Cash Out or Equity Release Available |😊😊 | ||||||
| Navy (BC Invest) | Navy Options Altdoc INV | 7.33% (7.75%) $1,500,000 [n/a] | 7.33% (7.75%) $1,500,000 [n/a] | 7.38% (7.80%) $1,500,000 [n/a] | 7.38% (7.80%) $1,500,000 [n/a] | 15 Oct 2024 | 31 Dec 2024 | 18 mths | 0.30% | 330 | INV | PI | 24 mths | 30 yrs | $1,500,000 | $ 330 App Fee | Optional Free Offset | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | 😊😊😊 | ||||||
| Navy (BC Invest) | Navy Options Altdoc MAX INV | 7.83% (8.24%) $2,000,000 [n/a] | 7.83% (8.24%) $2,000,000 [n/a] | 7.88% (8.29%) $2,000,000 [n/a] | 7.88% (8.29%) $1,750,000 [n/a] | 19 Aug 2024 | - | 18 mths | 0.30% | 330 | INV | PI | 24 mths | 30 yrs | $2,000,000 | $ 330 App Fee | Optional Free Offset | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | Can go to $2.5m @ 65% - POA | 😊😊😊 | ||||||
| Ocean (ORDE) | D1 Diamond A Altdoc INV | 7.29% (7.38%) $1,750,000 [n/a] | 7.49% (7.57%) $1,750,000 [n/a] | 7.49% (7.57%) $1,750,000 [n/a] | 7.49% (7.57%) $1,750,000 [n/a] | 12 Nov 2024 | 29 Nov 2024 | - | 0.30% | 0.50% | 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) | D2 Diamond Max A - Altdoc INV | 7.54% (7.66%) $2,500,000 [n/a] | 7.74% (7.86%) $2,500,000 [n/a] | 7.74% (7.86%) $2,000,000 [n/a] | 12 Nov 2024 | 29 Nov 2024 | - | 0.30% | 0.85% | INV | PI | 24 mths | 30 yrs | $2,500,000 | Add 0.30% for Int Only. | |||||||
| Ocean (ORDE) | D3 Jumbo A Altdoc - [Cat 1 & 2 excl Capitals] | 7.99% (8.07%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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) | Same rates for Full Doc |Cat 1 & 2 locations excl Capital cities |
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| Ocean (ORDE) | D4 Prestige A Altdoc | FD - [Capitals excl Mel & Syd] | 7.99% (8.07%) $5,000,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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) | Capital cities excluding Sydney & Melbourne | Same rates for Full Doc | | |||||||||
| Ocean (ORDE) | D4 Prestige A Altdoc | FD - [MEL SYD] | 7.99% (8.07%) $5,000,000 [n/a] | 8.54% (8.62%) $5,000,000 [n/a] | 8.54% (8.62%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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. | |||||||
| Ocean (ORDE) | D5 Bridging - End Debt (ED) AB | 8.24% (8.40%) $4,000,000 [n/a] | 8.49% (8.65%) $4,000,000 [n/a] | 8.64% (8.80%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | Nil | 1.50% | OO, INV | IO | 12 mths | 30 yrs | $4,000,000 | 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 | Max $2.0m per security | |||||||
| Ocean (ORDE) | D6 Bridging - Nil End Debt (NED) AB | 8.24% (8.40%) $4,000,000 [n/a] | 8.49% (8.65%) $4,000,000 [n/a] | 8.64% (8.80%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | Nil | 1.50% | OO, INV | IO | 12 mths | 1 yrs | $4,000,000 | No Servicing Required | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee | Max $2.0m per security | |||||||
| Purple (La Trobe) | Prime A Altdoc INV | 7.84% (8.15%) $3,000,000 [n/a] | 7.94% (8.24%) $3,000,000 [n/a] | 8.04% (8.34%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.50 | INV | PI | 12 mths | 30 yrs | $3,000,000 | 1.50% App Fee | Add 0.40% for Int Only | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple (La Trobe) | Prime Max A Altdoc | 8.04% (8.34%) $5,000,000 [n/a] | 8.54% (8.84%) $5,000,000 [n/a] | 8.64% (8.94%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.50 | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | 1.50% App Fee | Add 0.40% for Int Only | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple (La Trobe) | Relocation ED (End Debt) | 8.49% (8.89%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.4% | 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) | 8.49% (8.88%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.25% | 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 | 8.39% (8.73%) $2,500,000 [n/a] | 8.44% (8.78%) $2,500,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | ||||||||
| Purple (La Trobe) | Rural >100 acres Altdoc A | 9.79% (10.12%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | |||||||||
| Red (RedZed) | SE Prime A Altdoc INV | 7.14% (7.37%) $1,500,000 [Nil] | 7.14% (7.37%) $1,500,000 [Nil] | 7.29% (7.52%) $1,500,000 [Nil] | 7.29% (7.52%) $1,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | INV | IO, PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | 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 | 7.24% (7.47%) $2,000,000 [Nil] | 7.24% (7.47%) $2,000,000 [Nil] | 7.39% (7.61%) $2,000,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | INV | IO, PI | 24 mths | 30 yrs | $2,000,000 | $ Nil App Fee | No Risk Fee to 80% LVR | 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 Maxima Altdoc INV | 7.29% (7.52%) $2,500,000 [Nil] | 7.29% (7.52%) $2,000,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | INV | IO, PI | 24 mths | 30 yrs | $2,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | Add 0.30% 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 XL Altdoc A | 7.99% (8.27%) $3,500,000 [1.25%] | 8.54% (8.82%) $3,500,000 [1.25%] | 8.64% (8.92%) $3,500,000 [1.25%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations. | |||||||
| Red (RedZed) | SE Prime XL Jumbo Altdoc A | 7.99% (8.27%) $5,000,000 [1.25%] | 8.54% (8.82%) $5,000,000 [1.25%] | 8.64% (8.92%) $5,000,000 [1.25%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only. | |||||||
| NDIS | ||||||||||||||||||||||
| Navy (BC Invest) | Navy NDIS Altdoc INV | 7.33% (7.86%) $1,500,000 [n/a] | 7.33% (7.86%) $1,500,000 [n/a] | 7.38% (7.91%) $1,500,000 [n/a] | 7.38% (7.91%) $1,500,000 [n/a] | 15 Oct 2024 | 31 Dec 2024 | 18 mths | 0.30% | 550 | INV, NDIS | PI | 24 mths | 30 yrs | $1,500,000 | Optional Free Offset | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | Max 100% of Alternate Use Valuation | Cash Out or Equity Release Available |😊😊 | ||||||
