Outlook Finance · ACL 418711
Current Rates & Fees
Indicative rates and fees across our home loan and asset finance products.
Home Loan — Full Doc
Outlook Standard Variable
Our flagship full-doc home loan for PAYG and self-employed borrowers with 2+ years of income evidence.
| LVR | OO P&I | OO IO | Inv P&I | Inv IO | Comp Rate | Risk Fee |
|---|---|---|---|---|---|---|
| LVR ≤ 70% | 6.24% | 6.54% | 6.89% | 7.19% | 6.27% | 0% |
| LVR ≤ 80% | 6.34% | — | 7.09% | 7.19% | 6.37% | 0% |
| LVR ≤ 90% | 7.84% | — | 8.45% | 8.75% | 7.87% | LMI applies |
| LVR ≤ 95% | 8.19% | — | — | — | 8.22% | LMI applies |
Fees & Charges
Rates subject to change
The rates and fees above are indicative only and may change without notice. For a personalised rate including all fees and charges that apply to your specific situation, please contact Outlook Finance.
Home Loan — Full Doc Near Prime
Outlook Standard Near-Prime Variable
For full-doc borrowers with one minor credit event or a slightly non-standard situation.
| LVR | OO P&I | OO IO | Inv P&I | Inv IO | Comp Rate | Risk Fee |
|---|---|---|---|---|---|---|
| LVR ≤ 70% | 6.98% | 7.58% | 7.33% | 7.63% | 7.01% | 0% |
| LVR ≤ 80% | 7.48% | — | 7.73% | 8.03% | 7.63% | 1% |
Fees & Charges
Rates subject to change
The rates and fees above are indicative only and may change without notice. For a personalised rate including all fees and charges that apply to your specific situation, please contact Outlook Finance.
Home Loan — Alt Doc / Low Doc
Outlook Self-Employed Premium
For self-employed and ABN borrowers with strong cash flow but no traditional 2-year tax returns.
| LVR | OO P&I | OO IO | Inv P&I | Inv IO | Comp Rate | Risk Fee |
|---|---|---|---|---|---|---|
| LVR ≤ 70% | 6.69% | 6.84% | 7.04% | 7.14% | 6.77% | 0% |
| LVR ≤ 80% | 6.94% | — | 7.29% | 7.39% | 6.97% | 0.5% |
Fees & Charges
Rates subject to change
The rates and fees above are indicative only and may change without notice. For a personalised rate including all fees and charges that apply to your specific situation, please contact Outlook Finance.
Home Loan — Alt Doc Near Prime
Outlook Self-Employed Near-Prime
For self-employed borrowers with one minor credit event or non-conforming income.
| LVR | OO P&I | OO IO | Inv P&I | Inv IO | Comp Rate | Risk Fee |
|---|---|---|---|---|---|---|
| LVR ≤ 65% | 7.34% | 7.74% | 7.59% | 7.74% | 7.42% | 0% |
| LVR ≤ 70% | 7.34% | 7.74% | 7.59% | 7.74% | 7.48% | 0.5% |
Fees & Charges
Rates subject to change
The rates and fees above are indicative only and may change without notice. For a personalised rate including all fees and charges that apply to your specific situation, please contact Outlook Finance.
Home Loan — Full Doc / Alt Doc / SMSF
Outlook Smart Saver Variable
Sharp rates for prime borrowers. Special PAYG, owner-occupied, and ≤65% LVR discounts available.
| Loan / LVR | OO P&I | OO IO | Inv P&I | Inv IO | Note |
|---|---|---|---|---|---|
| Full Doc · $101k–$1m · ≤80% | 6.67% | 7.07% | 6.92% | 7.17% | — |
| Full Doc · $1m–$1.25m · ≤80% | 6.77% | 7.17% | 7.02% | 7.27% | — |
| Full Doc · $1.25m–$2m · ≤80% | 6.92% | 7.32% | 7.17% | 7.42% | — |
| Full Doc · $101k–$1m · ≤95% (Inv ≤85%) | 7.17% | — | 7.42% | 7.67% | LMI applies |
| Alt Doc · $101k–$1m · ≤80% | 6.97% | 7.37% | 7.22% | 7.47% | — |
| SMSF · $101k–$1m · ≤80% | — | — | 7.22% | 7.47% | Investment only |
Fees & Charges
Rates subject to change
The rates and fees above are indicative only and may change without notice. For a personalised rate including all fees and charges that apply to your specific situation, please contact Outlook Finance.
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.
| Tier | ≤60% | ≤65% | ≤70% | ≤75% | ≤80% | ≤85% | Doc Type |
|---|---|---|---|---|---|---|---|
| Prime · Full Doc | 6.34% | 6.69% | 6.79% | 6.89% | 6.99% | 7.49% | — |
| Near Prime · Full Doc | 6.99% | 7.44% | 7.54% | 7.64% | 7.74% | — | — |
| Specialist · Full Doc | 7.74% | 8.19% | 8.29% | 8.39% | — | — | — |
| Prime · Alt Doc | 6.79% | 6.79% | 6.79% | 6.89% | 6.99% | 7.79% | Alt Doc |
| Near Prime · Alt Doc | 7.54% | 7.54% | 7.54% | 7.64% | 7.74% | — | Alt Doc |
| Specialist · Alt Doc | 8.29% | 8.29% | 8.29% | 8.39% | — | — | Alt Doc |
Fees & Charges
Rates subject to change
The rates and fees above are indicative only and may change without notice. For a personalised rate including all fees and charges that apply to your specific situation, please contact Outlook Finance.
Commercial Asset Finance ($10k–$250k)
Outlook Asset Finance — Streamline
Vehicles, A & B asset categories funded against the asset itself. Up to $150k for all entity types; up to $250k for homeowners (Company/Trust).
| Asset / Borrower | 0–10 yrs | 10–15 yrs | 15–20 yrs | 20+ yrs | Note |
|---|---|---|---|---|---|
| Motor Vehicles · Homeowner | 7.55% | 9.05% | 10.30% | 12.30% | Asset age at end of term |
| Motor Vehicles · Non-homeowner | 9.05% | 10.55% | 12.55% | 14.55% | Asset age at end of term |
| A Assets · Homeowner | 7.99% | 9.99% | 10.99% | 12.49% (trailers 11.99%) | Asset age at end of term |
| A Assets · Non-homeowner | 9.74% | 11.74% | 12.74% | 14.74% (trailers 13.74%) | Asset age at end of term |
| B Assets · Homeowner | 9.99% | 11.49% | 12.99% | 15.49% | Asset age at end of term |
| B Assets · Non-homeowner | 11.74% | 13.24% | 14.74% | 17.24% | Asset age at end of term |
Fees & Charges
Rates subject to change
The rates and fees above are indicative only and may change without notice. For a personalised rate including all fees and charges that apply to your specific situation, please contact Outlook Finance.
All rates are indicative and may change without notice. The rates above are wholesale-derived for general guidance. For a personalised rate including every fee, charge, and government cost that applies to your specific situation, please contact Outlook Finance on 1300 432 961 or info@outlookfinance.com.au. Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: Comparison rates apply only to the example given; different 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. Lending criteria, terms and conditions apply. Outlook Finance · Australian Credit Licence 418711.
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