Interest
7.89%p.a.
Comparison*
Not available
Est. repayment
$3,631
LVR ≤65%
LaTrobe Financial Home Loan Rates
Tracked products
313
Lowest variable
6.49%
Lowest fixed
—
Lowest comparison
6.72%
Last updated
11 Sept 2026
La Trobe Financial is a major Australian non-bank lender owned by Brookfield, with origins back to 1952. Its home-loan range covers Full Doc, Lite Doc and Income Verification tiers, including SMSF, commercial and specialist construction lending most banks don't offer. A strong fit for self-employed borrowers with non-standard income evidence.
What are LaTrobe Financial home loan rates?
LaTrobe Financial home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.49% p.a., checked daily (last verified 11 Sept 2026). Compare LaTrobe Financial against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest LaTrobe Financial home loan rate?
The lowest LaTrobe Financial variable home loan rate Ratesniffers tracks is 6.49% p.a. These figures come from the 43 LaTrobe Financial products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does LaTrobe Financial offer?
Ratesniffers currently tracks 313 LaTrobe Financial home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 43 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
LaTrobe Financial home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier interest-only | 7.89% p.a. | n/a | 65% |
| Variable Investor interest-only | 7.89% p.a. | n/a | 65% |
| Variable Owner-occupier P&I | 7.79% p.a. | 8.02% p.a. | 75% |
| Variable Owner-occupier P&I | 7.79% p.a. | 8.02% p.a. | 80% |
| Variable Owner-occupier interest-only | 8.09% p.a. | n/a | 75% |
| Variable Investor interest-only | 8.09% p.a. | n/a | 75% |
| Variable Investor P&I | 7.89% p.a. | 8.12% p.a. | 75% |
| Variable Owner-occupier P&I | 7.89% p.a. | 8.12% p.a. | 75% |
| Variable Investor P&I | 7.89% p.a. | 8.12% p.a. | 75% |
| Variable Owner-occupier P&I | 7.89% p.a. | 8.12% p.a. | 75% |
| Variable Investor interest-only | 8.14% p.a. | n/a | 65% |
| Variable Investor interest-only | 8.14% p.a. | n/a | 65% |
43 of 313 tracked LaTrobe Financial home loan products
Interest
7.89%p.a.
Comparison*
Not available
Est. repayment
$3,631
LVR ≤65%
LaTrobe FinancialFull Doc Credit Grade B 65% - 75% LVR <$5m Owner Occupied P&I Special
VariableRedraw
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 65 to 75%
LaTrobe FinancialFull Doc Credit Grade B 75% - 80% LVR <$5m Owner Occupied P&I Special
VariableRedraw
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 75 to 80%
Interest
8.09%p.a.
Comparison*
Not available
Est. repayment
$3,700
LVR 65 to 75%
Interest
8.09%p.a.
Comparison*
Not available
Est. repayment
$3,700
LVR 65 to 75%
Interest
7.89%p.a.
Comparison*
8.12%p.a.
Est. repayment
$3,631
LVR 65 to 75%
Interest
7.89%p.a.
Comparison*
8.12%p.a.
Est. repayment
$3,631
LVR 65 to 75%
LaTrobe FinancialFull Doc Credit Grade B Frequent Flyer 65% - 75% LVR <$3m Investment P&I
VariableRedraw
Interest
7.89%p.a.
Comparison*
8.12%p.a.
Est. repayment
$3,631
LVR 65 to 75%
LaTrobe FinancialFull Doc Credit Grade B Frequent Flyer 65% - 75% LVR <$3m Owner Occupied P&I
VariableRedraw
Interest
7.89%p.a.
Comparison*
8.12%p.a.
Est. repayment
$3,631
LVR 65 to 75%
Interest
8.14%p.a.
Comparison*
Not available
Est. repayment
$3,718
LVR ≤65%
Interest
8.14%p.a.
Comparison*
Not available
Est. repayment
$3,718
LVR ≤65%
Interest
7.99%p.a.
Comparison*
8.22%p.a.
Est. repayment
$3,665
LVR 75 to 80%
Interest
7.99%p.a.
Comparison*
8.22%p.a.
Est. repayment
$3,665
LVR 75 to 80%
LaTrobe FinancialFull Doc Credit Grade B Frequent Flyer 75% - 80% LVR <$3m Investment P&I
VariableRedraw
Interest
7.99%p.a.
Comparison*
8.22%p.a.
Est. repayment
$3,665
LVR 75 to 80%
LaTrobe FinancialFull Doc Credit Grade B Frequent Flyer 75% - 80% LVR <$3m Owner Occupied P&I
VariableRedraw
Interest
7.99%p.a.
Comparison*
8.22%p.a.
Est. repayment
$3,665
LVR 75 to 80%
Interest
8.29%p.a.
Comparison*
Not available
Est. repayment
$3,770
LVR 65 to 75%
LaTrobe FinancialFull Doc Credit Grade B Frequent Flyer 65% - 75% LVR <$3m Investment IO
VariableRedraw
Interest
8.29%p.a.
Comparison*
Not available
Est. repayment
$3,770
LVR 65 to 75%
Interest
8.39%p.a.
Comparison*
Not available
Est. repayment
$3,806
LVR 75 to 80%
Interest
8.39%p.a.
Comparison*
Not available
Est. repayment
$3,806
LVR 75 to 80%
Interest
8.39%p.a.
Comparison*
Not available
Est. repayment
$3,806
LVR 75 to 80%
LaTrobe FinancialFull Doc Credit Grade B Frequent Flyer 75% - 80% LVR <$3m Investment IO
VariableRedraw
Interest
8.39%p.a.