| Navy (BC Invest) | Navy NDIS Max Altdoc INV | 7.83% (8.35%) $2,000,000 [n/a] | 7.83% (8.35%) $2,000,000 [n/a] | 7.88% (8.40%) $2,000,000 [n/a] | 7.88% (8.40%) $1,750,000 [n/a] | 15 Oct 2024 | 31 Dec 2024 | 18 mths | 0.30% | 550 | INV, NDIS | PI | 24 mths | 30 yrs | $2,000,000 | Optional Free Offset | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | Max 100% of Alternate Use Valuation | Cash Out or Equity Release Available |😊😊 | ||||||
Near Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Lifestyle B Altdoc OO | 7.74% (8.24%) $1,500,000 [1.25%] | 7.74% (8.24%) $1,250,000 [1.25%] | 7.74% (8.24%) $1,250,000 [1.25%] | 7.94% (8.44%) $1,250,000 [1.25%] | 7.94% (8.44%) $1,250,000 [1.25%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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 Specialist C Altdoc OO | 8.59% (9.09%) $1,500,000 [1.25%] | 8.80% (9.29%) $1,250,000 [1.25%] | 8.80% (9.29%) $1,250,000 [1.25%] | 9.40% (9.88%) $1,250,000 [1.25%] | 9.60% (10.08%) $1,250,000 [1.25%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | OO | PI | 6-months | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 6 mth ABN + 6 mth GST | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | Mortgage arrears - 1 event | Discharged Bankrupt <1 Yr. | >1 Life Event | Risk Fee applies all loans. | |||||
| Ocean (ORDE) | Emerald B Altdoc OO | 7.79% (7.87%) $1,750,000 [n/a] | 8.09% (8.17%) $1,750,000 [n/a] | 8.09% (8.15%) $1,750,000 [n/a] | 8.09% (8.19%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 0.75% | 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 acres dependent on Category. | ||||||
| Ocean (ORDE) | Onyx C Altdoc OO | 8.24% (8.35%) $2,000,000 [n/a] | 8.54% (8.65%) $2,000,000 [n/a] | 8.54% (8.66%) $2,000,000 [n/a] | 8.54% (8.66%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 1.25% | 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 [n/a] | 9.14% (9.26%) $1,500,000 [n/a] | 9.14% (9.27%) $1,500,000 [n/a] | 9.14% (9.27%) $1,250,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 1.50% | 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 | 8.14% (8.50%) $3,000,000 [n/a] | 8.39% (8.75%) $3,000,000 [n/a] | 8.39% (8.75%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO | PI | 12 mths | 30 yrs | $3,000,000 | 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 | 7.59% (7.84%) $2,500,000 [Nil] | 7.59% (7.84%) $2,500,000 [Nil] | 7.64% (7.89%) $2,500,000 [Nil] | 7.69% (7.94%) $2,250,000 [Nil] | 7.74% (8.02%) $2,000,000 [0.5%] | 7.74% (8.02%) $1,750,000 [0.5%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | OO | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | ||||
| Investor | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Lifestyle B Altdoc INV | 7.99% (8.49%) $1,500,000 [1.25%] | 7.99% (8.49%) $1,250,000 [1.25%] | 7.99% (8.49%) $1,250,000 [1.25%] | 8.19% (8.69%) $1,250,000 [1.25%] | 8.19% (8.69%) $1,250,000 [1.25%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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 [n/a] | 8.39% (8.47%) $1,750,000 [n/a] | 8.39% (8.48%) $1,750,000 [n/a] | 8.39% (8.48%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | - | 0.75% | 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 acres dependent on Category. | ||||||
| Purple (La Trobe) | Lifestyle B Altdoc INV | 8.34% (8.70%) $3,000,000 [n/a] | 8.54% (8.90%) $3,000,000 [n/a] | 8.64% (9.00%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | INV | PI | 12 mths | 30 yrs | $3,000,000 | 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 | 7.59% (7.84%) $2,500,000 [Nil] | 7.59% (7.84%) $2,500,000 [Nil] | 7.64% (7.89%) $2,500,000 [Nil] | 7.69% (7.94%) $2,250,000 [Nil] | 7.74% (8.02%) $2,000,000 [0.5%] | 7.74% (8.02%) $1,750,000 [0.5%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | INV | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | ||||
Fixed Rate
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Options Altdoc OO - 1 Yr Fixed | 7.18% (7.60%) $1,500,000 [n/a] | 7.18% (7.60%) $1,500,000 [n/a] | 7.23% (7.65%) $1,500,000 [n/a] | 7.23% (7.65%) $1,500,000 [n/a] | 19 Aug 2024 | - | 18 mths | 0.30% | 330 | OO | PI | 24 mths | 30 yrs | $1,500,000 | $ 330 App Fee | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | 😊😊😊 | ||||||
| Navy (BC Invest) | Navy Options Altdoc OO Max - 1 Yr Fixed | 7.68% (8.10%) $2,000,000 [n/a] | 7.68% (8.10%) $2,000,000 [n/a] | 7.73% (8.15%) $2,000,000 [n/a] | 7.73% (8.15%) $1,750,000 [n/a] | 19 Aug 2024 | - | 18 mths | 0.30% | 330 | OO | PI | 24 mths | 30 yrs | $2,000,000 | $ 330 App Fee | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | 😊😊😊 | ||||||
| Investor | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Options Altdoc INV - 1 Yr Fixed | 7.38% (7.80%) $1,500,000 [n/a] | 7.38% (7.80%) $1,500,000 [n/a] | 7.43% (7.85%) $1,500,000 [n/a] | 7.43% (7.85%) $1,500,000 [n/a] | 19 Aug 2024 | - | 18 mths | 0.30% | 330 | INV | PI | 24 mths | 30 yrs | $1,500,000 | $ 330 App Fee | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | 😊😊😊 | ||||||
| Navy (BC Invest) | Navy Options Altdoc MAX INV - 1 Yr Fixed | 7.88% (8.29%) $2,000,000 [n/a] | 7.88% (8.29%) $2,000,000 [n/a] | 7.93% (8.34%) $2,000,000 [n/a] | 7.93% (8.34%) $1,750,000 [n/a] | 14 Oct 2024 | 31 Dec 2024 | 18 mths | 0.30% | 330 | INV | PI | 24 mths | 30 yrs | $2,000,000 | $ 330 App Fee | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | 😊😊😊 | ||||||
ATO Debt
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Purple (La Trobe) | P1 Essentials A Altdoc | 7.44% (7.79%) $3,000,000 [n/a] | 7.49% (7.84%) $3,000,000 [n/a] | 7.54% (7.89%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | OO | PI | 12 mths | 30 yrs | $3,000,000 | 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) | P1 Special OOO A FD | 7.04% (7.39%) $3,000,000 [n/a] | 7.39% (7.73%) $3,000,000 [n/a] | 7.54% (7.88%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 995 | OO | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 😊😊. | |||||||
| Purple (La Trobe) | P3 Prime Special A Altdoc OO | 7.64% (7.95%) $3,000,000 [n/a] | 7.69% (8.00%) $3,000,000 [n/a] | 7.74% (8.05%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.50 | OO | PI | 12 mths | 30 yrs | $3,000,000 | 1.50% App Fee | Add 0.40% for Int Only | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple (La Trobe) | Prime A Full Doc | 7.44% (7.79%) $3,000,000 [n/a] | 7.64% (7.99%) $3,000,000 [n/a] | 7.84% (8.18%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Can refinance ATO debt on Prime products | 😊😊. | |||||||
