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Broker Product Guide"One of Australia's broadest product ranges - financing every life stage.”

November 2019

Speed Easy Application

Good Value for MoneyNo risk or Equalisation

fees ≤ 80% LVR

No Clawbacks on your upfront

commission.

Questions to ask yourself as a broker when choosing lenders…

Automatic accreditation through your aggregator. ^ Depends on loan amount and risk grade of borrower. ** Depends on acreage. *** Interest rate loading of 0.40% p.a. applies. This document is for use by accredited La Trobe Financial loan brokers only and not for distribution to any other party. Terms, conditions, fees, charges and La Trobe Financial lending criteria apply.

P2C®Full Doc Lite Doc® SMSF Construction Rural

≤100 acresFirst Home Assistance

Aged Care

RATES FROM ^ 3.49% 4.49% 5.69% 7.29% BEFORE DROPDOWN 4.99% FROM 2.50%

SET BY PARENTS 4.90%

MAX LVR (NO

LMI APPLIES)

95%

80% no LMI80% 80% 75% 75%** 105% 50%

TERM 30 years 30 years 30 years 30 years 30 years 25 years 7 years

INTEREST

ONLY ***1-5 years 1-5 years N/A 1-5 years 1-5 years N/A 7 years

PURPOSEAny worthwhile

purpose (incl. cash out)

Any worthwhile purpose

(incl. cash out)

Purchase refinance of investment

Construction (clients with credit

impairment accepted)

Any worthwhile purpose Purchase

Refundable Accommodation

Deposit (RAD)

INCOME

ASSESSMENT

2 payslips

or financials

Accountant’s letter or Trading

Statements or BAS

80% Rental Income. SMSF Contribution Statement. Income

deemed at 3.9%

Refer to Full Doc or Lite® Doc

Refer to Full Doc or Lite® Doc

Refer to Full Doc or Lite® Doc

Refer to La Trobe Financial

MAX LOAN SIZE

$1.5M @ 80% LVR $3.0M @ 75% LVR

up to $25M @ 65% LVR on application

$1.5M @ 80% LVR $3.0M @ 75% LVR

up to $25M @ 65% LVR on application

$1.5M @ 80% LVR $3.0M @ 75% LVR

up to $25M @ 65% LVR on application

$2.5M $1.5M Up to $5M $750,000

APP FEE 0.75 – 1.50% Special $995

1.25 – 1.75% Special $995

1.25 – 1.50% Special $995 1.25 - 1.50% 0.75 – 1.50% Refer to

La Trobe Financial $2,500

CREDIT

IMPAIRMENT

LOCATION All locations considered

COMMISSION 0.50% up front & up to 0.25% trail from day 1 (no clawback) Refer to La Trobe Financial

Refer to Resi Commission

Residential LendingFlexible approach to lending

Lite Doc™Full Doc

Loans with credit impairment (eg. mortgage arrears, unlimited defaults/judgments, ATO debts, dishonoured payments etc)

caused by life events are considered.

