25th March 2010

Full-Doc Credit Repair

La Trobe's Full-Doc Credit Repair product is helping Australians - every day!

La Trobe's Head of Lending Iain Pepper advised during a conference this week that "La Trobe's Full-Doc Credit Repair product continues to help many Australians".

At La Trobe, we understand that many Australians will encounter a few financial hurdles along the way, possibly caused by life events such as illness, redundancy or the recent Global Financial Crisis.

We have therefore created a fully-optioned product to assist borrowers with mild credit impairment consolidate their debts, access their equity, purchase their own home or purchase investment properties.

Iain added that as a non-bank lender La Trobe is pleased to offer this product, often underserved by larger financial institutions and emphasized the flexibility of the product, in particular the cash-out policy for impaired borrowers up to 80% LVR.

Details of this great product are as follows:

Full-Doc Credit Repair
LVR 80%
Purpose Cash-out, Purchase, Refinance
& Debt Consolidation
Acceptable Impairment Up to 4 defaults <$25k total
Up to 2 Telcos <$1k total – IGNORED
Unlimited credit enquiries
Discharged bankrupts >6 mth accepted
Rate From 8.09% p.a.
(includes trail commission)4
Term Up to 40 Years P&I
(I/O options available)
Application Fee 1.00% (min. $890)
Serviceability Full-Doc

A full-doc residential loan for mildly impaired borrowers that allows unlimited cash-out up to 80% LVR with no LMI; debt consolidation; purchases and refinances whilst offering all the features of our standard home loan.

With long term funding lines in place La Trobe is well placed to continue assisting brokers growing needs for an alternative lender to the major banks.

Please call our experienced underwriters direct on 1800 707 707 or your local BDM to discuss how we can help you and your clients further.


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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