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 MAX OO | 7.79% (8.20%) $2,500,000 | 7.79% (8.20%) $2,000,000 | 7.94% (8.35%) $2,000,000 | 7.94% (8.35%) $1,750,000 | 15 May 2024 | 18 mths | OO | PI | 24 mths | 30 yrs | $2,500,000 | $ 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 | ๐๐๐ | |||||||
Navy (BC Invest) | Navy Options Altdoc OO | 7.29% (7.71%) $1,500,000 | 7.29% (7.71%) $1,500,000 | 7.44% (7.86%) $1,500,000 | 7.44% (7.86%) $1,500,000 | 15 May 2024 | 18 mths | 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 | ๐๐๐ | |||||||
Ocean (ORDE) | Bridging - End Debt (ED) AB | 8.24% (8.65%) $4,000,000 | 8.49% (8.65%) $4,000,000 | 8.64% (8.80%) $3,000,000 | 18 Apr 2024 | - | 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) | Bridging - Nil End Debt (NED) AB | 8.24% (8.65%) $4,000,000 | 8.49% (8.65%) $4,000,000 | 8.64% (8.80%) $3,000,000 | 18 Apr 2024 | - | 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 | ||||||||
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 | 4 Jun 2024 | - | 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 Max A Altdoc | 8.04% (8.34%) $5,000,000 | 8.54% (8.84%) $5,000,000 | 8.64% (8.94%) $5,000,000 | 4 Jun 2024 | - | 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 Special A Altdoc OO | 7.64% (7.95%) $2,000,000 | 7.69% (8.00%) $2,000,000 | 7.74% (8.05%) $2,000,000 | 4 Jun 2024 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 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 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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%) $2,500,000 | 8.34% (8.68%) $2,500,000 | 4 Jun 2024 | - | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (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 | 4 Jun 2024 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | ||||||||||
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 | 4 Jun 2024 | - | 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) | Acct Dec or 12 mths BAS | | ||||||||
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%) $1,500,000 | 7.49% (7.91%) $1,500,000 | 7.64% (8.06%) $1,500,000 | 7.64% (8.06%) $1,500,000 | 15 May 2024 | 18 mths | 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 | ๐๐๐ | |||||||
Navy (BC Invest) | Navy Options Altdoc MAX INV | 7.99% (8.40%) $2,500,000 | 7.99% (8.40%) $2,000,000 | 8.14% (8.55%) $2,000,000 | 8.14% (8.55%) $1,750,000 | 15 May 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $2,500,000 | $ 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 | ๐๐๐ | |||||||
Ocean (ORDE) | Bridging - End Debt (ED) AB | 8.24% (8.65%) $4,000,000 | 8.49% (8.65%) $4,000,000 | 8.64% (8.80%) $3,000,000 | 18 Apr 2024 | - | 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) | Bridging - Nil End Debt (NED) AB | 8.24% (8.65%) $4,000,000 | 8.49% (8.65%) $4,000,000 | 8.64% (8.80%) $3,000,000 | 18 Apr 2024 | - | 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 | ||||||||
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 INV | 7.84% (8.15%) $2,000,000 | 7.94% (8.24%) $2,000,000 | 8.04% (8.34%) $2,000,000 | 4 Jun 2024 | - | INV | PI | 12 mths | 30 yrs | $2,000,000 | 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 | 8.54% (8.84%) $5,000,000 | 8.64% (8.94%) $5,000,000 | 4 Jun 2024 | - | 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 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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%) $2,500,000 | 8.34% (8.68%) $2,500,000 | 4 Jun 2024 | - | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (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 | 4 Jun 2024 | - | OO, INV | PI | 12 mths | 30 yrs | $2,000,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | ||||||||||
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 | | ||||||