SPECIAL - ENDING SOON

Full Doc Residential Lite Doc® Residential

Owner Occupied Owner Occupied

Up to $1.5m*** Up to $1.5m***

Credit Grade <65% <75% 80% Credit Grade <65% <75% 80%

A 3.49% 3.69% 3.89% A 4.49% 4.89% 4.99%

Purchase, Refinance, Debt Consolidation & Cash out

Purchase, Refinance, Debt Consolidation & Cash out

Up to $1.5m*** Up to $1.5m***

Credit Grade <65% 75% 80% Credit Grade <65% 75% 80%

A 3.59% 3.79% 3.99% A 4.69% 4.89% 5.09%

B 4.49% 4.69% 4.89% B 5.09% 5.39% 5.59%

C1 5.69% 6.34% 6.59% C1 5.99% 6.49% 6.99%

C2 6.19% 6.89% 7.29% C2 6.49% 6.99% 7.99%

C3 7.39% 7.79% 7.99%

>$1.5m - $2.5m >$1.5m - $2.5m

Credit Grade <65% 75% 80% Credit Grade <65% 70% 75%

A 4.79% 4.99% A 5.79% 5.99% 6.29%

B 5.79% 5.99% B 6.49% 6.69% 6.99%

C1 6.69% 6.99% C1 6.99% 7.29% 7.49%

C2 7.49% 7.69% 7.99%

>$2.5m - $25m >$2.5m - $25m

Credit Grade <65% 70% 80% Credit Grade <65% 70% 75%

A

POA

A

POAB B

C1 C1

SMSF Residential

Up to $1.5m

Credit Grade <65% 75% 80%

A 5.69% 5.79% 5.99%

B 6.49% 6.69% 6.79%

Major Regional

Credit Grade <65% 75% 80%

A 5.99% 6.49% 6.69%

B 6.49% 6.89% 6.99%

Inner-city apartments

Credit Grade <65% 75% 80%

A 5.79% 5.99%

B 6.69% 6.99%

Construction Residential

Single property construction

Up to $2.5m

Credit Grade ≤ 60% 70% 75%

A

7.29%B

C1

Rural Full Doc Residential Rural Lite Doc® Residential

Rural/residential property <100 acres

Up to $1.5m

Credit Grade <65% 75% Credit Grade <65% 75%

A 4.99% 5.49% A 5.99% 6.49%

B 5.49% 5.99% B 6.49% 6.99%

C1 6.49% 6.99% C1 6.99% 7.49%

C2 7.49% 7.99% C2 7.99% 8.49%

Australia's leadingcredit and wealth managers

13 80 10 | www.latrobefinancial.com

Speed Easy Application

Good Value for MoneyNo risk or Equalisation

fees ≤ 80% LVR

No Clawbacks on your upfront

commission.

Questions to ask yourself as a broker when choosing lenders…

Automatic accreditation through your aggregator. ^ Depends on loan amount and risk grade of borrower. ** Depends on acreage.

Lease Doc Lite Doc® SMSF Construction DevelopmentNo Presales

Rural >100 acres

RATES FROM ^ 5.59% 5.89% 5.79% 7.29% BEFORE DROPDOWN

8.99% - 10.35% 7.99%

MAX LVR (NO

LMI APPLIES)70% 70% 75% 70% 70% 55%**

TERM 25 years 25 years 25 years 25 years 1-2 years 1-5 years

INTEREST

ONLY 1-5 years 1-5 years 1-5 years 1-5 years 1-2 years 1-5 years

PURPOSE Finance leased commercial property

Any worthwhile purpose

(incl. cash out)

Purchase or refinance of investment

Commercial Construction

(single building)

Multi-unit construction

in metro locations

Any worthwhile purpose

(incl. cash out)

INCOME

ASSESSMENTFull Lease

Agreement

Accountant’s letter or Trading

Statements or BAS

80% Rental Income. SMSF Contribution Statement. Income

deemed at 3.9%

Refer to Full Doc or Lite® Doc

Accountant’s letter or Trading Statements

or BAS

Refer to Full Doc or Lite® Doc

MAX LOAN SIZE$3M @ 70% LVR

up to $25M @ 65% LVR on application

$3M @ 70% LVR up to $25M @ 65% LVR

on application

$3M @ 75% LVR up to $25M @ 65% LVR

on applicationUp to $3M

$3M @ 70% LVR up to $25M @ 65% LVR

on application

Up to $5M on application

APP FEE 1.25 – 1.75% 1.25 – 1.75% 1.25 – 1.75% 1.25 - 1.50% 1.50% 1.25 – 1.75%

CREDIT

IMPAIRMENT

LOCATION All locations considered

Commercial LendingFor applicants looking to purchase, refinance or access equity using commercial property

Loans with credit impairment (eg. mortgage arrears, unlimited defaults/judgments, ATO debts, dishonoured payments etc)

caused by life events are considered.

