11th December 2008


On behalf of the Board and our Staff, La Trobe Financial would like to wish you and your family a safe and happy Christmas and healthy and prosperous New Year.

Thank you for your continued support and custom throughout what has been a year of great change in our industry.

We look forward to funding all your lending needs with our strong balance sheet funding lines, and separately providing outstanding retail investment opportunities for your clients through the La Trobe Australian Mortgage Fund, in 2009 and beyond.

With 2009 shaping up as a year of great challenge and opportunity we have highlighted some of our key market strengths below.

  • Quick settlement times and superior customer service (talk directly to the decision makers).
  • A lender who will consider applicants with slight to moderate credit impairment to 80% LVR for both Full Doc and Lite Doc Borrowers.
  • Purchase available to 95% LVR, including First Time Buyers.
  • Strong Private Funding lines.
  • Acceptable purposes include funds for personal use, business investment, home improvements or debt consolidation.
  • Short or long term lending available.
  • Fair commission structure with no clawback or channel conflict.
  • Commercial Low Doc up to 70% LVR.
  • Competitive pricing.
  • 56 years experience in mortgage lending.
  • Refinance and cash out considered on merit.

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.

Copyright 2010 La Trobe Financial. All rights reserved. No portion of this may be reproduced, copied, or in any way reused without written permission from La Trobe Financial. Disclaimer

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