Navy (BC Invest) | Navy Specialist C Altdoc OO | 8.59% (8.18%) $1,500,000 | 8.80% (8.18%) $1,250,000 | 8.80% (8.18%) $1,250,000 | 9.40% (8.18%) $1,250,000 | 9.60% (8.18%) $1,250,000 | 13 Aug 2024 | 12 mths | OO | PI | 6-months | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 6 mth ABN + 6 mth GST ย | 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 | 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% (8.67%) $1,250,000 | 8.19% (8.67%) $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 MAX OO - 1 Yr Fixed | 7.84% (8.25%) $2,500,000 | 7.84% (8.25%) $2,000,000 | 7.99% (8.40%) $2,000,000 | 7.99% (8.40%) $1,750,000 | 15 May 2024 | 18 mths | OO | PI | 24 mths | 30 yrs | $2,500,000 | $ 330 App Fee | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | ๐๐๐ | |||||||
Navy (BC Invest) | Navy Options Altdoc OO - 1 Yr Fixed | 7.34% (7.76%) $1,500,000 | 7.34% (7.76%) $1,500,000 | 7.49% (7.91%) $1,500,000 | 7.49% (7.91%) $1,500,000 | 15 May 2024 | 18 mths | 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 | ๐๐๐ | |||||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Options Altdoc INV - 1 Yr Fixed | 7.54% (7.96%) $1,500,000 | 7.54% (7.96%) $1,500,000 | 7.69% (8.10%) $1,500,000 | 7.69% (8.10%) $1,500,000 | 15 May 2024 | 18 mths | 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 | ๐๐๐ | |||||||
Navy (BC Invest) | Navy Options Altdoc MAX INV - 1 Yr Fixed | 8.04% (8.45%) $2,500,000 | 8.04% (8.45%) $2,000,000 | 8.19% (8.60%) $2,000,000 | 8.19% (8.60%) $1,750,000 | 15 May 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $2,500,000 | $ 330 App Fee | Add 0.30% for Int Only | Max 10ha (25 acres) |Discount for Dual Income Verification | Acct Dec or 12 mths BAS | 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 | 4 Jun 2024 | - | 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 Full Doc | 7.44% (7.79%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.84% (8.18%) $2,000,000 | 4 Jun 2024 | - | 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 Altdoc | 8.04% (8.34%) $5,000,000 | 8.54% (8.84%) $5,000,000 | 8.64% (8.94%) $5,000,000 | 4 Jun 2024 | - | 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 | 8.04% (8.41%) $5,000,000 | 4 Jun 2024 | - | 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 |ย | |||||||||
Purple (La Trobe) | Prime Special A Altdoc OO | 7.64% (7.95%) $2,000,000 | 7.69% (8.00%) $2,000,000 | 7.74% (8.05%) $2,000,000 | 4 Jun 2024 | - | OO | PI | 12 mths | 30 yrs | $2,000,000 | 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) | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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%) $2,500,000 | 8.34% (8.68%) $2,500,000 | 4 Jun 2024 | - | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | |||||||||
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 | 4 Jun 2024 | - | 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) | Acct Dec or 12 mths BAS | | ||||||||
Purple (La Trobe) | Special OOO A FD | 7.04% (7.39%) $2,000,000 | 7.39% (7.73%) $2,000,000 | 7.54% (7.88%) $2,000,000 | 4 Jun 2024 | - | 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 INV | 7.84% (8.15%) $2,000,000 | 7.94% (8.24%) $2,000,000 | 8.04% (8.34%) $2,000,000 | 4 Jun 2024 | - | INV | PI | 12 mths | 30 yrs | $2,000,000 | 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%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.84% (8.18%) $2,000,000 | 4 Jun 2024 | - | 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 Altdoc | 8.04% (8.34%) $5,000,000 | 8.54% (8.84%) $5,000,000 | 8.64% (8.94%) $5,000,000 | 4 Jun 2024 | - | 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 | 8.04% (8.41%) $5,000,000 | 4 Jun 2024 | - | 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 |ย | |||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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%) $2,500,000 | 8.34% (8.68%) $2,500,000 | 4 Jun 2024 | - | OO, INV | PI | 12 mths | 30 yrs | $2,500,000 | 1.50% App Fee | Rural lifestyle only - no income producing securitiesย (max 100 acres)| Valuation by quote | Loadings may apply | Acct Dec or 12 mths BAS | | |||||||||
