Interest
10.39%p.a.
Comparison*
10.62%p.a.
Est. repayment
$4,533
LVR 65 to 75%
LaTrobe Financial Home Loan Rates
Tracked products
313
Variable product example
6.64%
A verified LaTrobe Financial product example is Everyday Heroes Full Doc Credit Grade A 75% - 80% LVR <$3m P&I: 6.64% p.a. (6.87% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Variable example comparison
6.87%
A verified LaTrobe Financial product example is Everyday Heroes Full Doc Credit Grade A 75% - 80% LVR <$3m P&I: 6.64% p.a. (6.87% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 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?
Ratesniffers compares LaTrobe Financial home loan products by comparison rate. A verified LaTrobe Financial product example is Everyday Heroes Full Doc Credit Grade A 75% - 80% LVR <$3m P&I: 6.64% p.a. (6.87% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified LaTrobe Financial product example is Everyday Heroes Full Doc Credit Grade A 75% - 80% LVR <$3m P&I: 6.64% p.a. (6.87% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
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 23 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 Investor P&I | 10.39% p.a. | 10.62% p.a. | 75% |
| Variable Owner-occupier P&I | 10.39% p.a. | 10.62% p.a. | 75% |
| Variable Investor interest-only | 10.64% p.a. | n/a | 80% |
| Variable Investor interest-only | 10.64% p.a. | n/a | 65% |
| Variable Investor P&I | 10.44% p.a. | 10.67% p.a. | 75% |
| Variable Owner-occupier P&I | 10.44% p.a. | 10.67% p.a. | 75% |
| Variable Investor P&I | 10.49% p.a. | 10.72% p.a. | 80% |
| Variable Owner-occupier P&I | 10.49% p.a. | 10.72% p.a. | 80% |
| Variable Investor interest-only | 10.84% p.a. | n/a | 75% |
| Variable Investor interest-only | 10.89% p.a. | n/a | 80% |
| Variable Investor P&I | 10.69% p.a. | 10.92% p.a. | 65% |
| Variable Owner-occupier P&I | 10.69% p.a. | 10.92% p.a. | 65% |
23 of 313 tracked LaTrobe Financial home loan products
Interest
10.39%p.a.
Comparison*
10.62%p.a.
Est. repayment
$4,533
LVR 65 to 75%
Interest
10.64%p.a.
Comparison*
Not available
Est. interest only / month
$4,433
LVR 75 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
10.64%p.a.
Comparison*
Not available
Est. interest only / month
$4,433
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
10.44%p.a.
Comparison*
10.67%p.a.
Est. repayment
$4,551
LVR 65 to 75%
Interest
10.44%p.a.
Comparison*
10.67%p.a.
Est. repayment
$4,551
LVR 65 to 75%
Interest
10.49%p.a.
Comparison*
10.72%p.a.
Est. repayment
$4,570
LVR 75 to 80%
Interest
10.49%p.a.
Comparison*
10.72%p.a.
Est. repayment
$4,570
LVR 75 to 80%
Interest
10.84%p.a.
Comparison*
Not available
Est. interest only / month
$4,517
LVR 65 to 75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
10.89%p.a.
Comparison*
Not available
Est. interest only / month
$4,538
LVR 75 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
10.69%p.a.
Comparison*
10.92%p.a.
Est. repayment
$4,645
LVR ≤65%
Interest
10.69%p.a.
Comparison*
10.92%p.a.
Est. repayment
$4,645
LVR ≤65%
Interest
10.89%p.a.
Comparison*
11.12%p.a.
Est. repayment
$4,720
LVR 65 to 75%
Interest
10.89%p.a.
Comparison*
11.12%p.a.
Est. repayment
$4,720
LVR 65 to 75%
Interest
10.94%p.a.
Comparison*
11.17%p.a.
Est. repayment
$4,739
LVR ≤65%
Interest
10.94%p.a.
Comparison*
11.17%p.a.
Est. repayment
$4,739
LVR ≤65%
Interest
11.34%p.a.
Comparison*
Not available
Est. interest only / month
$4,725
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
11.14%p.a.
Comparison*
11.37%p.a.
Est. repayment
$4,815
LVR 65 to 75%
Interest
11.14%p.a.
Comparison*
11.37%p.a.
Est. repayment
$4,815
LVR 65 to 75%
Interest
11.24%p.a.
Comparison*
11.47%p.a.
Est. repayment
$4,853
LVR 75 to 80%
Interest
11.24%p.a.
Comparison*
11.47%p.a.
Est. repayment
$4,853
LVR 75 to 80%
Interest
11.54%p.a.
Comparison*
Not available
Est. interest only / month
$4,808
LVR 65 to 75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
11.64%p.a.
Comparison*
Not available
Est. interest only / month
$4,850
LVR 75 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*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 $25 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 13 September 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 8 Oct 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?
Ratesniffers compares LaTrobe Financial home loan products by comparison rate. A verified LaTrobe Financial product example is Everyday Heroes Full Doc Credit Grade A 75% - 80% LVR <$3m P&I: 6.64% p.a. (6.87% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare LaTrobe Financial at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest LaTrobe Financial home loan rate?
A verified LaTrobe Financial product example is Everyday Heroes Full Doc Credit Grade A 75% - 80% LVR <$3m P&I: 6.64% p.a. (6.87% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 LaTrobe Financial home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,848 a month before fees. The selected source example is Everyday Heroes Full Doc Credit Grade A 75% - 80% LVR <$3m P&I: 6.64% p.a. (6.87% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 LaTrobe Financial home loan?
There is no single salary requirement for a LaTrobe Financial home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish LaTrobe Financial's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does LaTrobe Financial's home loan rate compare to the market?
Compare LaTrobe Financial's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
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 23 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?
Compare LaTrobe Financial's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are LaTrobe Financial's home loan rates updated?
Ratesniffers refreshes LaTrobe Financial's home loan rates daily; this page was last updated 1 November 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.