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La Trobe Financial Residual Stock Loan

Development exit finance for developers to refinance completed but unsold residential or commercial stock, $100,000 to $50 million over up to 5 years.

Refinance & Debt ConsolidationCommercial Property FinanceDevelopment Finance
Source dated 29 Sept 2026
Amount
$100K to $50M
Term
Up to 5 yrs
Rate
From 8.24% p.a. variable
Max LVR
Up to 75%
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Product details

As published by La Trobe Financial. Details not published by the lender are marked.

Loan amount
$100K to $50M
Rate
From 8.24% p.a. variableShown on the product page as "From 8.24 % * p.a." and "Current Rate^: 8.24%" with "Interest Rate Type: Variable". No as-at date is published; figure as displayed on 2026-09-26. "^ Depends on the loan amount and risk grade of borrower." No comparison rate (shown as n/a).
Maximum LVR
Up to 75%
Rate type
Variable
Term
Up to 5 yrs
Security
Property-secured
Structure
Interest-only term loan (residual stock)
Fees
Application fee of 1.50% (excludes valuation and legal fees) · Risk fee of $0
Early repayment
Additional repayments not available; no redraw
Documents
Full or Lite Doc verification
Restrictions
For developers with completed but unsold stock. Interest-only repayments. Maximum loan amount depends on LVR (inclusive of interest budget): $15,000,000 at 75%, $25,000,000 at 70%, $50,000,000 at 65%.
How to apply
Direct with the lender, or through us
Not published by La Trobe Financial
repayment frequency, time trading, turnover, guarantees, funding time
Suitable purposes
RefinanceSomething else

About Residual Stock Loan

La Trobe Financial publishes these details for Residual Stock Loan: structure interest-only term loan (residual stock); loan amount $100K to $50M; term up to 5 yrs; security property-secured; maximum LVR up to 75%; documentation full or Lite Doc verification. Not published by La Trobe Financial for this product: time trading, turnover, funding time, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other La Trobe Financial products

  • Commercial Full Doc Loan: Structure is interest-only term loan (residual stock) here and commercial property loan for Commercial Full Doc Loan; term is up to 5 yrs here and up to 30 yrs for Commercial Full Doc Loan; documentation is full or Lite Doc verification here and last 2 payslips and employer reference, or last 2 years financials for Commercial Full Doc Loan; suitable purposes is refinance, Something else here and commercial property, Refinance for Commercial Full Doc Loan.
  • Commercial Lease Doc Loan: Structure is interest-only term loan (residual stock) here and commercial property loan for Commercial Lease Doc Loan; term is up to 5 yrs here and up to 30 yrs for Commercial Lease Doc Loan; documentation is full or Lite Doc verification here and full lease agreement for Commercial Lease Doc Loan; suitable purposes is refinance, Something else here and commercial property, Refinance for Commercial Lease Doc Loan.
  • Commercial Lite Doc Loan: Structure is interest-only term loan (residual stock) here and commercial property loan for Commercial Lite Doc Loan; term is up to 5 yrs here and up to 30 yrs for Commercial Lite Doc Loan; documentation is full or Lite Doc verification here and accountant's letter and borrower declaration for Commercial Lite Doc Loan; suitable purposes is refinance, Something else here and commercial property, Refinance for Commercial Lite Doc Loan.
  • Commercial Rural Loan: Structure is interest-only term loan (residual stock) here and commercial property loan (rural) for Commercial Rural Loan; loan amount is $100K to $50M here and $100K to $2M for Commercial Rural Loan; maximum LVR is up to 75% here and up to 55% for Commercial Rural Loan; suitable purposes is refinance, Something else here and commercial property, Refinance for Commercial Rural Loan.

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