Outlook Finance · ACL 418711

Current Rates & Fees

Indicative rates and fees across our home loan and asset finance products.

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Current Rates & Fees

Last updated: 15 May 2026 · refreshed monthly

Outlook Standard Variable

Max LVR: 80% (no LMI capitalisation), 95% via WLTH/Ocean LMI split · Loan size: $100,000 – $15,000,000 (POA over $2.5m) · Term: Up to 30 years

TierP&I rate p.a.IO rate p.a.Comparison rate p.a.
≤70% — Owner Occupied6.49%6.79%6.52%
≤70% — Investment7.14%7.54%7.17%
≤80% — Owner Occupied6.59%—6.62%
≤80% — Investment7.34%7.64%7.37%
  • Loans > $2.5m: +0.50% p.a. and 0.50% risk fee
  • Loans > $3.5m: +1.00% p.a. and 1.25% risk fee
  • Jumbo loans to $15m by negotiation

Fees

Application
$0
Settlement
$330
Legal
At cost (~$435) plus disbursements
Valuation
At cost
Offset
$15/month (optional 100% offset)
Discharge
$550 plus lender legal
Annual
$0

Refer to current Brighten Empower Prime rate card for exact pricing on loans over $2.5m.

→ See Standard Home Loan details

Outlook Standard Near-Prime Variable

Max LVR: 80% · Loan size: $100,000 – $2,500,000 · Term: Up to 30 years

TierP&I rate p.a.IO rate p.a.Comparison rate p.a.
≤70% — Owner Occupied7.23%7.83%7.26%
≤70% — Investment7.58%7.88%7.61%
≤80% — Owner Occupied7.73%—7.88%
≤80% — Investment7.98%8.28%8.13%
  • Loans > $2m: +0.50% p.a.
  • ≤80% LVR adds 1.00% risk fee (capitalisable)

Fees

Application
$0
Settlement
$330
Legal
At cost (~$435)
Valuation
At cost
Discharge
$550 plus lender legal
Annual
$0

For credit-impaired borrowers who do not meet prime criteria.

→ See Specialist Lending overview

Outlook Self-Employed Premium

Max LVR: 80% · Loan size: $100,000 – $2,500,000 · Term: Up to 30 years

TierP&I rate p.a.IO rate p.a.Comparison rate p.a.
≤70% — Owner Occupied7.09%7.24%7.17%
≤70% — Investment7.29%7.54%7.37%
≤80% — Owner Occupied7.14%—7.22%
≤80% — Investment7.39%7.64%7.47%
  • Loans > $2.5m: +0.50% p.a. and 0.50% risk fee
  • Loans > $3.5m: +1.00% p.a. and 1.25% risk fee

Fees

Application
$660
Settlement
$330
Legal
At cost (~$435)
Valuation
At cost
Offset
$15/month (optional 100% offset)
Discharge
$550 plus lender legal
Annual
$0

Alt Doc — acceptable income verification: 6 months BAS + 6 months bank statements, or accountant letter.

→ See Low Doc Home Loans

Outlook Self-Employed Near-Prime

Max LVR: 80% · Loan size: $100,000 – $2,500,000 · Term: Up to 30 years

TierP&I rate p.a.IO rate p.a.Comparison rate p.a.
≤65% — Owner Occupied7.59%7.99%7.67%
≤65% — Investment7.84%7.99%7.92%
≤70% — Owner Occupied7.59%7.99%7.73%
≤75% — Owner Occupied8.24%—8.44%
≤80% — Owner Occupied8.24%—8.73%
≤80% — Investment8.49%8.79%8.73%
  • Risk fee: 0% at ≤65%, 0.5% at ≤70%, 1.0% at ≤75%, 1.25% at ≤80% (capitalisable)
  • Loans > $2m: +0.50% p.a.

Fees

Application
$660
Settlement
$330
Legal
At cost (~$435)
Valuation
At cost
Discharge
$550 plus lender legal
Annual
$0

Alt Doc for borrowers with one or two minor credit blemishes (paid defaults under $1,000, etc.).

→ See Low Doc Home Loans

Outlook Smart Saver Variable

Max LVR: 95% (up to 85% for Investment Interest Only) · Loan size: $101,000 – $2,000,000 · Term: Up to 30 years

TierP&I rate p.a.IO rate p.a.Comparison rate p.a.
$101k–$1m, ≤80% — Owner Occupied6.92%7.32%6.98%
$101k–$1m, ≤80% — Investment7.17%7.42%7.23%
$1m–$1.25m, ≤80% — Owner Occupied7.02%7.42%7.08%
$1m–$1.25m, ≤80% — Investment7.27%7.52%7.33%
$1.25m–$2m, ≤80% — Owner Occupied7.17%7.57%7.23%
$1.25m–$2m, ≤80% — Investment7.42%7.67%7.48%
≤95% — Owner Occupied7.42%—7.48%
≤95% — Investment (IO ≤85%)7.67%7.92%7.73%
  • SMSF investment ≤80%: P&I from 7.47%, IO from 7.72%
  • Alt Doc ≤80%: OO P&I 7.22%, OO IO 7.62%, Inv P&I 7.47%, Inv IO 7.72%

Fees

Application
$880
Settlement
$275 ($750 SMSF)
Escalation
$350
AVM
$49
Annual
$180 (drawdown + annually)

Subject to lender credit approval, terms, conditions, fees and charges.