| Purple (La Trobe) | Prime Max A Altdoc | 8.04% (8.34%) $5,000,000 [n/a] | 8.54% (8.84%) $5,000,000 [n/a] | 8.64% (8.94%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.50 | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | 1.50% App Fee | Add 0.40% for Int Only | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple (La Trobe) | Prime Max A Full Doc | 7.64% (7.99%) $5,000,000 [n/a] | 8.04% (8.41%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | 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 | | ||||||||
| Purple (La Trobe) | Relocation ED (End Debt) | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.4% | 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) | 8.49% (8.88%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.25% | 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 | 8.39% (8.73%) $2,500,000 [n/a] | 8.44% (8.78%) $2,500,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | ||||||||
| Red (RedZed) | SE Prime A Altdoc OO | 7.14% (7.37%) $1,500,000 [Nil] | 7.29% (7.52%) $1,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | OO | IO, PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | Int Only - max 2 yrs | Max 70% LVR for OO IO | No ETF on Resi securities | Max 10 ha (25 acres) | FREE Valuation to EMV $2m till 22Nov24 | | ||||||||
| Investor | ||||||||||||||||||||||
| Purple (La Trobe) | Prime A Altdoc INV | 7.84% (8.15%) $3,000,000 [n/a] | 7.94% (8.24%) $3,000,000 [n/a] | 8.04% (8.34%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.50 | INV | PI | 12 mths | 30 yrs | $3,000,000 | 1.50% App Fee | Add 0.40% for Int Only | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple (La Trobe) | Prime A Full Doc | 7.44% (7.79%) $3,000,000 [n/a] | 7.64% (7.99%) $3,000,000 [n/a] | 7.84% (8.18%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Can refinance ATO debt on Prime products | 😊😊. | |||||||
| Purple (La Trobe) | Prime Max A Altdoc | 8.04% (8.34%) $5,000,000 [n/a] | 8.54% (8.84%) $5,000,000 [n/a] | 8.64% (8.94%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.50 | OO, INV | PI | 12 mths | 30 yrs | $5,000,000 | 1.50% App Fee | Add 0.40% for Int Only | No Risk Fee | Most locations | Max 10ha (25 acres) | ATO Debt OK | Acct Letter or 12 mths BAS | | |||||||
| Purple (La Trobe) | Prime Max A Full Doc | 7.64% (7.99%) $5,000,000 [n/a] | 8.04% (8.41%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | 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 | | ||||||||
| Purple (La Trobe) | Relocation ED (End Debt) | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.4% | 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) | 8.49% (8.88%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.25% | 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 | 8.39% (8.73%) $2,500,000 [n/a] | 8.44% (8.78%) $2,500,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securities (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | ||||||||
| Red (RedZed) | SE Prime A Altdoc INV | 7.14% (7.37%) $1,500,000 [Nil] | 7.14% (7.37%) $1,500,000 [Nil] | 7.29% (7.52%) $1,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | INV | IO, PI | 24 mths | 30 yrs | $1,500,000 | $ Nil App Fee | No Risk Fee to 80% LVR | 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% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Lifestyle B Altdoc OO | 7.74% (8.24%) $1,500,000 [1.25%] | 7.74% (8.24%) $1,250,000 [1.25%] | 7.74% (8.24%) $1,250,000 [1.25%] | 7.94% (8.44%) $1,250,000 [1.25%] | 7.94% (8.44%) $1,250,000 [1.25%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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% (7.99%) $1,500,000 [1.0%] | 7.49% (7.99%) $1,250,000 [1.0%] | 7.49% (7.99%) $1,250,000 [1.0%] | 7.69% (8.18%) $1,250,000 [1.0%] | 7.69% (8.18%) $1,250,000 [1.0%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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 Specialist C Altdoc OO | 8.59% (9.09%) $1,500,000 [1.25%] | 8.80% (9.29%) $1,250,000 [1.25%] | 8.80% (9.29%) $1,250,000 [1.25%] | 9.40% (9.88%) $1,250,000 [1.25%] | 9.60% (10.08%) $1,250,000 [1.25%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | OO | PI | 6-months | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 6 mth ABN + 6 mth GST | Optional Offset - add 0.10% | $550 App Fee | Disregard Defaults if <$2,000; Paid > 1 Yr or 2 Telco/Utility defaults <$1k each | Mortgage arrears - 1 event | Discharged Bankrupt <1 Yr. | >1 Life Event | Risk Fee applies all loans. | |||||
| Ocean (ORDE) | Emerald B Altdoc OO | 7.79% (7.87%) $1,750,000 [n/a] | 8.09% (8.17%) $1,750,000 [n/a] | 8.09% (8.15%) $1,750,000 [n/a] | 8.09% (8.19%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 0.75% | 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 acres dependent on Category. | ||||||
| Ocean (ORDE) | Ocean Emerald B OO Full Doc | 7.49% (7.58%) $1,750,000 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 990 | OO | PI | 12 mths | 30 yrs | $1,750,000 | Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only. | ||||||
| Purple (La Trobe) | Lifestyle B Altdoc OO | 8.14% (8.50%) $3,000,000 [n/a] | 8.39% (8.75%) $3,000,000 [n/a] | 8.39% (8.75%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO | PI | 12 mths | 30 yrs | $3,000,000 | 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 | 7.69% (8.05%) $3,000,000 [n/a] | 7.89% (8.24%) $3,000,000 [n/a] | 7.99% (8.34%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1% | OO | PI | 12 mths | 30 yrs | $3,000,000 | 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 | 7.59% (7.84%) $2,500,000 [Nil] | 7.59% (7.84%) $2,500,000 [Nil] | 7.64% (7.89%) $2,500,000 [Nil] | 7.69% (7.94%) $2,250,000 [Nil] | 7.74% (8.02%) $2,000,000 [0.5%] | 7.74% (8.02%) $1,750,000 [0.5%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | OO | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | ||||
