La Trobe Financial Home Loan Rates December 2025

Explore La Trobe Financial home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
6.34% p.a.
$3,108
Principal & Interest
Variable
$0
$995
80%
  • Investor
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Extra Repayments
  • More details
6.49% p.a.
6.75% p.a.
$3,157
Principal & Interest
Variable
$0
$995
70%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 30% Min Deposit
  • Redraw
  • More details
6.49% p.a.
7.01% p.a.
$3,157
Principal & Interest
Variable
$0
$0
80%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
7.14% p.a.
$3,374
Principal & Interest
Variable
$0
$125
75%
  • Investor
  • Variable
  • Principal & Interest
  • 25% Min Deposit
  • Extra Repayments
  • More details
7.89% p.a.
8.22% p.a.
$3,631
Principal & Interest
Variable
$0
$0
75%
  • Investor
  • Variable
  • Principal & Interest
  • 25% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
Important Information and Comparison Rate Warning

What you need to know about La Trobe Financial home loans

La Trobe Financial is a non-bank lender that's been writing mortgages since 1952. As a specialist credit provider, it focuses on solutions for borrowers who don't always fit big-bank policy, from self-employed applicants to SMSFs. With no branches, all lending is handled online or through a call centre.

You might find La Trobe Financial a good fit if you:

  • Run your own business or rely on non-standard income
    Low-doc or alt-doc loans (often called self-employed home loans) accept different forms of income verification that can better suit the likes of freelancers and business owners.

  • Want to invest in property through your super
    The lender offers SMSF residential and commercial property loans.

  • Fall just outside mainstream credit policy
    Near-prime and specialist products cater to good-quality borrowers who may have a minor credit blemish, recent immigration history, or other circumstances other banks may decline.

  • Work in the emergency services
    The lender offers a low rate home loan product to police, paramedics, and fire service personnel, as well as Defence and emergency medical services personnel.

  • You're a non-resident or expat looking to borrow to buy Australian property
    The lender's International Borrower product is tailored to those seeking to buy Australian residential property as an international citizen or Australian living abroad.

  • Don't mind paying higher-than-average rates
    The lender's home loan rates don't typically sit among the lowest available on the market, though this can be subject to change.

  • Prefer certain flexible features over other headline perks
    Core loans include a free redraw facility and allow cash-out for personal, business, or investment purposes.

  • Don't mind not having access to branches
    Mortgage applications and management are handled online, with Australia-based credit specialists available by phone during business hours.

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