30th August 2007

Interest Rate Update

Following the Reserve Bank of Australia ("RBA") decision to increase official interest rates by 0.25% La Trobe has made changes to its rates. These changes are detailed below:
(all rates shown are %p.a.)

Housing Loans - Full Doc

Product Old Rate Change New Rate
Disc Variable 6 months 6.19 +0.15 6.34
Disc Variable 12 months 7.19 +0.15 7.34
Variable 8.14 +0.25 8.39
1 Year Fixed 7.80 +0.17 7.97
2 Year Fixed 7.75 +0.24 7.99
3 Year Fixed 7.89 +0.10 7.99
4 Year Fixed 7.99 +0.05 8.04
5 Year Fixed 8.15 -0.11 8.04


Housing Loans - Lite Doc

Product Old Rate Change New Rate
Variable 8.50 +0.25 8.75
1 Year Fixed 8.25 +0.22 8.47
2 Year Fixed 8.35 +0.14 8.49
3 Year Fixed 8.39 +0.10 8.49
4 Year Fixed 8.39 +0.15 8.54
5 Year Fixed 8.50 +0.04 8.54


Diminished Credit

Product Old Rate Change New Rate
Variable 9.25 +0.25 9.50
1 Year Fixed 8.90 +0.00 8.90
2 Year Fixed 9.10 -0.16 8.94
3 Year Fixed 9.14 -0.20 8.94
4 Year Fixed 9.14 -0.10 9.04
5 Year Fixed 9.25 -0.21 9.04


Commercial & Non-Conforming

Product Old Rate Change New Rate
Variable from 9.25 +0.25 from 9.50
1 Year Fixed from 9.15 +0.10 from 9.25
2 Year Fixed from 9.35 +0.10 from 9.45


Second Mortgages

Product Old Rate Change New Rate
Variable from 12.00 +1.00 from 13.00
1 Year Fixed from 15.00 +0.50 from 15.50

Please note our new product – BizLite, which is available to sophisticated Property Investors only, requires the specific repayment declaration, BizLite. Our former NINA75 declaration will be accepted until September 1, 2007.


Best regards
Iain Pepper




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Iain Pepper
Head of Lending

Iain Pepper is a Vice-President and the Head of Lending for the La Trobe Group.Read full profile here.








La Trobe is one of Australia's leading independent specialist mortgage Financiers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australia's largest Mortgage Funds under AFSL 222213. It employs over 145 staff and has raised over AUD$10Billion to assist over 100,000 customers since inception in 1952.

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IMPORTANT: This message, together with the La Trobe Financial website (www.latrobefinancial.com.au) and all its contents have been prepared for general information only and should not be taken as legal or financial advice, and as such the specific needs, investment objectives or financial situation of any particular user have not been taken into consideration. Individuals should therefore talk with their financial planner or advisor before acting on any information present on this message or the La Trobe website. La Trobe Financial Asset Management Limited ABN: 27 007 332 363 and AFSL No: 222213 is the issuer and manager of the La Trobe Australian Mortgage Fund. It is important for you to read the Product Disclosure Statement for the Fund before you make any investment decision. You can get a copy of the PDS by calling 1800 818 818. You should consider carefully whether or not investing in the Fund is appropriate for you. (1) The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund, and may achieve lower than expected returns. Investors risk losing some or all of their principal investment. (2) The rating report is available on the La Trobe website or upon request. The rating is only one factor to be taken into account in deciding to invest. (3) Withdrawal rights are subject to liquidity and may be delayed or suspended. (4) Rates (where shown) are indicative and for information purposes only and must be confirmed by your La Trobe loan manager upon formal application. Rates are subject to change. Please refer to http://www.latrobefinancial.com.au for full comparison rate schedule