From 6.54%
*Promotion Rate

About Standard Residential

Loan Purpose and Rate - Standard Full Doc

Owner Occupied
OO: 6.54% PI (LVR ≤ 80%)
INV: 7.19% PI (LVR ≤ 80%)

Loan Purpose and Rate - Standard Alt Doc

Owner Occupied
OO: 7.79% PI (LVR ≤ 80%)
INV: 8.09% PI (LVR ≤ 80%)

Product Summary

Security typeResidential
Loan Amount$100,000 to $3,500,000
Maximum LVR• Standard Full Doc: Up to 95%
• Standard Alt Doc: Up to 80%
Loan TermUp to 40 years
Borrower TypeIndividuals, Company or Trust
Loan Purpose• Purchase of an existing residential dwelling
• Home Improvement
• Refinance
• Equity Release/Cash Out
• Debt Consolidations (Up to 4 excluding ATO)
• Working capital – up to 80% LVR
Repayment MethodDirect debit from nominated bank account
Offset FacilityOptional for offset account with $395 annual fee
Interest structurePrincipal and Interest & Interest Only (Up to 5 years)
Owner Occupied (LVR ≤ 80%)6.54% P.A. (PI)
Investment (LVR ≤ 80%)7.19% P.A. (PI)
Application fee$0

Document Checklist

Income Document (PAYG)
Income Document (Self-Employed)
Income Document (Alt Doc)

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Recommended serviceability pass rate – PAYG: NDI 1.1, Self- Employed: NDI 1.2
We take 100% of existing rental income into servicing for investment property.

* 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.