| Investor | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Lifestyle B Altdoc INV | 7.99% (8.49%) $1,500,000 [1.25%] | 7.99% (8.49%) $1,250,000 [1.25%] | 7.99% (8.49%) $1,250,000 [1.25%] | 8.19% (8.69%) $1,250,000 [1.25%] | 8.19% (8.69%) $1,250,000 [1.25%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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% (8.23%) $1,500,000 [1.0%] | 7.74% (8.23%) $1,250,000 [1.0%] | 7.74% (8.23%) $1,250,000 [1.0%] | 7.94% (8.43%) $1,250,000 [1.0%] | 7.94% (8.43%) $1,250,000 [1.0%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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 [n/a] | 8.39% (8.47%) $1,750,000 [n/a] | 8.39% (8.48%) $1,750,000 [n/a] | 8.39% (8.48%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | - | 0.75% | 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 acres dependent on Category. | ||||||
| Ocean (ORDE) | Ocean Emerald B INV Full Doc | 7.79% (7.88%) $1,750,000 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 990 | INV | PI | 12 mths | 30 yrs | $1,750,000 | Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only. | ||||||
| Purple (La Trobe) | Lifestyle B Altdoc INV | 8.34% (8.70%) $3,000,000 [n/a] | 8.54% (8.90%) $3,000,000 [n/a] | 8.64% (9.00%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | INV | PI | 12 mths | 30 yrs | $3,000,000 | 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 | 7.94% (8.29%) $3,000,000 [n/a] | 8.14% (8.49%) $3,000,000 [n/a] | 8.14% (8.49%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1% | INV | PI | 12 mths | 30 yrs | $3,000,000 | Add 0.40% for Int Only. | |||||||
| Red (RedZed) | Reward B Altdoc - INV | 7.59% (7.84%) $2,500,000 [Nil] | 7.59% (7.84%) $2,500,000 [Nil] | 7.64% (7.89%) $2,500,000 [Nil] | 7.69% (7.94%) $2,250,000 [Nil] | 7.74% (8.02%) $2,000,000 [0.5%] | 7.74% (8.02%) $1,750,000 [0.5%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | - | INV | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | ||||
Full Doc
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Cabernet (ORIGIN) | C1 Flexi Home - Var | 6.80% (6.85%) $2,000,000 [N/A] | 6.80% (6.85%) $2,000,000 [N/A] | 6.80% (6.85%) $2,000,000 [N/A] | 6.80% (6.85%) $2,000,000 [N/A] | 6.80% (7.28%) $2,000,000 [1.75%] | 7.10% (7.64%) $1,750,000 [3.0%] | 22 Jan 2025 | - | 24 mths | 0.40% | $330 | OO | PI | 24 mths | 30 yrs | $2,000,000 | No monthly or annual fees for OO to 80% LVR | FREE 100% OFFSET | Risk Fee applies >75.01% | ||||
| Cabernet (ORIGIN) | C2 Flexi Home Maxima - Var | 7.30% (7.35%) $3,000,000 [N/A] | 7.30% (7.35%) $3,000,000 [N/A] | 7.30% (7.35%) $3,000,000 [N/A] | 22 Jan 2025 | - | 24 mths | 0.40% | $330 | OO | PI | 24 mths | 30 yrs | $3,000,000 | No monthly or annual fees for OO to 80% LVR | Max LVR for Interest Only = 50% LVR | | |||||||
| Cabernet (ORIGIN) | C3 NDIS - OO Var | 6.80% (7.47%) $2,000,000 [0.75] | 6.80% (7.47%) $2,000,000 [0.75] | 6.80% (7.47%) $2,000,000 [0.75] | 6.90% (7.57%) $2,000,000 [1.25] | 7.20% (7.98%) $2,000,000 [2.50%] | 22 Jan 2025 | - | 24 mths | N/A | $550 | OO, NDIS | PI | 24 mths | 25 yrs | $2,000,000 | NDIS | LPF applies to all loans | Interest Only is n/a | Max Term is 25 yrs. | |||||
| Navy (BC Invest) | Navy Prime OO FD | 6.79% (7.22%) $2,000,000 [N/A] | 6.79% (7.22%) $2,000,000 [N/A] | 6.89% (7.32%) $2,000,000 [N/A] | 6.89% (7.32%) $1,750,000 [N/A] | 7.40% (7.82%) $1,250,000 [N/A] | 7.80% (8.21%) $1,000,000 [N/A] | 14 Oct 2024 | 31 Dec 2024 | 18 mths | 0.40% | 330 | OO | PI | 24 mths | 30 yrs | $2,000,000 | App Fee Waived | Optional Offset - add 0.10% | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | 😊😊😊 | ||||
| Navy (BC Invest) | Xpat N6 OO - FD | 7.13% (7.66%) $750,000 [0.50%] | 7.23% (7.76%) $750,000 [0.50%] | 7.33% (7.87%) $750,000 [0.75%] | 14 Oct 2024 | - | - | 0.30% | 990 | OO | PI | 24 mths | 28 yrs | $750,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | App Fee incl Val fee to $440 | $499 Annual Fee | Equity Release (No Cash Out) | 😊😊 | |||||||
| Ocean (ORDE) | D1 Ocean Diamond A OO | 7.19% (7.27%) $1,750,000 [Nil] | 7.34% (7.42%) $1,750,000 [n/a] | 7.34% (7.42%) $1,750,000 [n/a] | 7.34% (7.42%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 495 | 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 | 😊😊 | ||||||
| Ocean (ORDE) | D2 Ocean Diamond Max A - OO | 7.44% (7.52%) $2,000,000 [n/a] | 7.59% (7.67%) $2,000,000 [n/a] | 7.59% (7.67%) $2,000,000 [n/a] | 21 Aug 2024 | - | - | 0.30% | 0.35% | OO | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.30% for Int Only. | |||||||
| Ocean (ORDE) | D4 Prestige A Altdoc | FD - [Capitals excl Mel & Syd] | 7.99% (8.07%) $5,000,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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) | Capital cities excluding Sydney & Melbourne | Same rates for Full Doc | | |||||||||
| Ocean (ORDE) | D4 Prestige A Altdoc | FD - [MEL SYD] | 7.99% (8.07%) $5,000,000 [n/a] | 8.54% (8.62%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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. | ||||||||
| Ocean (ORDE) | D5 Bridging - End Debt (ED) AB | 8.24% (8.40%) $4,000,000 [n/a] | 8.49% (8.65%) $4,000,000 [n/a] | 8.64% (8.80%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | Nil | 1.50% | OO, INV | IO | 12 mths | 30 yrs | $4,000,000 | 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 | Max $2.0m per security | |||||||
| Ocean (ORDE) | D6 Bridging - Nil End Debt (NED) AB | 8.24% (8.40%) $4,000,000 [n/a] | 8.49% (8.65%) $4,000,000 [n/a] | 8.64% (8.80%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | Nil | 1.50% | OO, INV | IO | 12 mths | 1 yrs | $4,000,000 | No Servicing Required | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee | Max $2.0m per security | |||||||
| Purple (La Trobe) | P1 Special OOO A FD | 7.04% (7.39%) $3,000,000 [n/a] | 7.39% (7.73%) $3,000,000 [n/a] | 7.54% (7.88%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 995 | OO | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 😊😊. | |||||||