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% (8.18%) $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 Specialist C Altdoc OO | 8.59% (8.18%) $1,500,000 | 8.80% (8.18%) $1,250,000 | 8.80% (8.18%) $1,250,000 | 9.40% (8.18%) $1,250,000 | 9.60% (8.18%) $1,250,000 | 13 Aug 2024 | 12 mths | OO | PI | 6-months | 30 yrs | $1,500,000 | ATO Debt OK | Add 0.30% for IO | 6 mth ABN + 6 mth GST ย | 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 | 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 | Will accept 1 Year ITR + last 6mths BAS | 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% (8.67%) $1,250,000 | 8.19% (8.67%) $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 | Will accept 1 Year ITR + last 6mths BAS | 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 | 6.80% (6.86%) $2,000,000 | 6.80% (6.86%) $2,000,000 | 6.80% (6.86%) $2,000,000 | 6.80% (6.86%) $2,000,000 | 7.10% (7.55%) $1,750,000 | 7.10% (7.60%) $1,750,000 | 19 Jun 2024 | 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 | Risk Fee applies >75.01% | |||||
Cabernet (ORIGIN) | Flexi Home Maxima - Var | 7.30% (7.36%) $2,500,000 | 7.30% (7.36%) $2,500,000 | 7.30% (7.36%) $2,500,000 | 19 Jun 2024 | 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% (7.46%) $2,000,000 | 6.90% (7.55%) $2,000,000 | 19 Jun 2024 | 24 mths | 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 | 0.00% (0.00%) $2,500,000 | 6.79% (7.22%) $2,000,000 | 6.89% (7.32%) $1,750,000 | 7.40% (7.82%) $1,250,000 | 7.80% (8.21%) $1,000,000 | 2 Jul 2024 | 18 mths | OO | PI | 24 mths | 30 yrs | $2,500,000 | App Feeย Waived | Optional Free Offset | 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% (7.82%) $750,000 | 15 May 2024 | - | 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) AB | 8.24% (8.65%) $4,000,000 | 8.49% (8.65%) $4,000,000 | 8.64% (8.80%) $3,000,000 | 18 Apr 2024 | - | 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) | Bridging - Nil End Debt (NED) AB | 8.24% (8.65%) $4,000,000 | 8.49% (8.65%) $4,000,000 | 8.64% (8.80%) $3,000,000 | 18 Apr 2024 | - | 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 | ||||||||
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 | 7.44% (7.79%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.84% (8.18%) $2,000,000 | 4 Jun 2024 | - | 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 | 7.64% (7.99%) $5,000,000 | 8.04% (8.41%) $5,000,000 | 4 Jun 2024 | - | 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 |ย | |||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.49% (8.89%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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 | 8.04% (8.38%) $2,500,000 | 4 Jun 2024 | - | 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 | 4 Jun 2024 | - | 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 | 7.04% (7.39%) $2,000,000 | 7.39% (7.73%) $2,000,000 | 7.54% (7.88%) $2,000,000 | 4 Jun 2024 | - | 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 | 7.10% (7.66%) $2,000,000 | 7.10% (7.66%) $2,000,000 | 7.10% (7.66%) $2,000,000 | 7.10% (7.66%) $2,000,000 | 7.40% (8.00%) $1,750,000 | 7.40% (8.05%) $1,750,000 | 19 Jun 2024 | 24 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | LPF: 0.75% to 75%; 1.25% to 80%; 2.5% to 85%; 3.75% to 90%. |Add 0.40% for Int Only | $395 Annual Fee. | |||||
Cabernet (ORIGIN) | Flexi Investor Maxima - Var | 7.60% (8.15%) $2,500,000 | 7.60% (8.15%) $2,500,000 | 7.60% (8.15%) $2,500,000 | 19 Jun 2024 | 24 mths | INV | PI | 24 mths | 30 yrs | $2,500,000 | LPF: 0.75% to 75%; 1.25% to 80%; 2.5% to 85%; 3.75% 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 | 7.50% (7.85%) $1,750,000 | 8.00% (7.85%) $1,500,000 | 19 Jun 2024 | 24 mths | 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.ย ๐๐๐ | ||||||
Cabernet (ORIGIN) | NDIS Max - Inv Var | 7.60% (8.24%) $2,500,000 | 7.70% (7.85%) $2,500,000 | 7.70% (7.85%) $2,500,000 | 19 Jun 2024 | 24 mths | INV, NDIS | PI | 24 mths | 25 yrs | $2,500,000 | NDIS | LPF applies all loans| Duplex is acceptable | Interest Only is n/a | Max Term is 25 yrs.ย ๐๐๐ | ||||||||
Navy (BC Invest) | Navy Freedom Non Res INV - FD | 7.98% (8.48%) $500,000 | 7.98% (8.53%) $500,000 | 7.98% (8.56%) $500,000 | 15 May 2024 | - | INV | PI | 24 mths | 25 yrs | $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) | ๐๐ | ||||||||