Comparison*
Not available
Est. repayment
$3,806
LVR 75 to 80%
Interest
8.54%p.a.
Comparison*
Not available
Est. repayment
$3,859
LVR ≤65%
Interest
8.54%p.a.
Comparison*
Not available
Est. repayment
$3,859
LVR ≤65%
Interest
8.64%p.a.
Comparison*
Not available
Est. repayment
$3,894
LVR 65 to 75%
LaTrobe FinancialLite Doc Credit Grade B Frequent Flyer 65% - 75% LVR <$3m Investment IO
VariableRedraw
Interest
8.64%p.a.
Comparison*
Not available
Est. repayment
$3,894
LVR 65 to 75%
Interest
8.69%p.a.
Comparison*
Not available
Est. repayment
$3,912
LVR 75 to 80%
LaTrobe FinancialLite Doc Credit Grade B Frequent Flyer 75% - 80% LVR <$3m Investment IO
VariableRedraw
Interest
8.69%p.a.
Comparison*
Not available
Est. repayment
$3,912
LVR 75 to 80%
Interest
9.04%p.a.
Comparison*
Not available
Est. repayment
$4,038
LVR ≤65%
Interest
9.54%p.a.
Comparison*
Not available
Est. repayment
$4,219
LVR 65 to 75%
Interest
9.64%p.a.
Comparison*
Not available
Est. repayment
$4,255
LVR 75 to 80%
Interest
9.64%p.a.
Comparison*
Not available
Est. repayment
$4,255
LVR ≤65%
Interest
9.89%p.a.
Comparison*
Not available
Est. repayment
$4,347
LVR 65 to 75%
Interest
9.89%p.a.
Comparison*
Not available
Est. repayment
$4,347
LVR 75 to 80%
Interest
10.34%p.a.
Comparison*
Not available
Est. repayment
$4,514
LVR ≤65%
Interest
10.54%p.a.
Comparison*
Not available
Est. repayment
$4,589
LVR 65 to 75%
Interest
10.64%p.a.
Comparison*
Not available
Est. repayment
$4,626
LVR 75 to 80%
Interest
10.64%p.a.
Comparison*
Not available
Est. repayment
$4,626
LVR ≤65%
Interest
10.84%p.a.
Comparison*
Not available
Est. repayment
$4,701
LVR 65 to 75%
Interest
10.89%p.a.
Comparison*
Not available
Est. repayment
$4,720
LVR 75 to 80%
Interest
11.34%p.a.
Comparison*
Not available
Est. repayment
$4,891
LVR ≤65%
Interest
11.54%p.a.
Comparison*
Not available
Est. repayment
$4,967
LVR 65 to 75%
Interest
11.64%p.a.
Comparison*
Not available
Est. repayment
$5,005
LVR 75 to 80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Who is LaTrobe Financial?
La Trobe Financial is a diversified credit asset manager founded in 1952, with more than $20 billion under management, lending through one of Australia's oldest non-bank platforms. Global asset managers hold major stakes, with Brookfield acquiring the business in 2022.
Its home lending focuses on borrowers with complex income or circumstances, self-employed, expats, SMSF and rural among them, funded by its retail credit fund and institutional mandates rather than deposits.
Who suits a LaTrobe Financial home loan?
La Trobe tends to suit genuinely complex scenarios: self-employed with lumpy income, expatriates, rural properties and other cases that need a human credit assessment rather than a scorecard. Its rates price for that flexibility, so straightforward borrowers will usually do better with the sharpest lenders in the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
LaTrobe Financial fees, offset and limits at a glance
- Application or establishment fee
- $550
- Discharge fee
- $765
- Settlement fee
- $250
- Additional valuation fee
- $305
- Loan portability
- $750
- Minimum offset balance
- Refer to La Trobe
- Lenders mortgage insurer
- Refer to La Trobe
- Maximum total lending
- $3m maximum aggregated loan amount
- Extra repayments on fixed
- Yes, Limited to $10,000 maximum deposit in one month
- When the fixed rate is locked
- Refer to La Trobe
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
LaTrobe Financial home loans: frequently asked questions
What are LaTrobe Financial home loan rates?
LaTrobe Financial home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.49% p.a., checked daily (last verified 11 Sept 2026). Compare LaTrobe Financial against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a LaTrobe Financial balance, use /calculators/extra-repayment.
What is the lowest LaTrobe Financial home loan rate?
LaTrobe Financial's lowest variable home loan rate is currently 6.49% p.a., based on the 43 LaTrobe Financial products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate LaTrobe Financial approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 LaTrobe Financial home loan?
At LaTrobe Financial's lowest variable rate of 6.49% p.a., a $600,000 principal and interest loan over 30 years repays about $3,788 a month, and $500,000 about $3,157. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 LaTrobe Financial home loan?
There is no single salary. Like every Australian lender, LaTrobe Financial must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.49% p.a. is assessed at about 9.49% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does LaTrobe Financial's home loan rate compare to the market?
LaTrobe Financial's lowest variable home loan rate today is 6.49% p.a., which is 25 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking LaTrobe Financial to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where LaTrobe Financial sits right now rather than a fixed snapshot.
How many home loan products does LaTrobe Financial offer?
Ratesniffers currently tracks 313 LaTrobe Financial home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 43 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is LaTrobe Financial competitive for refinancing?
It depends on your loan size and LVR. LaTrobe Financial's lowest comparison rate is currently 6.72% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing LaTrobe Financial against the sharpest available rate usually pays off.
How often are LaTrobe Financial's home loan rates updated?
Ratesniffers refreshes LaTrobe Financial's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever LaTrobe Financial reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.