La Trobe Financial

La Trobe Financial offers residential and commercial property loans. Its residential range covers owner-occupied or investment loans, self-employed loans, construction loans, residential SMSF loans, the Everyday Heroes Loan, bridging loans, international borrower loans and rural residential loans.

The Owner-Occupied or Investment Full Doc loan is for borrowers who can provide full income verification, with a $100,000 minimum loan, a maximum LVR of 80%, terms of up to 30 years, interest only periods of up to 5 years and a free redraw facility. Its application fee starts from $995, excluding valuation and legal fees.

Commercial loans are designed for PAYG and self-employed borrowers and come as Full Doc, Lite Doc and Lease Doc loans, along with SMSF, development, rural and residual stock loans. Lease Doc loans use rental income from the commercial property as the primary income verification, and commercial rural loans are for non-metro properties over 100 acres used for business purposes.

La Trobe Financial lends to owner occupiers, investors and self-employed borrowers. Self-employed borrowers can use a Full Doc loan with two years of financials, or a Lite Doc loan that accepts an accountant's letter, trading statements or BAS and lends up to 80% LVR without lenders mortgage insurance.

Its FAQs say it may be able to help borrowers who are short-term self-employed, have listed defaults or court judgments on their credit file (at its discretion), have recently been discharged from bankruptcy, or have recently arrived in Australia or are non-residents. Terms, conditions, fees, charges and lending criteria apply.

Other residential loans target specific borrowers. Residential SMSF loans refinance existing residential property held in a self-managed super fund, the Everyday Heroes Loan offers discounted pricing to eligible police, fire and emergency services, Australian Defence Force and emergency medical services personnel, secured by an owner occupied home, and international borrower loans cater to eligible non-residents and expatriates.

La Trobe Financial loans can be arranged through a broker or directly. Its website asks borrowers to talk to their finance professional and ask them to contact La Trobe Financial, or to apply directly through its Express Enquiry Form, after which a lending consultant calls back. Its FAQs also mention an online application form and printable forms in its Forms Library.

La Trobe Financial says its advisors can provide an initial loan approval within 24 hours, subject to its usual lending assessment criteria. It is not an authorised deposit-taking institution and describes itself as a licensed credit provider operating in every state and territory.

La Trobe Financial was founded in 1952 by Ray O'Neill and describes itself as an alternative asset manager as well as a lender, with offices in Melbourne and Sydney. Its website footer names La Trobe Financial Services Pty Limited (Australian Credit Licence 392385) and La Trobe Financial Asset Management Limited, the responsible entity of the La Trobe Australian Credit Fund.

In April 2026 La Trobe Financial welcomed Axight, an Abu Dhabi-based private equity investment manager, as a minority shareholder. Its announcement described this as Brookfield's decision to introduce Axight as a minority shareholder.