La Trobe Financial

Financial Services90% confidence

La Trobe Financial is an Australian non-bank lender and credit asset manager offering home loans, investment products, and asset management services.

Melbourne, Victoria, Australia
latrobefinancial.com.au
Owned by Brookfield Asset Management

About La Trobe Financial

La Trobe Financial is an Australian non-bank lender and credit asset manager based in Melbourne, Victoria. Established in 1952, the company provides a range of specialist lending and investment solutions, including residential and commercial home loans, self-managed super fund (SMSF) loans, and credit fund investment products. Through its managed investment schemes (such as term accounts and income-focused credit funds), La Trobe Financial connects investors with a diversified portfolio of credit assets, overseen by professional asset managers and subject to Australian regulatory requirements.

A La Trobe Financial charge may appear on your bank or card statement if you have (or recently had) a loan, line of credit, or investment account with them. Common reasons include scheduled loan repayments (principal and interest), interest-only repayments, fees (such as application, settlement, or ongoing account fees), or transfers to or from a La Trobe investment product. You might also see La Trobe Financial as the descriptor for direct debits you authorised in your loan or investment documents, or for small verification transactions when you set up or changed a payment method. In some cases, regular monthly, fortnightly, or weekly debits will appear as part of an agreed repayment schedule.

To verify or resolve questions about a La Trobe Financial charge, first compare the transaction date and amount with your loan statements, investment confirmations, or emails from La Trobe Financial. Log in to your online account portal (if you have one) via latrobefinancial.com.au to review recent transactions, scheduled repayments, and fee disclosures. If you still can’t identify the charge, contact La Trobe Financial using the details on the “Contact Us” page of their website, providing your full name, account or loan number, and the exact amount and date of the charge so they can investigate. Do not dispute the transaction with your bank until you’ve checked whether it relates to an existing La Trobe Financial agreement, as this can delay resolution and may affect your account status.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to La Trobe Financial.

  1. La Trobe Financial Ser Traralgon AUS

Frequently Asked Questions

Why am I being direct debited by La Trobe Financial each month?

Regular direct debits from La Trobe Financial typically relate to scheduled loan repayments (principal and interest or interest-only) that you agreed to in your loan contract. The debit amount and frequency (weekly, fortnightly, or monthly) should match your loan repayment schedule and will be shown on your loan statements. You can confirm this by checking your loan contract or your online loan account via latrobefinancial.com.au. If the amount doesn’t match your schedule, contact La Trobe Financial immediately for clarification.

What types of fees might I see from La Trobe Financial on my statement?

In addition to standard loan repayments, you may see charges for establishment or application fees, valuation fees, monthly or annual account-keeping fees, or late payment fees if a repayment was missed or received after the due date. For investors, you might see management or administration-related fees deducted from your investment account rather than from your everyday bank account. All applicable fees are outlined in your loan contract or in the Product Disclosure Statement (PDS) for investment products. Reviewing these documents will help you match each fee to its description.

Why do I see a small La Trobe Financial charge or temporary hold on my card?

A small amount (often just a few dollars) from La Trobe Financial may be an authorization hold used to verify a new debit or credit card you provided for repayments or investments. This temporary hold checks that the card is valid and may appear as “pending” before being reversed automatically. It is not a fee and should disappear from your statement within a few business days. If it remains or you see multiple verification attempts, contact La Trobe Financial to review your payment details.

How can I change, pause, or cancel my La Trobe Financial loan repayments?

Loan repayments with La Trobe Financial are governed by the terms of your loan contract, so they cannot be cancelled like a typical subscription. If you need to change the repayment date, frequency, or direct debit details, contact La Trobe Financial in advance to request a variation and confirm what is allowed under your contract. In cases of financial hardship, you should notify them as soon as possible and ask to speak with their hardship or customer care team about temporary payment arrangements. Do not simply cancel the direct debit with your bank, as this can lead to arrears, additional fees, and potential credit reporting issues.

Why did La Trobe Financial debit my account when I thought my loan was closed?

If you see a La Trobe Financial charge after you believe a loan has been finalised, it may relate to residual interest, government charges, discharge or settlement fees, or an adjustment made after property settlement. Sometimes there is a short gap between when your loan is paid out and when all final interest and fees are calculated. Check your discharge or payout statement for a breakdown of closing amounts and dates. If anything looks incorrect, contact La Trobe Financial with your loan number and settlement date so they can review the final accounting.

How do I verify a La Trobe Financial investment transaction or income payment?

If you hold an investment with La Trobe Financial (such as a credit fund or term account), debits and credits between your bank and La Trobe often relate to investment contributions, withdrawals, or periodic income distributions. The descriptor on your bank statement may reference "La Trobe Financial" or the specific investment account. Log in to your investor portal or review your latest investment statement or distribution notice to confirm the transaction. If you can’t match it, contact their investor services team through the contact details provided in your investment welcome pack or on latrobefinancial.com.au.

How do I dispute a La Trobe Financial charge or request a refund of a fee?

Start by contacting La Trobe Financial directly using the phone number or message options on their website, providing details of the charge, your account or loan number, and why you believe it is incorrect. They can explain the charge, correct any errors, or advise whether a refund or waiver is possible under their policies. If you are not satisfied with the outcome, you can lodge a formal complaint with La Trobe Financial, and if still unresolved, escalate it to the Australian Financial Complaints Authority (AFCA) as outlined in your loan or product documentation. Avoid initiating a bank chargeback until you have gone through their internal resolution process, as this can complicate or delay the outcome.

How can I contact La Trobe Financial about a mystery charge on my bank statement?

Go to latrobefinancial.com.au and visit the “Contact Us” section to find the most current phone numbers and contact forms for borrowers and investors. When you call or submit an enquiry, have your full name, date of birth, address, and any loan or account numbers ready, plus the exact amount, date, and description of the charge on your statement. This information helps them quickly locate your account and explain the transaction. For security reasons, do not share full card or account numbers by email; use the secure channels they provide.

This merchant is in the Financial Services category

Browse all

Related Merchants

Spotto
Circumtec
Live Payments
CabFare
JIM.com

Compare La Trobe Financial

vsSpottovsCircumtecvsLive Payments

Got more mystery charges?

Paste your bank statement codes and we'll tell you exactly who charged you.

Find out who charged you