Navy (BC Invest) | Navy Freedom Non Res Max - FD | 8.28% (8.78%) $1,500,000 | 8.28% (8.83%) $1,500,000 | 8.28% (8.85%) $1,500,000 | 15 May 2024 | - | 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 Freedom Non Res Mid - FD | 8.28% (8.78%) $900,000 | 8.28% (8.83%) $900,000 | 8.28% (8.85%) $900,000 | 15 May 2024 | - | INV | PI | 24 mths | 25 yrs | $900,000 | 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) | Melbourne & Sydney securities only. | ||||||||
Navy (BC Invest) | Navy Prime INV FD | 0.00% (0.00%) $2,500,000 | 6.99% (7.42%) $2,000,000 | 6.99% (7.42%) $1,750,000 | 7.40% (7.82%) $1,250,000 | 8.20% (8.61%) $1,000,000 | 2 Jul 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $2,500,000 | App Feeย Waived | Optional Free Offset | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | ๐๐๐ | ||||||
Navy (BC Invest) | Navy Xpat INV - FD | 7.43% (7.94%) $750,000 | 7.43% (7.99%) $750,000 | 7.43% (8.02%) $750,000 | 15 May 2024 | - | 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% (8.43%) $1,500,000 | 15 May 2024 | - | 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) | Melbourne & Sydney securities only. | ||||||||||
Navy (BC Invest) | Navy Xpat INV Mid - FD | 7.73% (8.24%) $1,000,000 | 7.73% (8.29%) $1,000,000 | 7.73% (8.31%) $1,000,000 | 15 May 2024 | - | 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) AB | 8.24% (8.65%) $4,000,000 | 8.49% (8.65%) $4,000,000 | 8.64% (8.80%) $3,000,000 | 18 Apr 2024 | - | 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) | Bridging - Nil End Debt (NED) AB | 8.24% (8.65%) $4,000,000 | 8.49% (8.65%) $4,000,000 | 8.64% (8.80%) $3,000,000 | 18 Apr 2024 | - | 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 | ||||||||
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 | 7.44% (7.79%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.84% (8.18%) $2,000,000 | 4 Jun 2024 | - | 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 | 7.64% (7.99%) $5,000,000 | 8.04% (8.41%) $5,000,000 | 4 Jun 2024 | - | 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 |ย | |||||||||
Purple (La Trobe) | Relocation ED (End Debt) | 8.49% (8.89%) $2,000,000 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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 | 8.59% (8.98%) $2,000,000 | 8.69% (9.08%) $2,000,000 | 4 Jun 2024 | - | 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 | 8.04% (8.38%) $2,500,000 | 4 Jun 2024 | - | 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 | 4 Jun 2024 | - | 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 | 7.50% (7.85%) $1,750,000 | 8.00% (7.85%) $1,500,000 | 19 Jun 2024 | 24 mths | 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.ย ๐๐๐ | ||||||
Cabernet (ORIGIN) | NDIS - OO Var | 6.80% (7.46%) $2,000,000 | 6.80% (7.46%) $2,000,000 | 6.90% (7.46%) $2,000,000 | 6.90% (7.55%) $2,000,000 | 19 Jun 2024 | 24 mths | 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) | NDIS Max - Inv Var | 7.60% (8.24%) $2,500,000 | 7.70% (7.85%) $2,500,000 | 7.70% (7.85%) $2,500,000 | 19 Jun 2024 | 24 mths | INV, NDIS | PI | 24 mths | 25 yrs | $2,500,000 | NDIS | LPF applies all loans| Duplex is acceptable | Interest Only is n/a | Max Term is 25 yrs.ย ๐๐๐ |
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% (8.18%) $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 | Will accept 1 Year ITR + last 6mths BAS | 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 | Will accept 1 Year ITR + last 6mths BAS | 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 | 7.40% (7.46%) $2,000,000 | 7.40% (7.46%) $2,000,000 | 7.40% (7.46%) $2,000,000 | 7.70% (8.16%) $1,750,000 | 7.70% (8.19%) $1,750,000 | 19 Jun 2024 | 24 mths | OO | PI | 24 mths | 30 yrs | $2,000,000 | Nil Annual Fee to 80% LVR (OO) | No LPF to 75% LVR (80% = 0.50% LPF; 85% = 1.75% LPF; 90% = 3.0% 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 | 7.70% (7.76%) $2,000,000 | 7.70% (7.76%) $2,000,000 | 7.70% (7.79%) $2,000,000 | 8.00% (8.06%) $2,000,000 | 8.00% (8.16%) $1,750,000 | 8.00% (8.16%) $1,750,000 | 19 Jun 2024 | 24 mths | INV | PI | 24 mths | 30 yrs | $2,000,000 | LPF: 0.75% to 75%; 1.25% to 80%; 2.5% to 85%; 3.75% to 90%. |Add 0.40% for Int Only | $395 Annual Fee. |