| Purple (La Trobe) | Prime A Full Doc | 7.44% (7.79%) $3,000,000 [n/a] | 7.64% (7.99%) $3,000,000 [n/a] | 7.84% (8.18%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Can refinance ATO debt on Prime products | 😊😊. | |||||||
| Purple (La Trobe) | Prime Max A Full Doc | 7.64% (7.99%) $5,000,000 [n/a] | 8.04% (8.41%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | 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 | | ||||||||
| Purple (La Trobe) | Relocation ED (End Debt) | 8.49% (8.89%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.4% | 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) | 8.49% (8.88%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.25% | 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 | 7.84% (8.19%) $2,500,000 [n/a] | 8.04% (8.38%) $2,500,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 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 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | 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 OO | 7.09% (7.32%) $1,500,000 [Nil] | 7.29% (7.52%) $1,500,000 [Nil] | 7.39% (7.61%) $1,500,000 [Nil] | 8.24% (8.51%) $1,500,000 [1.0%] | 1 Dec 2023 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO | IO, 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 | 😊😊. | ||||||
| Red (RedZed) | SE Prime Max A - OO | 7.19% (7.42%) $2,000,000 [Nil] | 7.39% (7.61%) $2,000,000 [Nil] | 1 Dec 2023 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO | IO, 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 Maxima A - OO | 7.24% (7.42%) $2,500,000 [Nil] | 1 Dec 2023 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO | IO, PI | 24 mths | 30 yrs | $2,500,000 | Add 0.30% 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 [1.25%] | 8.39% (8.67%) $3,500,000 [1.25%] | 8.39% (8.67%) $3,500,000 [1.25%] | 15 Apr 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations. | |||||||
| Red (RedZed) | SE Prime XL Jumbo A | 7.99% (8.27%) $5,000,000 [1.25%] | 8.39% (8.67%) $5,000,000 [1.25%] | 8.39% (8.67%) $5,000,000 [1.25%] | 15 Apr 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only. | |||||||
| Investor | ||||||||||||||||||||||
| Cabernet (ORIGIN) | C1 Flexi Investor - Var | 7.10% (7.15%) $2,000,000 [0%] | 7.10% (7.15%) $2,000,000 [0%] | 7.10% (7.15%) $2,000,000 [0%] | 7.10% (7.15%) $2,000,000 [0%] | 7.10% (7.28%) $2,000,000 [2.50%] | 7.40% (7.64%) $1,750,000 [3.75%] | 22 Jan 2025 | - | 24 mths | 0.40% | $330 | INV | PI | 24 mths | 30 yrs | $2,000,000 | $395 Annual Fee. | ||||
| Cabernet (ORIGIN) | C2 Flexi Investor Maxima - Var | 7.60% (7.65%) $3,000,000 [N/A] | 7.60% (7.65%) $3,000,000 [N/A] | 7.60% (7.65%) $3,000,000 [N/A] | 22 Jan 2025 | - | 24 mths | 0.40% | $330 | INV | PI | 24 mths | 30 yrs | $3,000,000 | $395 Annual Fee. | |||||||
| Cabernet (ORIGIN) | C4 NDIS - Inv Var | 7.10% (7.80%) $2,000,000 [0.75%] | 7.10% (7.80%) $2,000,000 [0.75%] | 7.20% (7.90%) $2,000,000 [0.75%] | 7.20% (7.92%) $2,000,000 [1.25%] | 22 Jan 2025 | - | 24 mths | N/A | $550 | INV, NDIS | PI | 24 mths | 25 yrs | $2,000,000 | NDIS | LPF applies all loans| Duplex is acceptable | Interest Only is n/a | Max Term is 25 yrs. 😊😊😊 | ||||||
| Navy (BC Invest) | N1 Navy Prime INV FD | 6.95% (7.38%) $2,000,000 [N/A] | 6.95% (7.38%) $2,000,000 [N/A] | 6.95% (7.38%) $2,000,000 [N/A] | 6.95% (7.38%) $1,750,000 [N/A] | 7.40% (7.82%) $1,250,000 [N/A] | 8.20% (8.61%) $800,000 [N/A] | 14 Oct 2024 | 31 Dec 2024 | 18 mths | 0.40% | 330 | INV | PI | 24 mths | 30 yrs | $2,000,000 | $330 App Fee | Optional Free Offset | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | 😊😊😊 | ||||
| Navy (BC Invest) | N1 Navy Prime INVESTMENT PROMO FD | 6.95% (7.38%) $2,000,000 [N/A] | 6.95% (7.38%) $1,750,000 [N/A] | 14 Oct 2024 | 31 Dec 2024 | 18 mths | Nil | 330 | INV | IO, PI | 24 mths | 30 yrs | $2,000,000 | $330 App Fee | Optional Free Offset | No Interest Only Loading | Max 10ha (25 acres) | Min. 20,000 population. | Promo Expires 31 Dec 24 😊😊😊 | ||||||||
| Navy (BC Invest) | N3 Navy Freedom Non Res INV - FD | 7.49% (8.03%) $500,000 [0.50%] | 7.68% (8.24%) $500,000 [1.00%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $500,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | 😊😊 | ||||||||
| Navy (BC Invest) | N4 Navy Freedom Non Res Mid - FD | 7.98% (8.51%) $900,000 [0.50%] | 8.28% (8.83%) $900,000 [1.00%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $900,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | Melbourne & Sydney securities only. | ||||||||
| Navy (BC Invest) | N5 Navy Freedom Non Res Max - FD | 7.49% (8.03%) $1,500,000 [0.50%] | 7.68% (8.24%) $1,500,000 [1.00%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $1,500,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | | ||||||||
| Navy (BC Invest) | N6 Xpat N1 INV - FD | 7.38% (7.92%) $750,000 [0.50%] | 7.48% (8.01%) $750,000 [0.50%] | 7.58% (8.12%) $750,000 [0.75%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $750,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | App Fee incl Val fee to $440 | $499 Annual Fee | Equity Release (No Cash Out) | 😊😊 | |||||||
| Navy (BC Invest) | N7 Xpat INV Mid - FD | 7.68% (8.21%) $1,000,000 [0.50%] | 7.78% (8.31%) $1,000,000 [0.50%] | 7.88% (8.42%) $1,000,000 [0.75%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $1,000,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | App Fee incl Val fee to $440 | $499 Annual Fee | Equity Release (No Cash Out) | 😊😊 | |||||||
| Navy (BC Invest) | N8 Xpat INV Max - FD | 7.88% (8.41%) $1,500,000 [0.50%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $1,500,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | App Fee incl Val fee to $440 | $499 Annual Fee | Equity Release (No Cash Out) | Melbourne & Sydney securities only. | |||||||||
| Ocean (ORDE) | Xpat O1 INV | 7.79% (7.89%) $1,750,000 [n/a] | 21 Aug 2024 | - | - | 0.30% | 0.75% | INV | PI | - | 30 yrs | $1,750,000 | Add 0.30% for Int Only. Purchase or Refi - No Cash Out. | |||||||||
