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LVR options
LVR is an acronym for Loan-To-Value Ratio. The LVR is the amount you are borrowing against the property value being used as security, represented as a percentage.
La Trobe Financial Full Doc does not offer tier pricing for lower LVR. With Full Doc, you can borrow upto $95% LVR.
95%
LVR
La Trobe Financial
Repayment options
Interest only loans have traditionally been tailored to investors so they can reduce their mortgage repayments and maximise their tax benefits and overall return on investment (ROI). However, getting home loan with interest only (IO) has its place and some lenders are willing to consider your application if you can provide valid reasons.
Interest only repayment option is not available with La Trobe Financial Full Doc for refinance.
Paying pricinpal and interest
La Trobe Financial
Q&As
Does La Trobe Financial Full Doc comes with an offset account?
No, Full Doc does not come with an offset account.
While it does not have the convenient that comes with an offset account, but $Full Doc comes with a redraw facility. A redraw facility works similar to an offset account. If you put the same amount into home loan as extra repayments, your interest bill will reduce by the same amount, but still have access those extra funds if you need them later.
What are the costs to apply for La Trobe Financial Full Doc?
There is upfront costs of $995 to apply for Full Doc, with no ongoing account keeping fees.
- Application fee: $995
Are there costs when I exit or refinance to another lender?
There is no discharge fee for Full Doc. Which is a good news as most lenders charge a discharge fee range anywhere from $150 to $400 when you exit or refinance out.
IMPORTANT: Lenders change their policy from time to time so this information is current only accurate at the time that it was written. You should always check with La Trobe Financial or a mortgage broker just to be sure. This information should be used as a guide only.