11 March 2014

Try our Residential Range

La Trobe Financial has established a real name for itself in recent years with its Commercial loan product range, but our Residential loan products have led La Trobe Financial’s success throughout the 60 years we have been in business.

Through all that time La Trobe Financial has dedicated itself to long term residential loans meeting the needs of specialised or near-prime borrowers. In the last 10 years alone we have lent $5.0 billion to borrowers and this has primarily been long term residential loan products.

Today our product range continues to target the consistent needs of our brokers and borrowers in residential near prime lending whilst regularly moving to meet the evolving needs of our customers. As always we lead our products with a Credit Team process designed for ease and speed of dealing for Brokers - optimising Brokers’ efficiency in providing product solutions to their customers.

Our most popular Residential products are presently:

  • 100% Cash Out on Lite (low) Doc, with no LMI to 80% LVR (6.99%)
  • Credit Repair on Lite (low) Doc, with no LMI to 80%, up to 3 life events (from 6.99%)
  • Self Managed Super Fund loans for residential assets (5.60%)
  • Residential construction loans (from 7.59%)
  • Large ($2.0m+) metro residential loans (from 7.99%)

To add to these profiles, La Trobe Financial does not charge a Risk Fee and has no Clawback Fees.

Our specialised product range also extends beyond these market leading products – our personalised and highly experienced underwriting process and our diversified funding allow us to say yes to specialised proposals that meet and reach beyond typical residential offerings. Often we also find success is the result of providing “one extra” required product characteristic that, in combination with the remaining profile, beats the market.

La Trobe Financial both meets the market on common products and truly differentiates beyond to be a sole solution provider. Through our flexible product range and emphasis on speed of dealing, La Trobe Financial successfully settles major loan volumes for a regular clientele of Brokers and Mortgage Managers.

If you have a need that you think we may be missing please discuss it with us and see if we can respond; our Credit Analyst Team is trained and empowered to provide you prompt answers on many potential scenarios.

If you haven’t had the opportunity to try our Residential product range then you are missing one of Australia’s leading exponents of specialised long term residential lending. We find that typically new referring partners, after a number of dealing experiences, make specific comment to us on the ‘can do’ helpfulness of our staff and the ease in taking a loan from referral all the way to settlement. This is our benchmark objective and the root of our success in a relationship based industry.

Mark Haron, CEO Connective recently provided a similar, kind endorsement:

"La Trobe exemplifies exactly what a specialist lender should be. They don't just take another bank or lender's funding and policies and rebadge them, they are not another "me too" lender. They really have a point of difference with their policies and service and Connective is proud to be associated with La Trobe and its wonderful people."

We are presently in the process of making sure we talk directly to a lot more of Australia’s brokers, reinforcing our leading product profile and would be delighted to have the opportunity to meet your residential lending solution requirements. To discuss your needs please contact our dedicated Sales Team direct on 1800 707 707, or contact our state based Distribution Team members, profiled in this Newsletter.

... That's Lending

Best regards,
Paul Wells, Chief Investment Officer
La Trobe Financial Asset Management Limited

La Trobe Financial is one of Australia's leading independent credit specialist Fund Managers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australia's largest Mortgage Funds under AFSL 222213. It employs over 123 staff and has managed over AUD$10Billion covering over 100,000 investment grade assets since inception in 1952.

Copyright 2013 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

The following awards and ratings were given to the Pooled Mortgage Option within the La Trobe Financial Mortgage Fund and may be viewed on our website

Ratings And Awards

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Please Note: This publication is for accredited broker use only and is not for distribution to consumers.

^ Depends on risk grade of Borrower

All loan applications are fully assessed to ensure the loan is not unsuitable and that we meet our responsible lending obligations in accordance with our usual underwriting requirements. All features and interest rates are current as at the date of publication. Conditions, fees and charges apply. 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. The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund, and may be lower than expected. Investors risk losing some or all of their principal investment. The investment is not a bank deposit.

La Trobe Financial Services Pty Limited - Australian Credit Licence Number: 392385
La Trobe Financial Asset Management Limited - Australian Credit Licence Number: 222213

Terms, conditions, fees, charges and La Trobe Financial lending criteria apply.

1. Zenith's "recommended" rating indicates that it has high confidence in the manager meeting its objectives. The Zenith Investment Partners ("Zenith") ABN 60 332 047 314 rating referred to in this document is limited to "General Advice" (as defined by section 766B of Corporations Act 2001) and based solely on the assessment of the investment merits of the financial product on this basis. It is not a specific recommendation to purchase, sell or hold the relevant product(s), and Zenith advises that individual investors should seek their own independent financial advice before investing in this product. To view the relevant research information, please visit www.latrobefinancial.com.au The rating is subject to change without notice and Zenith has no obligation to update this document following publication. Zenith usually receives a fee for rating the fund manager and product against accepted criteria considered comprehensive and objective.
2. SQM Research - 4 stars to 4.25 stars - superior, suitable for inclusion on most Approved Product Lists. To view the relevant research information, please visit www.latrobefinancial.com.au This rating will not take into account your, or your clients' objectives, financial situation or needs. It is up to investors to consider whether specific financial products are suitable for your objectives, financial situation or needs. Research houses receive a fee from La Trobe Financial for rating the product.
3. Lipper Leaders Rating Total Return (Score – 5) Lipper Ratings for Total Return reflect funds’ historical return performance relative to peers. The ratings are subject to change every month. The highest 20% of funds in each peer group are named Lipper Leader or a score of 5 for Total Return. Lipper Leader ratings are not intended to predict future results and does not guarantee the accuracy of this information. More information is available at www.lipperweb.com. Thomson Reuters Copyright, All Rights Reserved.
4. Australia Ratings (AFSL 346138) makes every effort to ensure the reliability of the views and rankings expressed in its reports and those published on its websites. Australia Ratings research is based upon information known to it or which was obtained from sources it believed to be reliable and accurate at time of publication. However, like the markets, it is not perfect. This report is prepared for general information only, and as such, the specific needs, investment objectives or financial situation of any particular user have not been taken into consideration. Individuals should therefore discuss, with their financial planner or advisor, the merits of each rating for their own specific circumstances and realise that not all investments will be appropriate for all subscribers. To the extent permitted by law, Australia Ratings and its employees, agents and authorised representatives exclude all liability for any loss or damage (including indirect, special or consequential loss or damage) arising from the use of, or reliance on, any information within the report whether or not caused by any negligent act or omission. If the law prohibits the exclusion of such liability, Australia Ratings hereby limits its liability, to the extent permitted by law, to the resupply of the said information or the cost of the said resupply.