| Ocean (ORDE) | D1 Ocean Diamond A - INV | 7.49% (7.55%) $1,750,000 [n/a] | 7.64% (7.72%) $1,750,000 [n/a] | 7.64% (7.72%) $1,750,000 [n/a] | 7.64% (7.72%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 495 | 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 | 😊😊 | ||||||
| Ocean (ORDE) | D2 Ocean Diamond Max A - INV | 7.74% (7.82%) $2,000,000 [n/a] | 7.89% (7.97%) $2,000,000 [n/a] | 7.89% (7.97%) $2,000,000 [n/a] | 21 Aug 2024 | - | - | 0.30% | 0.35% | INV | PI | 24 mths | 30 yrs | $2,000,000 | Add 0.30% for Int Only. | |||||||
| Ocean (ORDE) | D4 Prestige A Altdoc | FD - [Capitals excl Mel & Syd] | 7.99% (8.07%) $5,000,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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) | Capital cities excluding Sydney & Melbourne | Same rates for Full Doc | | |||||||||
| Ocean (ORDE) | D4 Prestige A Altdoc | FD - [MEL SYD] | 7.99% (8.07%) $5,000,000 [n/a] | 8.54% (8.62%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | - | 0.50% | 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. | ||||||||
| Ocean (ORDE) | D5 Bridging - End Debt (ED) AB | 8.24% (8.40%) $4,000,000 [n/a] | 8.49% (8.65%) $4,000,000 [n/a] | 8.64% (8.80%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | Nil | 1.50% | OO, INV | IO | 12 mths | 30 yrs | $4,000,000 | 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 | Max $2.0m per security | |||||||
| Ocean (ORDE) | D6 Bridging - Nil End Debt (NED) AB | 8.24% (8.40%) $4,000,000 [n/a] | 8.49% (8.65%) $4,000,000 [n/a] | 8.64% (8.80%) $3,500,000 [n/a] | 12 Nov 2024 | - | - | Nil | 1.50% | OO, INV | IO | 12 mths | 1 yrs | $4,000,000 | No Servicing Required | 6m or 12m Terms | Max 80% Contracted; 75% Uncontracted | 1.25% App Fee | Max $2.0m per security | |||||||
| Purple (La Trobe) | Non-Resident P3 Prime FD | 7.94% (7.89%) $2,000,000 [n/a] | 8.04% (7.89%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.75% | INV | PI | 12 mths | 30 yrs | $2,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | | ||||||||
| Purple (La Trobe) | Non-Resident P4 Max Prime FD | 8.14% (7.89%) $5,000,000 [n/a] | 8.64% (7.89%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.75% | INV | PI | 12 mths | 30 yrs | $5,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | | ||||||||
| Purple (La Trobe) | Prime A Full Doc | 7.44% (7.79%) $3,000,000 [n/a] | 7.64% (7.99%) $3,000,000 [n/a] | 7.84% (8.18%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Can refinance ATO debt on Prime products | 😊😊. | |||||||
| Purple (La Trobe) | Prime Max A Full Doc | 7.64% (7.99%) $5,000,000 [n/a] | 8.04% (8.41%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | 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 | | ||||||||
| Purple (La Trobe) | Relocation ED (End Debt) | 8.49% (8.89%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.4% | 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) | 8.49% (8.88%) $2,000,000 [n/a] | 8.59% (8.98%) $2,000,000 [n/a] | 8.69% (9.08%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | Nil | 1.25% | 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 | 7.84% (8.19%) $2,500,000 [n/a] | 8.04% (8.38%) $2,500,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 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 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | 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 | 7.39% (7.61%) $1,500,000 [Nil] | 7.59% (7.81%) $1,500,000 [Nil] | 7.69% (7.91%) $1,500,000 [Nil] | 8.54% (8.80%) $1,500,000 [1.0%] | 1 Dec 2023 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | INV | IO, 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 | Xpat must work for multinational company |😊😊 | ||||||
| Red (RedZed) | SE Prime A Max - INV | 7.49% (7.71%) $2,000,000 [Nil] | 7.69% (7.91%) $2,000,000 [Nil] | 1 Dec 2023 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | INV | IO, 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 A Maxima - INV | 7.54% (7.71%) $2,500,000 [Nil] | 1 Dec 2023 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | INV | IO, PI | 24 mths | 30 yrs | $2,500,000 | Add 0.30% 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 [1.25%] | 8.39% (8.67%) $3,500,000 [1.25%] | 8.39% (8.67%) $3,500,000 [1.25%] | 15 Apr 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $3,500,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 & 2 locations. | |||||||
| Red (RedZed) | SE Prime XL Jumbo A | 7.99% (8.27%) $5,000,000 [1.25%] | 8.39% (8.67%) $5,000,000 [1.25%] | 8.39% (8.67%) $5,000,000 [1.25%] | 15 Apr 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | OO, INV | IO, PI | 24 mths | 30 yrs | $5,000,000 | Risk Fee - 1.25% | No Int Only Loading | NO ETF on residential securities | Max Cash Out = $1.5m | Cat 1 locations only. | |||||||
| NDIS | ||||||||||||||||||||||
| Cabernet (ORIGIN) | C3 NDIS - OO Var | 6.80% (7.47%) $2,000,000 [0.75] | 6.80% (7.47%) $2,000,000 [0.75] | 6.80% (7.47%) $2,000,000 [0.75] | 6.90% (7.57%) $2,000,000 [1.25] | 7.20% (7.98%) $2,000,000 [2.50%] | 22 Jan 2025 | - | 24 mths | N/A | $550 | OO, NDIS | PI | 24 mths | 25 yrs | $2,000,000 | NDIS | LPF applies to all loans | Interest Only is n/a | Max Term is 25 yrs. | |||||
| Cabernet (ORIGIN) | C4 NDIS - Inv Var | 7.10% (7.80%) $2,000,000 [0.75%] | 7.10% (7.80%) $2,000,000 [0.75%] | 7.20% (7.90%) $2,000,000 [0.75%] | 7.20% (7.92%) $2,000,000 [1.25%] | 22 Jan 2025 | - | 24 mths | N/A | $550 | INV, NDIS | PI | 24 mths | 25 yrs | $2,000,000 | NDIS | LPF applies all loans| Duplex is acceptable | 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% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Lifestyle B Full Doc OO | 7.49% (7.99%) $1,500,000 [1.0%] | 7.49% (7.99%) $1,250,000 [1.0%] | 7.49% (7.99%) $1,250,000 [1.0%] | 7.69% (8.18%) $1,250,000 [1.0%] | 7.69% (8.18%) $1,250,000 [1.0%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 990 | OO | PI | 12 mths | 30 yrs | $1,750,000 | Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only. | ||||||
