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MELBOURNE PROPERTY

AND FINANCE GROUP

PRODUCT GUIDE

Effective from MAY 2026

MPFG CAPITAL PTY LTD | ABN 70 670 779 370 | ACL: 553698

MPFG Priz

Standard Residential Home Loan

From 6.59% p.a.*

Key Features

Max LVR80%

Loan TermUp to 30 years

Loan Size$101K – $2.0M

RepaymentPrincipal & Interest / Interest Only

RedrawAvailable

Loan Purposes

PurchaseRefinanceDebt ConsolidationInvestmentCash Out

Income Document Checklist

PAYG Income Docs

• 2 payslips

• Employment Letter

SE Income Docs

• 1 Year Financial Report (No NOA required)

Fees & Charges

Valuation FeeFrom $330

Establishment Fee1.1% of Loan Amount

Legal Fee$385 Plus Disbursement

Annual Fee$180

Payable at drawdown and annually thereafter

Settlement Fee$275

AVM Product Fee$49

Escalation Fee$350

Clawback

No Clawback Upfront

Interest Rates

Loan Type	Loan Amount	LVR	Owner Occupied		Investment
Loan Type	Loan Amount	LVR	P&I	IO	P&I	IO
Full Doc
Full Doc	$101k – $1m	≤80%	6.59%	6.99%	6.84%	7.09%
Full Doc	> $1m – $1.25m	≤80%	6.69%	7.09%	6.94%	7.19%
Full Doc	> $1.25m – $2m	≤80%	6.84%	7.24%	7.09%	7.34%
Alt Doc
Alt Doc	$101k – $1m	≤80%	6.89%	7.29%	7.14%	7.39%

https://mpfg.com.au/ | ABN 70 670 779 370 | ACL: 553698 | Rates indicative only. Subject to change without notice.

MPFG Easy Refi

Competitive Refinance Solution

From 5.94% p.a.*

Key Features

Max LVR80%

Loan Term30 years

Loan Size$100K – $3.5M

RepaymentPrincipal & Interest (Interest Only available, +0.40%)

OffsetAvailable

Loan Purposes

Refinance

Income Document Checklist

• 12 month loan statement

Fees & Charges

Application FeeNil

Annual Facility FeeNo annual fee for O/O, $295 for Investment

Account Variation Fee$250

Facility Variation Fee$450

Discharge Fee$795 plus 3rd party costs

Solicitor Documentation FeeWaived

Valuation FeeWaived for all residential applications

Transaction FeesFree unlimited

Internet, Mobile, BPay, Direct Debit, EFTPOS

Rate Loadings

Interest Only (5yr)+0.40%

Interest Rates

Loan Type	Loan Amount	LVR	Owner Occupied		Investment
Loan Type	Loan Amount	LVR	P&I	IO	P&I	IO
Prime
Prime	Up to $3.5m	≤70%	5.94%	6.34%	6.24%	6.64%
Prime	Up to $3.5m	≤80%	6.04%	6.44%	6.34%	6.74%

https://mpfg.com.au/ | ABN 70 670 779 370 | ACL: 553698 | Rates indicative only. Subject to change without notice.

MPFG Easy Refi Plus

Plus Refinance Special - No Clawback

From 5.79% p.a.*

Comparison: 5.92% p.a.*

Key Features

Max LVR80%

Loan TermUp to 30 years

Loan Size$50K – $2.0M

RepaymentPrincipal & Interest (Interest Only available, +0.25%)

RedrawAvailable

Loan Purposes

RefinanceCash OutDebt ConsolidationLoan Increase

Income Document Checklist

PAYG Income Docs

• 2 Payslips

• 1 month salary credit

• 12 month loan statement

Fees & Charges

Application Fee$440 Online / $550 Manual

Valuation FeeMinimum $250 or at cost

Legal Fees$395

Plus disbursements

No Clawback Risk Fee1% of loan amount

For a 0.20% rate discount

Settlement Fee$150

Monthly Fee$0

Annual Fee$395

With offset (Debit Card)