Lease Doc Commercial Lite Doc® CommercialPurchase, Refinance, Debt Consolidation

& Cash outPurchase, Refinance, Debt Consolidation

& Cash out

Up to $3m Up to $3m

Credit Grade 60% 65% 70% Credit Grade 60% 65% 70%

A 5.59% 5.99% 6.29% A 5.89% 6.09% 6.39%

B 5.99% 6.39% 6.69% B 6.29% 6.49% 6.79%

C1 6.99% 7.39% 7.69% C1 6.99% 7.49% 7.99%

C2 POA C2 POA

Purchase, Refinance, Debt Consolidation Purchase, Refinance, Debt Consolidation

<$3m - $25m <$3m - $25m

Credit Grade 70% Credit Grade 70%

A

POA

A

POAB B

C1 C1

C2 C2

SMSF Commercial

Purchase & Refinance

Up to $3m

Credit Grade 60% 65% 70% 75%

A 5.79% 5.99% 6.29% 6.49%

B 5.99% 6.19% 6.49% 6.99%

C1 6.49% 6.99% 7.49% 7.99%

Development Finance

Residential Multi-Construction

Up to $3m

Credit Grade 70%

A 8.99%

B 8.99%

<$3m - $25m

Credit Grade 65%

A 9.95%

B 9.95%

Commercial Multi-Construction

Up to $25m

Credit Grade 65%

A 10.35%

B 10.35%

Rural

Rural property >100 acres

Up to $5m

Credit Grade <50% 55%

A7.99%

B

C1 8.99%

Application Fees A B C1 C2 C3

Full Doc “Special” $995 n/a n/a n/a n/a

Lite Doc® “Special” 0.75% n/a n/a n/a n/a

Full Doc Res. ≤$2.5m 0.75% 0.75% 1.50% 1.50% 1.50%

Full Doc Res. >$2.5m 1.25% 1.25% 1.75% n/a n/a

Lite Doc® Res. ≤$2.5m 1.25% 1.25% 1.75% 1.75% n/a

Lite Doc® Res. >$2.5m 1.50% 1.50% 1.75% n/a n/a

SMSF - Residential $995 1.25% n/a n/a n/a

SMSF - Res. (Off the plan) $995 1.50% n/a n/a n/a

SMSF Commercial 1.25% 1.25% 1.75% n/a n/a

Residential Construction 1.25% 1.25% 1.50% n/a n/a

Development Finance 1.50% 1.50% n/a n/a n/a

Rural >100 acres 1.25% 1.25% 1.75% 1.75% n/a

Commercial 1.25% 1.25% 1.75% 1.75% n/a

Commercial lending made easy

13 80 10 | www.latrobefinancial.com

Success Story 1: Residential Full Doc – Refinance with cash outApplicants were looking to refinance their existing mortgage of $460,000 secured against their owner-occupied residential property valued at $750,000. They also needed to repay a tax debt of $80,000, additionally they required cash out of $60,000 for small home renovations and a family holiday.

Applicants also had 2 unpaid Telco and utility defaults under $1,000 listed on both credit files.

Solution provided by La Trobe FinancialLoan was approved using our Residential Full Doc product at 80% LVR under our CLEAR risk grade with the existing mortgage, tax liability and all defaults being paid as part of settlement proceeds, with the balance deposited to the borrower's bank account for their renovations and family holiday.

Success Story 2: Residential Lite® Doc – Refinance with cash outApplicants were looking to upgrade their business premises ($150,000) and raise equity to fulfil their business expansion plans ($150,000) by using equity from their owner-occupied residential property valued at $1,500,000 (with current debt $900,000).

Applicants had been operating their business as a sole trader for 3 years before changing the operating structure to a company less than a month ago.

Solution provided by La Trobe FinancialLoan was approved using our Residential Lite® Doc product at 80% LVR with income verification being achieved via an accountant’s certification and borrower repayment declaration.

Success Story 3: Residential SMSF – Purchase Applicants had recently set up a SMSF with the intention to purchase an existing 3 bedroom house, in metropolitan Melbourne, valued at $500,000.

Applicants had an existing superannuation balance of $75,000 and had each made additional contributions of $25,000 into the fund this financial year.

As the contributions were made in a lump sum rather than periodical, serviceability was looked at outside the SMSF in its own right, and was based on the company’s performance as well as the applicants’ ability to make regular contributions to their SMSF. Servicing also took into account applicants’ living expenses and personal liabilities.

Solution provided by La Trobe FinancialLoan was approved using our Residential SMSF product at 80% LVR.

Success Story 4: Residential Construction – Builder OwnerApplicant, a registered builder had previously built and sold two houses and was now seeking funding to construct an investment property in Queensland. Applicant’s credit file revealed 2 small defaults.

Applicant was able to provide a fixed price, fixed time building contract from his building company for $750,000 and already owned the land (valued at $250,000).

Solution provided by La Trobe FinancialLoan was approved using our Residential Construction product at 75% LVR (based on end value), with income verification met by an accountant’s certification and borrower repayment declaration.

Success Story 5: Commercial SMSF – Purchase Applicant operates his business from his own unencumbered commercial premises valued at $850,000.

He was advised by his financial planner to purchase the property with his SMSF and gear the property to 70% LVR with interest only payments, in turn offering the applicant access to the equity in the property in order to settle a separation agreement ($460,000) and purchase new equipment ($100,000) for further business expansion.

Solution provided by La Trobe FinancialLoan was approved using our Commercial SMSF loan product at 70% LVR.

Success Story 6: Development Finance – 4 units

The applicant, a registered builder was looking to construct 4 townhouses in a metropolitan Brisbane suburb.

A construction loan of $1,920,000 was sought by the applicant who intended to retain ownership of the properties for investment and rent them out on completion.

A building contract had been entered into for $1,300,000 to construct on land valued at $1,100,000 that had an existing mortgage of $250,000 in place.

Solution provided by La Trobe FinancialLoan was approved and construction project funded by La Trobe Financial under our Development Finance product with no further cash input from the applicants and no pre-sale requirement, allowing the developer to hold the stock on completion. Subsequently, a pre-approval was provided for the Residual Stock facility at the initial application stage.