| Purple (La Trobe) | Lifestyle B OO FD | 7.69% (8.05%) $3,000,000 [n/a] | 7.89% (8.24%) $3,000,000 [n/a] | 7.99% (8.34%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1% | OO | PI | 12 mths | 30 yrs | $3,000,000 | 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 | 7.44% (7.71%) $2,500,000 | 7.44% (7.71%) $2,500,000 | 7.49% (7.76%) $2,500,000 | 7.54% (7.81%) $2,250,000 | 7.59% (7.88%) $2,000,000 [0.35%] | 7.59% (7.88%) $1,750,000 [0.35%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | 0.35% | OO | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | ||||
| Investor | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Lifestyle B Full Doc INV | 7.74% (8.23%) $1,500,000 [1.0%] | 7.74% (8.23%) $1,250,000 [1.0%] | 7.74% (8.23%) $1,250,000 [1.0%] | 7.94% (8.43%) $1,250,000 [1.0%] | 7.94% (8.43%) $1,250,000 [1.0%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 990 | INV | PI | 12 mths | 30 yrs | $1,750,000 | Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only. | ||||||
| Purple (La Trobe) | Lifestyle B INV FD | 7.94% (8.29%) $3,000,000 [n/a] | 8.14% (8.49%) $3,000,000 [n/a] | 8.14% (8.49%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1% | INV | PI | 12 mths | 30 yrs | $3,000,000 | Add 0.40% for Int Only. | |||||||
| Red (RedZed) | Reward B - INV | 7.44% (7.72%) $2,500,000 | 7.44% (7.72%) $2,500,000 | 7.49% (7.77%) $2,500,000 | 7.54% (7.82%) $2,250,000 | 7.59% (7.89%) $2,000,000 [0.35%] | 7.59% (7.89%) $1,750,000 [0.35%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | 0.50% | INV | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | ||||
Fixed Rate
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Cabernet (ORIGIN) | Flexi Home OO: 1-5 Yr Fixed | 6.80% (6.84%) $2,000,000 [0%] | 6.80% (6.84%) $2,000,000 [0%] | 6.80% (6.84%) $2,000,000 [0%] | 7.10% (7.57%) $2,000,000 [1.75%] | 7.10% (7.63%) $1,750,000 [3.0%] | 22 Jan 2025 | - | 24 mths | 0.40% | $330 | OO | PI | 24 mths | 30 yrs | $2,000,000 | Nil Annual Fee to 80% LVR | Interest Only - Max 80% LVR for OO IO. | |||||
| Investor | ||||||||||||||||||||||
| Cabernet (ORIGIN) | Flexi Investor: 1-5 Yr Fixed | 7.10% (7.48%) $2,000,000 [0%] | 7.10% (7.48%) $2,000,000 [0%] | 7.10% (7.48%) $2,000,000 [0%] | 7.10% (7.48%) $2,000,000 [0%] | 7.10% (7.61%) $2,000,000 [2.50%] | 7.40% (7.96%) $1,750,000 [3.75%] | 22 Jan 2025 | - | 24 mths | 0.40% | $330 | INV | PI | 24 mths | 30 yrs | $2,000,000 | $395 Annual Fee. | ||||
1 Yr Returns
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Prime OO FD | 6.79% (7.22%) $2,000,000 [N/A] | 6.79% (7.22%) $2,000,000 [N/A] | 6.89% (7.32%) $2,000,000 [N/A] | 6.89% (7.32%) $1,750,000 [N/A] | 14 Oct 2024 | 31 Dec 2024 | 18 mths | 0.40% | 330 | OO | PI | 24 mths | 30 yrs | $2,000,000 | App Fee Waived | Optional Offset - add 0.10% | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | 😊😊😊 | ||||||
| Ocean (ORDE) | D1 Ocean Diamond A OO | 7.19% (7.27%) $1,750,000 [Nil] | 7.34% (7.42%) $1,750,000 [n/a] | 7.34% (7.42%) $1,750,000 [n/a] | 7.34% (7.42%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 495 | OO | PI | 24 mths | 30 yrs | $1,750,000 | Most recent BAS required January to June | App Fee: $495 | Add 0.30% for Int Only. | ||||||
| Purple (La Trobe) | P1 Special OOO A FD | 7.04% (7.39%) $3,000,000 [n/a] | 7.39% (7.73%) $3,000,000 [n/a] | 7.54% (7.88%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 995 | OO | PI | 12 mths | 30 yrs | $3,000,000 | $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 | 😊😊. | |||||||
| Purple (La Trobe) | Prime A Full Doc | 7.44% (7.79%) $3,000,000 [n/a] | 7.64% (7.99%) $3,000,000 [n/a] | 7.84% (8.18%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Can refinance ATO debt on Prime products | 😊😊. | |||||||
| Purple (La Trobe) | Prime Max A Full Doc | 7.64% (7.99%) $5,000,000 [n/a] | 8.04% (8.41%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | 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 | | ||||||||
| Investor | ||||||||||||||||||||||
| Navy (BC Invest) | N1 Navy Prime INV FD | 6.95% (7.38%) $2,000,000 [N/A] | 6.95% (7.38%) $2,000,000 [N/A] | 6.95% (7.38%) $2,000,000 [N/A] | 6.95% (7.38%) $1,750,000 [N/A] | 14 Oct 2024 | 31 Dec 2024 | 18 mths | 0.40% | 330 | INV | PI | 24 mths | 30 yrs | $2,000,000 | $330 App Fee | Optional Free Offset | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | 😊😊😊 | ||||||
| Navy (BC Invest) | N1 Navy Prime INVESTMENT PROMO FD | 6.95% (7.38%) $2,000,000 [N/A] | 6.95% (7.38%) $1,750,000 [N/A] | 14 Oct 2024 | 31 Dec 2024 | 18 mths | Nil | 330 | INV | IO, PI | 24 mths | 30 yrs | $2,000,000 | $330 App Fee | Optional Free Offset | No Interest Only Loading | Max 10ha (25 acres) | Min. 20,000 population. | Promo Expires 31 Dec 24 😊😊😊 | ||||||||
| Ocean (ORDE) | D1 Ocean Diamond A - INV | 7.49% (7.57%) $1,750,000 [n/a] | 7.64% (7.72%) $1,750,000 [n/a] | 7.64% (7.72%) $1,750,000 [n/a] | 7.64% (7.72%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 495 | INV | PI | 24 mths | 30 yrs | $1,750,000 | Most recent BAS required January to June | App Fee: $495 | Add 0.30% for Int Only. | ||||||
| Purple (La Trobe) | Prime A Full Doc | 7.44% (7.79%) $3,000,000 [n/a] | 7.64% (7.99%) $3,000,000 [n/a] | 7.84% (8.18%) $3,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | OO, INV | PI | 12 mths | 30 yrs | $3,000,000 | App Fee = 1.00% | Add 0.40% for Int Only with good reason for OO IO | Can use 1 yr ITR's for SE | Can refinance ATO debt on Prime products | 😊😊. | |||||||
| Purple (La Trobe) | Prime Max A Full Doc | 7.64% (7.99%) $5,000,000 [n/a] | 8.04% (8.41%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.25% | 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 | | ||||||||
Near Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Lifestyle B Full Doc OO | 7.49% (7.99%) $1,500,000 [1.0%] | 7.49% (7.99%) $1,250,000 [1.0%] | 7.49% (7.99%) $1,250,000 [1.0%] | 7.69% (8.18%) $1,250,000 [1.0%] | 7.69% (8.18%) $1,250,000 [1.0%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 7.59% (7.68%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 990 | OO | PI | 12 mths | 30 yrs | $1,750,000 | Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only. | ||||||
