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.

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