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 | 0.00% (0.00%) $2,500,000 | 6.79% (7.22%) $2,000,000 | 6.89% (7.32%) $1,750,000 | 2 Jul 2024 | 18 mths | OO | PI | 24 mths | 30 yrs | $2,500,000 | App Feeย Waived | Optional Free Offset | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | 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 | 7.44% (7.79%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.84% (8.18%) $2,000,000 | 4 Jun 2024 | - | 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 | 7.64% (7.99%) $5,000,000 | 8.04% (8.41%) $5,000,000 | 4 Jun 2024 | - | 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 |ย | |||||||||
Purple (La Trobe) | Special OOO A FD | 7.04% (7.39%) $2,000,000 | 7.39% (7.73%) $2,000,000 | 7.54% (7.88%) $2,000,000 | 4 Jun 2024 | - | 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. | ||||||||
Investor | ||||||||||||||||||||
Navy (BC Invest) | Navy Prime INV FD | 0.00% (0.00%) $2,500,000 | 6.99% (7.42%) $2,000,000 | 6.99% (7.42%) $1,750,000 | 2 Jul 2024 | 18 mths | INV | PI | 24 mths | 30 yrs | $2,500,000 | App Feeย Waived | Optional Free Offset | Add 0.40% for Int Only | Max 10ha (25 acres) | Min. 20,000 population. | Extensive Visa List | 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 | 7.44% (7.79%) $2,000,000 | 7.64% (7.99%) $2,000,000 | 7.84% (8.18%) $2,000,000 | 4 Jun 2024 | - | 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 | 7.64% (7.99%) $5,000,000 | 8.04% (8.41%) $5,000,000 | 4 Jun 2024 | - | 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 |ย |
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% (8.18%) $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 | Will accept 1 Year ITR + last 6mths BAS | Add 0.30% for Int Only. | |||||||
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 | Will accept 1 Year ITR + last 6mths BAS | Add 0.30% 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. |
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% (7.82%) $750,000 | 15 May 2024 | - | 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 | 7.54% (7.89%) $2,000,000 | 7.74% (8.08%) $2,000,000 | 7.94% (8.28%) $2,000,000 | 4 Jun 2024 | - | 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 | 7.74% (8.08%) $5,000,000 | 8.14% (8.48%) $5,000,000 | 4 Jun 2024 | - | 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% (8.24%) $1,750,000 | 7.55% (8.19%) $1,750,000 | 13 Jul 2024 | 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 Freedom Non Res INV - FD | 7.98% (8.48%) $500,000 | 7.98% (8.53%) $500,000 | 7.98% (8.56%) $500,000 | 15 May 2024 | - | INV | PI | 24 mths | 25 yrs | $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) | ๐๐ | ||||||||
Navy (BC Invest) | Navy Freedom Non Res Max - FD | 8.28% (8.78%) $1,500,000 | 8.28% (8.83%) $1,500,000 | 8.28% (8.85%) $1,500,000 | 15 May 2024 | - | 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 Freedom Non Res Mid - FD | 8.28% (8.78%) $900,000 | 8.28% (8.83%) $900,000 | 8.28% (8.85%) $900,000 | 15 May 2024 | - | INV | PI | 24 mths | 25 yrs | $900,000 | 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) | Melbourne & Sydney securities only. | ||||||||
Navy (BC Invest) | Navy Xpat INV - FD | 7.43% (7.94%) $750,000 | 7.43% (7.99%) $750,000 | 7.43% (8.02%) $750,000 | 15 May 2024 | - | 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% (8.43%) $1,500,000 | 15 May 2024 | - | 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) | Melbourne & Sydney securities only. | ||||||||||
Navy (BC Invest) | Navy Xpat INV Mid - FD | 7.73% (8.24%) $1,000,000 | 7.73% (8.29%) $1,000,000 | 7.73% (8.31%) $1,000,000 | 15 May 2024 | - | 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 | 7.54% (7.89%) $2,000,000 | 7.74% (8.08%) $2,000,000 | 7.94% (8.28%) $2,000,000 | 4 Jun 2024 | - | 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 | 7.74% (8.08%) $5,000,000 | 8.14% (8.48%) $5,000,000 | 4 Jun 2024 | - | 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. |