| Red (RedZed) | Reward B - OO | 7.44% (7.71%) $2,500,000 | 7.44% (7.71%) $2,500,000 | 7.49% (7.76%) $2,500,000 | 7.54% (7.81%) $2,250,000 | 7.59% (7.88%) $2,000,000 [0.35%] | 7.59% (7.88%) $1,750,000 [0.35%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | 0.35% | OO | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | ||||
| Investor | ||||||||||||||||||||||
| Navy (BC Invest) | Navy Lifestyle B Full Doc INV | 7.74% (8.23%) $1,500,000 [1.0%] | 7.74% (8.23%) $1,250,000 [1.0%] | 7.74% (8.23%) $1,250,000 [1.0%] | 7.94% (8.43%) $1,250,000 [1.0%] | 7.94% (8.43%) $1,250,000 [1.0%] | 19 Aug 2024 | 31 Dec 2024 | - | 0.30% | 550 | 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 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 7.89% (7.98%) $1,750,000 [n/a] | 12 Nov 2024 | - | - | 0.30% | 990 | INV | PI | 12 mths | 30 yrs | $1,750,000 | Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only. | ||||||
| Red (RedZed) | Reward B - INV | 7.44% (7.72%) $2,500,000 | 7.44% (7.72%) $2,500,000 | 7.49% (7.77%) $2,500,000 | 7.54% (7.82%) $2,250,000 | 7.59% (7.89%) $2,000,000 [0.35%] | 7.59% (7.89%) $1,750,000 [0.35%] | 22 Oct 2024 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | 0.50% | INV | PI | 12 mths | 30 yrs | $2,500,000 | $ Nil App Fee | $ Nil Risk Fee to 70% | 0.50% Risk Fee >70% | Int Only - Max 2 yrs 70% LVR for OO IO | No ETF on residential | Max 10 ha (25 acres).| | ||||
Xpat
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy (BC Invest) | Xpat N6 OO - FD | 7.13% (7.66%) $750,000 [0.50%] | 7.23% (7.76%) $750,000 [0.50%] | 7.33% (7.87%) $750,000 [0.75%] | 14 Oct 2024 | - | - | 0.30% | 990 | OO | PI | 24 mths | 28 yrs | $750,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | App Fee incl Val fee to $440 | $499 Annual Fee | Equity Release (No Cash Out) | 😊😊 | |||||||
| Purple (La Trobe) | Xpat P1 Prime FD | 7.54% (7.89%) $2,000,000 [n/a] | 7.74% (8.08%) $2,000,000 [n/a] | 7.94% (8.28%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | 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) | Xpat P2 Prime FD MAX | 7.74% (8.08%) $5,000,000 [n/a] | 8.14% (8.48%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | 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 C1 | 7.60% (8.11%) $1,500,000 [0.50%] | 7.60% (8.11%) $1,500,000 [0.50%] | 7.70% (8.23%) $1,500,000 [1.00%] | 7.70% (8.27%) $1,500,000 [1.75%] | 8.00% (8.62%) $1,500,000 [2.75%] | 8.50% (9.17%) $1,500,000 [4.00%] | 22 Jan 2025 | - | 24 mths | 0.40% | $500 | INV | PI | - | 30 yrs | $1,500,000 | Add 0.40% for Int Only | Offset available | LPF applies to all Xpat loans | Equity Release & Cash Out to 75% LVR | XPATS ONLY! 😊 | ||||
| Navy (BC Invest) | N3 Navy Freedom Non Res INV - FD | 7.49% (8.03%) $500,000 [0.50%] | 7.68% (8.24%) $500,000 [1.00%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $500,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | 😊😊 | ||||||||
| Navy (BC Invest) | N4 Navy Freedom Non Res Mid - FD | 7.98% (8.51%) $900,000 [0.50%] | 8.28% (8.83%) $900,000 [1.00%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $900,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | Melbourne & Sydney securities only. | ||||||||
| Navy (BC Invest) | N5 Navy Freedom Non Res Max - FD | 7.49% (8.03%) $1,500,000 [0.50%] | 7.68% (8.24%) $1,500,000 [1.00%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $1,500,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | $550 App Fee | $499 Annual Fee | Equity Release (No Cash Out) | | ||||||||
| Navy (BC Invest) | N6 Xpat N1 INV - FD | 7.38% (7.92%) $750,000 [0.50%] | 7.48% (8.01%) $750,000 [0.50%] | 7.58% (8.12%) $750,000 [0.75%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $750,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | App Fee incl Val fee to $440 | $499 Annual Fee | Equity Release (No Cash Out) | 😊😊 | |||||||
| Navy (BC Invest) | N7 Xpat INV Mid - FD | 7.68% (8.21%) $1,000,000 [0.50%] | 7.78% (8.31%) $1,000,000 [0.50%] | 7.88% (8.42%) $1,000,000 [0.75%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $1,000,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | App Fee incl Val fee to $440 | $499 Annual Fee | Equity Release (No Cash Out) | 😊😊 | |||||||
| Navy (BC Invest) | N8 Xpat INV Max - FD | 7.88% (8.41%) $1,500,000 [0.50%] | 14 Oct 2024 | - | - | 0.30% | 990 | INV | PI | 24 mths | 28 yrs | $1,500,000 | PAYG or Self Employed | No Clawback | No Min Size - Units | Risk Fee - all loans | App Fee incl Val fee to $440 | $499 Annual Fee | Equity Release (No Cash Out) | Melbourne & Sydney securities only. | |||||||||
| Ocean (ORDE) | Xpat O1 INV | 7.64% (7.74%) $1,750,000 [n/a] | 7.79% (7.89%) $1,750,000 [n/a] | 7.89% (7.99%) $1,750,000 [n/a] | 21 Aug 2024 | - | - | 0.30% | 0.75% | INV | PI | - | 30 yrs | $1,750,000 | Add 0.30% for Int Only. Purchase or Refi - No Cash Out. | |||||||
| Purple (La Trobe) | Non-Resident P3 Prime FD | 7.94% (7.89%) $2,000,000 [n/a] | 8.04% (7.89%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.75% | INV | PI | 12 mths | 30 yrs | $2,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | | ||||||||
| Purple (La Trobe) | Non-Resident P4 Max Prime FD | 8.14% (7.89%) $5,000,000 [n/a] | 8.64% (7.89%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 1.75% | INV | PI | 12 mths | 30 yrs | $5,000,000 | Add 0.40% for Int Only | 90% of Foreign Income Used | | ||||||||
| Purple (La Trobe) | Xpat P1 Prime FD | 7.54% (7.89%) $2,000,000 [n/a] | 7.74% (8.08%) $2,000,000 [n/a] | 7.94% (8.28%) $2,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | 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) | Xpat P2 Prime FD MAX | 7.74% (8.08%) $5,000,000 [n/a] | 8.14% (8.48%) $5,000,000 [n/a] | 16 Jan 2025 | - | Nil mths | 0.40% | 0.75% | 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. | ||||||||
| Red (RedZed) | SE Prime A INV | 7.39% (7.61%) $1,500,000 [Nil] | 7.59% (7.81%) $1,500,000 [Nil] | 7.69% (7.91%) $1,500,000 [Nil] | 8.54% (8.80%) $1,500,000 [1.0%] | 1 Dec 2023 | 29 Nov 2024 | Reduces 4.16% Mthly - 24 mths | Nil | Nil | INV | IO, 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 | Xpat must work for multinational company |😊😊 | ||||||