These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
La Trobe Financial is not a bank, but a registered credit provider that offers a range of home loans for Australian borrowers. Check out the full table of La Trobe Financial products below or read more about the lender.
Compare La Trobe Financial home loans for November 2024
{"userFilters":[{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Owner-occupier","Investor"],"fields":[{"label":"Owner-occupier","value":"Owner-occupier","comparator":"contains"},{"label":"Investor","value":"Investor","comparator":"contains"}]},"dataSelector":{"recordType":"VARIANT","fieldCode":"DETAILS.LOAN_PURPOSE"},"dataType":"TEXT","label":"Loan Purpose","queryParameter":"loanpurpose","order":0},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Fixed","Variable"],"fields":[{"label":"Fixed","value":"Fixed","comparator":"contains"},{"label":"Variable","value":"Variable","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"DETAILS.PRODUCT_TYPE"},"dataType":"TEXT","label":"Loan type","queryParameter":"loantype","order":1},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["5","10","20","30","40"],"fields":[{"label":"less than 5%","value":"5","comparator":"lte"},{"label":"10%","value":"10","comparator":"eq"},{"label":"20%","value":"20","comparator":"eq"},{"label":"30%","value":"30","comparator":"eq"},{"label":"40% or more","value":"40","comparator":"gte"}]},"dataSelector":{"recordType":"VARIANT","fieldCode":"DETAILS.MIN_DEPOSIT"},"dataType":"PERCENTAGE","label":"Min. deposit","queryParameter":null,"order":2},{"componentType":"SINGLE-SELECT CHECKBOX","options":{"fields":[{"label":"Offset account","fieldCode":"FEATURES.MORTGAGE_OFFSET","comparator":"eq","value":"1"},{"label":"Redraw facility","fieldCode":"FEATURES.FACILITY_REDRAW","comparator":"eq","value":"1"},{"label":"Extra repayments","fieldCode":"FEATURES.EXTRA_PAYMENTS","comparator":"eq","value":"1"},{"label":"Cashback","fieldCode":"GENERAL.CASHBACK","comparator":"eq","value":"1"},{"label":"Finder award winner","fieldCode":"GENERAL.FINDER_AWARDS_WINNER","comparator":"eq","value":"1"}]},"dataSelector":{"recordType":"VARIANT","fieldCode":null},"dataType":null,"label":"Features","queryParameter":"features","order":3},{"componentType":"PROVIDER","options":null,"dataSelector":{"recordType":"PRODUCT","fieldCode":"GENERAL.PROVIDER_ID"},"dataType":"UUID","label":"Lender","queryParameter":null,"order":4},{"componentType":"FULL MARKET COMPARISON","options":null,"dataSelector":{"recordType":null,"fieldCode":null},"dataType":null,"label":"Finder Partners","queryParameter":null,"order":5}],"niche":{"currencySymbol":"$","decimalPoint":".","decimalPlaces":"2","thousandsSeparator":","},"prefilled":false,"experimental":false}
How do I apply for a mortgage from La Trobe Financial?
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.
Eligibility
The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.
Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with La Trobe Financial you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:
ING. This online bank is part of the global, Dutch financial group of the same name.
Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio
Richard's expertise
Richard has written 554 Finder guides across topics including:
Repay your loan faster and save thousands by finding a lender that will reduce your LMI. To find the right home loan for you, compare different loans today.
I want to pay extra money of my housing loan will I be charged extra to do so
Finder
RichardApril 18, 2023Finder
This depends on whether the loan lets you make extra repayments. This is very common on variable rate home loans but is sometimes restricted on fixed rate loans. I suggest checking with a lender directly about your specific loan.
SpirosSeptember 6, 2015
La Trobe low doc loans have a huge application fee. How can this be reduced ?
Also how much is the penalty if the loan is repaid within 12 months, 24 months or 36 months or 48 months ?
I have a house worth $500k and no debt. I have cash coming into my business of $200k in 9 months time. My accountant can verify this. My tax returns don’t show the $200k as it is a property development profit based on exchanging contracts on all the blocks of land.
Who can give me a low doc loan with a normal application fee of say $500 ?
Finder
MarcSeptember 7, 2015Finder
Hi Spiros,
Thanks for the question.
I would recommend contacting LaTrobe directly to ask about their penalty fees for paying your home loan off at different stages. You can compare other lenders who offer low doc loans and also see how this type of loan works.
I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.
I hope this helps,
Marc.
GerakdAugust 22, 2015
Hi there
Just got a quick question does pepper do loans for $300,000 10% deposit, and I have a default but its all paid off about 9 months ago,
Both me and my girlfriend putting away about 1k a week right now, an incomes annual 45k and 40k.
We are first time house buyers will that effect anything and if Pepper can’t help us do you know who could. Thank you.
BelindaAugust 24, 2015
Hi Gerakd,
Thanks for your inquiry.
You can compare a range of Pepper home loans and under ‘LVR’ (loan-to-value ratio), you will see that the amount you can borrow varies depending on the product and whether it is low documentation or a full documentation loan.
Generally, you should try to complete a 20% deposit so you can avoid paying Lender’s Mortgage Insurance (LMI), however, if this is not possible then Pepper Loans do allow you to borrow 90% LVR (with a 10% deposit) for specified home loans.
If you would like to speak with a Pepper Home Loans specialist, you can enter your details and a representative will get in touch with you to discuss your options.
As a first home buyer, you can read our first homeowner grant (FHOG) guide and learn about the grants and concessions available in your state. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Thanks,
Belinda
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
I want to pay extra money of my housing loan will I be charged extra to do so
This depends on whether the loan lets you make extra repayments. This is very common on variable rate home loans but is sometimes restricted on fixed rate loans. I suggest checking with a lender directly about your specific loan.
La Trobe low doc loans have a huge application fee. How can this be reduced ?
Also how much is the penalty if the loan is repaid within 12 months, 24 months or 36 months or 48 months ?
I have a house worth $500k and no debt. I have cash coming into my business of $200k in 9 months time. My accountant can verify this. My tax returns don’t show the $200k as it is a property development profit based on exchanging contracts on all the blocks of land.
Who can give me a low doc loan with a normal application fee of say $500 ?
Hi Spiros,
Thanks for the question.
I would recommend contacting LaTrobe directly to ask about their penalty fees for paying your home loan off at different stages. You can compare other lenders who offer low doc loans and also see how this type of loan works.
I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.
I hope this helps,
Marc.
Hi there
Just got a quick question does pepper do loans for $300,000 10% deposit, and I have a default but its all paid off about 9 months ago,
Both me and my girlfriend putting away about 1k a week right now, an incomes annual 45k and 40k.
We are first time house buyers will that effect anything and if Pepper can’t help us do you know who could. Thank you.
Hi Gerakd,
Thanks for your inquiry.
You can compare a range of Pepper home loans and under ‘LVR’ (loan-to-value ratio), you will see that the amount you can borrow varies depending on the product and whether it is low documentation or a full documentation loan.
Generally, you should try to complete a 20% deposit so you can avoid paying Lender’s Mortgage Insurance (LMI), however, if this is not possible then Pepper Loans do allow you to borrow 90% LVR (with a 10% deposit) for specified home loans.
If you would like to speak with a Pepper Home Loans specialist, you can enter your details and a representative will get in touch with you to discuss your options.
As a first home buyer, you can read our first homeowner grant (FHOG) guide and learn about the grants and concessions available in your state. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Thanks,
Belinda