Choice Expat Rate Tracker
From 6.08%
*Promotion Rate
About Choice Expat Rate Tracker
- Max LVR: 90% Standard; 70% Easy Refinance
- Max Loan Amount: $3,500,000
- Cash Out Available
- Retreat to RBA's Target Cash Rate
- 100% Offset Facility Available
- Available for Construction & NDIS
Loan Purpose and Rate - Standard
Owner Occupied and Investment ≤ $3.5M
6.08% P&I (LVR ≤ 90%)
- Interest rate from 6.08% P.A.
- Comparison rate from 6.99% P.A.
Loan Purpose and Rate - Easy Refinance Special* - Risk Fee Waived - Offer ends 30 Sept 2025
Owner Occupied and Investment ≤ $3.5M
6.08% P&I (LVR ≤ 70%)
- Interest rate from 6.08% P.A.
- Comparison rate from 6.69*% P.A.
Product Summary
| Security type | Residential |
| Loan Amount | $50,000 to $3,500,000 |
| Maximum LVR | 90% Standard; 70% Easy Refinance |
| Loan Term | Up to 30 Years |
| Borrower Type | An Australian Citizen that does not reside in Australia, a Permanent or Temporary Resident of Australia with an Acceptable Visa or a New Zealand Citizen that does not reside in Australia or New Zealand. |
| Loan Purpose | New Pruchase, Refinance, Construction and Cash Out |
| Repayment Method | Direct debit from nominated bank account / Bpay / Pay anyone |
| Repayment Options | Principal and Interest & Interest Only (Up to 5 Years ) |
| Loan Splits | Able to split loan into more than one portion |
| Offset Facility | 100% Offset Facility available |
| Redraw Facility | Available |
| Extra Repayment | Variable Rate: Unlimited / Fixed Rate: Up to $20,000 p.a. |
Document Checklist
Income Documents (PAYG)
- Latest 2 Payslips
- Employment Letter
- 3 Months' Salary Credit
- Plus one of following if serviceability is reliant on Overtime, Allowances, Bonus Income:
- PAYG Summary
- Single Touch Payroll Summary
Income Documents (Self-Employed)
- Most recent 2 years Company Tax Returns & Financial Statements
- Most recent 2 years Personal Tax Returns & Notice of Assessment