Choice Non Resident Rate Tracker
From 6.73%
*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
6.73% P&I (LVR ≤ 85%)
- Interest rate from 6.73% P.A.
- Comparison rate from 7.63% P.A.
Owner Occupied and Investment ≤ $3M
7.13% IO (LVR ≤ 85%)
- Interest rate from 7.13% P.A.
- Comparison rate from 8.03% P.A.
Loan Purpose and Rate - Easy Refinance Special* - Risk Fee Waived - Offer ends 30 Sept 2025
Owner Occupied and Investment ≤ $3M
6.73% P&I (LVR ≤ 70%)
- Interest rate from 6.73% P.A.
- Comparison rate from 7.34% P.A.
Owner Occupied and Investment ≤ $3M
7.13% (LVR ≤ 70%)
- Interest rate from 7.13% P.A.
- Comparison rate from 7.74% 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
Loan Calculator
* The comparison rate is based on a secured loan of $150,000 and a term of 25 years.
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.