Choice Non Resident Rate Tracker
From 6.48%
*Promotion Rate
About Choice Non Resident Rate Tracker
- Max LVR: 90% Standard; 70% Easy Refinance
- Max Loan Amount: $3,000,000
- PAYG, SE and Rental Income
- Retreat to the RBA's target cash rate
- Easy Refinance Special Rates Available
- 100% Offset Facility Available
Loan Purpose and Rate - Standard
Owner Occupied and Investment ≤ $3M
6.48% P&I (LVR ≤ 85%)
- Interest rate from 6.48% P.A.
- Comparison rate from 7.38% P.A.
Owner Occupied and Investment ≤ $3M
6.88% IO (LVR ≤ 85%)
- Interest rate from 6.88% P.A.
- Comparison rate from 7.78% P.A.
Loan Purpose and Rate - Easy Refinance Special* - Risk Fee Waived - Offer ends 30 Sept 2025
Owner Occupied and Investment ≤ $3M
6.48% P&I (LVR ≤ 70%)
- Interest rate from 6.48% P.A.
- Comparison rate from 7.09% P.A.
Owner Occupied and Investment ≤ $3M
6.88% (LVR ≤ 70%)
- Interest rate from 6.88% P.A.
- Comparison rate from 7.48% P.A.
Product Summary
| Security type | Residential |
| Loan Amount | $50,000 to $3,000,000 |
| Maximum LVR | 90% Standard; 70% Easy Refinance |
| Loan Term | Up to 30 Years |
| Borrower Type | Non-Residents of Australia; Salaried and Self-Employed Applicants, Trustees of a Trust |
| Loan Purpose | New Purchase, Refinance, Construction, Cash Out, Equity Release |
| Repayment Method | Direct debit from nominated bank account |
| 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 Repayments | 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
- Plus two of following:
- 6 months BAS
- 6 months Bank Statement
- Accountant Letter