Home Loan — Specialist (Prime / Near Prime / Specialist)

Outlook Specialist Variable

For borrowers who need flexibility — past credit events, complex structures, vacant land, or generous LVRs.

From 6.34% p.a. variable

Max LVR

85% (Vacant land 60%)

Min loan

$100,000

Max loan

$5,000,000 Metro / $1.5m Non-metro

Loan term

Up to 30 years

Documents required (minimum)

  • Photo ID
  • Full Doc: 2 years personal & business tax returns
  • Alt Doc: Accountant letter, BAS, or 6 months business bank statements
  • Last 6 months personal bank statements
  • Existing mortgage statements (if refinancing)
  • Written explanation of any past credit events
  • Trust deed if borrowing through a trust

Rates

Tier<=60%<=65%<=70%<=75%<=80%<=85%Doc Type
Prime · Full Doc6.34%6.69%6.79%6.89%6.99%7.49%—
Near Prime · Full Doc6.99%7.44%7.54%7.64%7.74%——
Specialist · Full Doc7.74%8.19%8.29%8.39%———
Prime · Alt Doc6.79%6.79%6.79%6.89%6.99%7.79%Alt Doc
Near Prime · Alt Doc7.54%7.54%7.54%7.64%7.74%—Alt Doc
Specialist · Alt Doc8.29%8.29%8.29%8.39%——Alt Doc

Fees & Charges

Application fee$990
ValuationStandard from $400 (extra for non-metro / commercial / multiple)
Settlement fee$599 (deducted at settlement)
Legal feeFrom $350 (ex GST) + disbursements (SMSF from $750)
Annual fee$15 per month
Discharge fee$500
Early repayment1.5% of original loan if paid within first 3 years (unregulated only). SMSF: $2,500.

Additional information

Vacant Land: Full Doc 7.74% / Alt Doc 8.29% (LVR ≤ 60%, max $2.5m, 1.0% risk fee).

95% LVR No LMI (Generate): First mortgage 0-80% LVR @ 6.60% + 1.50% risk fee + Second mortgage 80-95% LVR @ 12.00%. Or 95% inclusive with first @ 7.35% + second @ 13.00% (no risk fee).

Loan repayment calculator

Default rate is the headline rate for this product. Adjust loan amount and term to estimate your repayment.

Monthly repayment

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Total interest

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Total cost

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Estimate based on principal & interest repayments at the rate shown. Excludes fees, charges, and government costs. Talk to a broker for a personalised quote.

Rates subject to change. The rates and fees on this page are indicative only and may change without notice. For a personalised rate including all fees and charges, please contact Outlook Finance.
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