→ See Standard Home Loan

Outlook Specialist Variable

Max LVR: 85% Full Doc, 85% Alt Doc (Prime tier) · Loan size: $250,000 – $5,000,000 (metro) / $1,500,000 (non-metro) · Term: Up to 30 years

TierP&I rate p.a.IO rate p.a.Comparison rate p.a.
≤60% — Prime Full Doc6.59%IO +0.30%6.65%
≤70% — Prime Full Doc7.04%IO +0.30%7.10%
≤80% — Prime Full Doc7.24%IO +0.30%7.30%
≤85% — Prime Full Doc7.74%IO +0.30%7.80%
≤80% — Near Prime Full Doc7.99%IO +0.30%8.05%
≤80% — Specialist Full Doc8.64%IO +0.30%8.70%
≤80% — Prime Alt Doc7.24%IO +0.30%7.30%
≤80% — Near Prime Alt Doc7.99%IO +0.30%8.05%
  • Investor: +0.15%
  • IO: +0.30%
  • Loan $2m–$3m: +0.30%, $3m–$4m: +0.40%, $4m–$5m: +0.75% + 0.75% risk fee
  • Risk fees: 0% Prime ≤80%, 0.75% Near Prime / Specialist, 0.75% at 85% LVR

Fees

Application
$990
Settlement
$599
Legal
From $350 ex GST (SMSF from $750)
Valuation
From $400
Annual
$15/month
Discharge
$500
Early Repay
1.5% within first 3 years (unregulated)

95% LVR No-LMI generate available: 1st mortgage 80% LVR at 6.85%, 2nd mortgage 80–95% at 12.25%, 1.5% risk fee.

→ See Specialist Lending

Outlook Asset Finance — Streamline

Max LVR: N/A (asset-secured) · Loan size: $10,000 – $250,000 (homeowner) / $150,000 (non-homeowner) · Term: Up to 7 years

TierP&I rate p.a.IO rate p.a.Comparison rate p.a.
Motor Vehicle 0–10 yrs — Homeowner7.75%—7.75%
Motor Vehicle 0–10 yrs — Non-Homeowner9.25%—9.25%
Motor Vehicle 10–15 yrs — Homeowner9.20%—9.20%
A Assets 0–10 yrs — Homeowner7.99%—7.99%
A Assets 0–10 yrs — Non-Homeowner9.74%—9.74%
A Assets 10–15 yrs — Homeowner9.99%—9.99%
B Assets 0–10 yrs — Homeowner9.99%—9.99%
B Assets 0–10 yrs — Non-Homeowner11.74%—11.74%
  • Private sale: +1.00% across all tiers
  • Older assets 15–20 yrs: +1.50% to +2.00%
  • Trailers: capped at 11.99% Homeowner / 13.74% Non-Homeowner regardless of age

Fees

Origination
Built into rate
Documentation
At cost

No bank statements required. No deposit required. Instant approval via Fast Track for amounts to $100k (Homeowner). ABN 2 yrs + GST 2 yrs + credit score ≥550 minimum.

→ See Business Asset Finance

Outlook Easy Refinance Special

Max LVR: 80% · Loan size: $50,000 – $3,500,000 · Term: 60–360 months

TierP&I rate p.a.IO rate p.a.Comparison rate p.a.
≤70% — Owner Occupied6.23%6.63%6.34%
≤70% — Investment6.53%6.93%7.02%
≤80% — Owner Occupied6.33%6.73%6.44%
≤80% — Investment6.63%7.03%7.12%
  • Interest Only: +0.40% (max 5 years; OO IO capped at 50% of total loan against PPR)
  • 12 months good conduct required (verified via loan statements)
  • New P&I repayments must be lower than current P&I
  • Cash out capped at lower of $50,000 or 3% security value

Fees

Application
Nil
Settlement
$590
Legal
$297
Valuation
$440 ex GST ($60 ex GST for AVM)
Annual
$395 (Nil for Owner Occupied)
Discharge
$795 plus 3rd party costs

Refinance only — new rate must be lower than current. Single 100% offset included per loan split.

→ See Easy Refinance details

Important: Rates published here are current as of 15 May 2026 and are subject to change without notice. Comparison rates are based on a $150,000 loan over 25 years P&I; different loan amounts and terms result in different comparison rates. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. WARNING: This comparison rate applies only to the example or examples given. Subject to credit approval, lender terms and conditions, fees and charges. Outlook Finance is a credit representative under Australian Credit Licence 418711.

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