Specialised Variable
Our Specialised Residential Loans are designed for purchase of residential property in company and company trustee entities, offering the flexibility and structure required to support tax-effective strategies and asset protection goals.
Category: Business Loans Last Updated December 6, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information Specialised Residential Loan - Variable Special. Available for lending up to 80% LVR. May be withdrawn at any time before a loan contract is entered into.
Interest Rate
5.44% PA
5.44% PA
Comparison Rate
0.00%PA*
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions..
Product Features
- Complementary Product Discounts
- Digital Banking Additional Information: Account can be viewed in online banking and transfers into the account can be conducted.
- Offset Additional Information: One 100% Mortgage Offset account is available.
- Other Additional Information: No establishment fee or mortgage documentation fee for any Specialised Residential Loan under the same entity.
- Redraw Additional Information: Available on request in branch.
Product Eligibility
- Business Additional Information: Only available to company or company trustee entity types.
Bank Fees and Charges
- Guarantee Document Fee (Upfront), Amount: 150.00. Additional Information: Document Fee - Guarantee (charged when the Bank is required to prepare a guarantee to secure the amount of credit)
- Mortgage Settlement Fee (Event), Amount: 450.00.
- Redraw Fee (Transaction), Amount: 8.00. Additional Information: Payable when redraw request is fulfilled.
- Val Fee - Propertyhub (Upfront), Amount: 50.00.
- Specialised Loan Fee (Periodic), Amount: 450.00. Additional Information: Annual fee charged on loan funding and annually on anniversary of the commencement date. If multiple loans are held, member can nominate applicable loan to be charged.
Limitations & Restrictions (Constraints)
- Max Lvr of 80.00 Additional Information: Maximum loan to valuation ratio of 80%.
- Min Limit of 10000.00 Additional Information: Minimum loan amount of $10,000.
Document Downloads
brochure-account-access-facility.pdf (322.9 KB)
brochure-fees-charges.pdf (463.1 KB)
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