Discharge Fee$895

Clawback

No Clawback (with 1% Risk Fee) or Standard Clawback available

Interest Rates

Loan Type	Loan Amount	LVR	Variable	Comparison Rate	Risk Fee
Loan Type	Loan Amount	LVR	Variable	Comparison Rate	Risk Fee
OO (No Clawback)
OO (No Clawback)	$50k – $2m	≤80%	5.79%	5.92%	1% Risk Fee
OO
OO	$50k – $2m	≤80%	5.99%	6.07%	No Risk Fee
INV (No Clawback)
INV (No Clawback)	$50k – $2m	≤80%	6.09%	6.22%	1% Risk Fee
INV
INV	$50k – $2m	≤80%	6.29%	6.37%	No Risk Fee

https://mpfg.com.au/ | ABN 70 670 779 370 | ACL: 553698 | Rates indicative only. Subject to change without notice.

MPFG Bright

Full Doc & Alt Doc Home Loan

From 6.24% p.a.*

Key Features

Max LVR95%

Loan TermUp to 30 years

Loan Size$100K – $15.0M

RepaymentPrincipal & Interest (Interest Only available where noted)

RedrawAvailable

Loan Purposes

PurchaseRefinanceEquity Release

Income Document Checklist

PAYG Income Docs

• 2 Payslips

SE Income Docs

• 1 year ITR, NOA, CTR

Fees & Charges

Valuation & Administration FeeAt cost

Lenders Legal Fees$300 at cost, plus disbursements

Settlement Fee$330

Account Fee$0

100% Offset Facility$15/month (optional)

Split Loan Account Fees$0 (with Offset: $15/month per split, up to 5)

Early Repayment FeesNil for variable loan

Discharge Fee$550, plus lenders legal fees at cost

Application Fee (Alt Doc)$660

Alt Doc only

Interest Rates

Loan Type	Loan Amount	LVR	Owner Occupied		Investment		Risk Fee
Loan Type	Loan Amount	LVR	P&I	IO	P&I	IO	Risk Fee
Full Doc Prime
Full Doc Prime	–	≤70%	6.24%	6.54%	6.89%	7.19%	0% Risk Fee
Full Doc Prime	–	≤80%	6.34%	–	7.09%	7.19%	0% Risk Fee
Full Doc Prime	–	≤90%	7.84%	–	8.45%	8.75%	No Risk Fee
Full Doc Prime	–	≤95%	8.19%	–	–	–	No Risk Fee
Alt Doc Prime
Alt Doc Prime	–	≤70%	6.69%	6.84%	7.04%	7.14%	0% Risk Fee
Alt Doc Prime	–	≤80%	6.74%	–	7.14%	7.29%	0% Risk Fee

https://mpfg.com.au/ | ABN 70 670 779 370 | ACL: 553698 | Rates indicative only. Subject to change without notice.

MPFG Rapid

Full Doc Residential Home Loan

From 6.74% p.a.*

Key Features

Max LVR90%

Loan Term5 to 40 years

Loan Size$100K – $15.0M

RepaymentPrincipal & Interest (Interest Only available)

RedrawAvailable

Loan Purposes

PurchaseRefinanceInvestmentCash OutDebt Consolidation

Income Document Checklist

PAYG Income Docs

• 2 Payslips

SE Income Docs

• 1 year ITR, NOA, CTR

Fees & Charges

Application Fee$500 (Full Doc) / $599 (Alt Doc)

Annual Fee$0

Offset Account Fee$10 per account per month

Valuation FeeAt cost (via Property Hub)

Legal FeeFrom $400

Discharge FeeFrom $550

Interest Rates

Loan Type	Loan Amount	LVR	Owner Occupied	Risk Fee
Loan Type	Loan Amount	LVR	P&I	Risk Fee
Full Doc
Full Doc	Up to $2.5m	≤65%	6.74%	No Risk Fee
Full Doc	Up to $2.5m	≤70%	6.74%	No Risk Fee
Full Doc	Up to $2.5m	≤75%	6.89%	No Risk Fee
Full Doc	Up to $2.5m	≤80%	6.89%	No Risk Fee
Full Doc	Up to $2.5m	≤85%	7.34%	1% Risk Fee
Full Doc	Up to $1m	≤90%	7.44%	2% Risk Fee
Alt Doc
Alt Doc	Up to $2.5m	≤65%	6.89%	No Risk Fee
Alt Doc	Up to $2.5m	≤70%	6.99%	No Risk Fee
Alt Doc	Up to $2.5m	≤75%	7.09%	No Risk Fee
Alt Doc	Up to $2.5m	≤80%	7.19%	No Risk Fee
Alt Doc	Up to $2.5m	≤85%	7.89%	1% Risk Fee

https://mpfg.com.au/ | ABN 70 670 779 370 | ACL: 553698 | Rates indicative only. Subject to change without notice.

