Product Library

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 May be withdrawn at any time before a loan contract is entered into.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

Comparison Rate
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)

■ ■ ■

Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.