La Trobe Financial: Updated Servicing Calculator

Click here to find attached an updated servicing calculator required to be used for all loans submitted from

18 September 2023

Changes to the calculator are as follows:

  1. Serviceability stress test overlay removed reducing buffer from 2.50% to 2.00%;

  2. HEM figures updated; and

  3. Living expense conversions on non-resident calculator updated.

Success stories at

We find lending solutions for all types of client scenarios

Below is a real-life scenario showing how we were able to help these borrowers finish construction on their new home. Could this be a similar situation your clients find themselves in?

Client Scenario

These clients needed funds to finish construction on their partially completed property. However, due to the location were having trouble finding a lender with flexible construction finance.

Client Solution

Funding was able to quickly and efficiently provide them with the funds needed to finish construction on their property, allowing them to achieve their financial goals.

  • Borrowing Amount - $512k

  • Borrowing Entity - Joint Owners

  • Location - Witchcliffe WA 6286

  • Security - First Mortgage

  • Loan Term - 12 Months

  • Exit Strategy - Refinance

  • Approval Time - 1 Hour

Have a similar client situation, where fast finance is needed? Speak to our team about a bridging, business or building loan.

Banjo: Working Capital is here to help your clients grow

Working Capital is helping to propel growth for this luxury boat retailer.


  • Industry - Retail Trade/ Marine Equipment
  • Loan Amount - $1M
  • Time in Business - 13 months
  • Structure - Company
  • Annual Turnover - $15M
  • Total deal time - 7 Days

A bit of background

  • Specialists in selling small bespoke luxury boats to the public and boat dealerships Australia wide.
  • The business is currently in a growth phase and have plans to expand their maintenance side and footprint in NSW.
  • To support their expansion plans, they required funds for fit-outs, staff recruitment, and purchasing stocks.

How did we help this business move forward?

  • Banjo was able to have a detailed conversation with the broker and get a better understanding of the business model and growth plans.

  • Through this deeper understanding of the business, Banjo approved an 18-month Working Capital loan of $1M.

  • The total deal time took 7 days and has allowed the business to move forward and reach their growth goals.