Construction

SMSF

Development

Full Doc

Lite Doc®

Commercial

Success stories serve as examples only. Terms, conditions, fees, charges and La Trobe Financial lending criteria apply.

Success Story 7: Commercial Lease Doc – Refinance with cash out for investment

Applicants own a commercial premises valued at $1,300,000 that is leased to a retail outlet for $80,000 p.a. with 3 years remaining. They have a current debt outstanding to a major bank of $650,000 secured by this property.

Applicants are looking to access equity $260,000 total in order to purchase additional stock for their own business ($170,000) and to consolidate an outstanding ATO debt of $90,000.

Solution provided by La Trobe FinancialThe monthly rental income received covered the proposed monthly loan repayment commitment by 1.22x (ICR), and therefore Loan was approved at $910,000 (70% LVR). This also allowed for the refinance and equity release under our Commercial LeaseDoc product by simply verifying serviceability from the Lease Agreement already in place.

Success Story 8: Commercial Lite-Doc – Refinance with cash out for businessApplicants operate their business from their own commercial premises and on advice from their Accountant were seeking funding to refinance their existing commercial loan with the intention to access equity to buy additional stock in readiness for a trade fair.

Additionally, they required cash out to clear current trade debtors in order to free up business working capital and set up a debtors finance facility.

Applicant’s credit file revealed a paid default due to dispute over trade account.

Applicant’s financials had not yet been completed so income was verified via Accountant’s declaration and a borrower repayment declaration.

Solution provided by La Trobe FinancialLoan was approved under our Commercial Lite Doc product at 70% LVR under our PRIME risk grade with a 25 year loan term with no periodical reviews.

Success Story 9: Residential-Rural Full Doc

Applicants were looking to refinance their 40 acre rural residential property in the Hunter Valley.

They had incurred a credit card default of $24,000 due to their child being injured resulting in large medical bills.

Additionally they required cash out to upgrade their kitchen.

The applicants confirmed the non-income producing nature of the property and advised it was an owner occupied home with a large shed housing chickens.

Both applicants are PAYG and employed locally.

Solution provided by La Trobe FinancialLoan was approved under our Residential-Rural Full Doc product at 75% LVR with default paid as part of settlement proceeds.

Success Story 10: Parent to Child (P2C®)

Applicant and her partner wanted to purchase their first home however only had enough to cover a 5% deposit plus costs, and between them they had 3 small defaults on their credit file therefore limiting their borrowing capacity at 95% LVR with Lenders Mortgage Insurance.

The homebuyer’s parents were happy to assist their daughter and her partner however were reluctant to provide personal guarantees and wanted to protect the additional 20% they were providing.

Solution provided by La Trobe FinancialWe provided the applicants with our Residential Full Doc loan to 80% LVR (on a 1st mortgage basis), and then provided a further Parent to Child (P2C®) loan to 100% LVR utilising the parents’ 20% contribution on a peer-to-peer basis, secured by a registered 2nd mortgage to facilitate the purchase.

There were no guarantees provided by the parents, and their 20% contribution was “invested” in the La Trobe Australian Credit Fund, secured by way of a 2nd registered mortgage over the applicant’s property to protect their interest.

Success Story 11: Aged Care

Application lodged by enduring Power of Attorney (POA) who was seeking funds to place elderly mother, who was ill and living alone, into an Aged Care facility without selling the family home.

The RAD (refundable accommodation deposit) required was $660,000 and a further $70,000 cash out to complete renovations to the property in order to assist with the sale of the property at a later point in time.

The total loan required was $730,000, and the current value of the property was $1,500,000.

Solution provided by La Trobe FinancialLoan was approved using our Aged Care loan for $730,000 with interest repayments capitalising for the first five years.

Lease Doc

Rural ≤100 acres

P2C®First-Home

Commercial

Aged Care

Success StoriesSuccess stories serve as examples only. Terms, conditions, fees, charges and La Trobe Financial lending criteria apply.

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MELBOURNE • SYDNEY • SHANGHAI • HONG KONG

www.latrobefinancial.com13 80 10

All features and interest rates are current as at the date of publication and may change. This publication is for accredited broker use only and is not for distribution to consumers. La Trobe Financial Services Pty Limited ACN 006 479 527 • Australian Credit Licence 392385

La Trobe Financial Asset Management Limited • Australian Financial Services Licence 222213 • Australian Credit Licence 222213. Copyright 2019 La Trobe Financial Services Pty Limited ACN 006 479 527. All rights reserved.

No portion of this may be reproduced, copied, or in any way reused without written permission from La Trobe Financial.Terms, conditions, fees, charges and La Trobe Financial lending criteria apply.