MPFG Flex

Lite Doc Home Loan

From 6.29% p.a.*

Comparison: 6.76% p.a.*

Key Features

Max LVR80%

Loan TermUp to 30 years

Loan Size$150K – $2.0M

RepaymentPrincipal & Interest (Interest Only available, OO +0.15% / INV +0.15%)

RedrawAvailable

Loan Purposes

PurchaseRefinanceCash OutDebt ConsolidationLoan Increase

Income Document Checklist

PAYG Income Docs

• 2 Payslips or Employment Letter

SE Income Docs

• 1 year ITR

• Accountant letter

Fees & Charges

Application Fee$770 Online / $880 Manual

Includes legal professional fee

Legal FeesIncluded in Application

Settlement Fee$150

Valuation FeeMinimum $250 or at cost

Annual Fee$395

Discharge Fee$795

Loan Variation Fee$250

Loan Facility Variation Fee$400

Monthly Fee$0

No Clawback Risk Fee1% of loan amount

For standard clawback, add 0.20% to rate, remove risk fee

Clawback

No Clawback (with 1% Risk Fee) or Standard Clawback available

Interest Rates

Loan Type	Loan Amount	LVR	Variable	Comparison Rate	Risk Fee
Loan Type	Loan Amount	LVR	Variable	Comparison Rate	Risk Fee
Discounted (No Clawback)
Discounted (No Clawback)	Up to $2m	≤70%	6.29%	6.76%	1% Risk Fee
Discounted (No Clawback)	Up to $2m	≤80%	6.39%	6.86%	1% Risk Fee
Standard
Standard	Up to $2m	≤70%	6.49%	6.91%	0% Risk Fee
Standard	Up to $2m	≤80%	6.59%	7.01%	0% Risk Fee

https://mpfg.com.au/ | ABN 70 670 779 370 | ACL: 553698 | Rates indicative only. Subject to change without notice.

MPFG Expat

Home Loan for Overseas Australians

From 6.94% p.a.*

Key Features

Max LVR80%

Loan Term5 to 30 years

Loan Size$100K – $5.0M

RepaymentPrincipal & Interest (Interest Only up to 5 years, +0.20%)

RedrawAvailable

Loan Purposes

PurchaseInvestmentRefinanceCash Out

Income Document Checklist

PAYG Income Docs

• 2 Payslips

Fees & Charges

Application Fee$500 (Full Doc) / $599 (Alt Doc)

Annual Fee$0

Offset Account Fee$10 per account per month

Valuation FeeAt cost (via Property Hub)

Legal FeeFrom $400

Discharge FeeFrom $550

Risk Fee (Prime)1.00%

Of loan amount

Risk Fee (Near Prime)1.25%

Of loan amount

Interest Rates

Loan Type	Loan Amount	LVR	Owner Occupied	Risk Fee
Loan Type	Loan Amount	LVR	P&I	Risk Fee
Expat Prime
Expat Prime	Up to $2.5m	≤65%	6.94%	1% Risk Fee
Expat Prime	Up to $2.5m	≤70%	7.04%	1% Risk Fee
Expat Prime	Up to $2.5m	≤75%	7.24%	1% Risk Fee
Expat Prime	Up to $2.5m	≤80%	7.34%	1% Risk Fee

https://mpfg.com.au/ | ABN 70 670 779 370 | ACL: 553698 | Rates indicative only. Subject to change without notice.

Contact Us

We're here to help you find the right solution.

03 9696 8888

finance@mpfg.com.au

https://mpfg.com.au

Information contained in this document is for internal use only. All rates are indicative and subject to change. Terms, conditions & lending criteria apply. Full details available upon application.

MPFG CAPITAL PTY LTD | ABN 70 670 779 370 | ACL: 553698