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fixed <70
>70 LVR
You can be rest assured with our fixed rate home loans knowing what your repayment amount will be for the period you’ve nominated. Benefit from competitive fixed interest rates and take advantage of flexible repayments and no redraw or monthly administration fees. The rate is reduced if the loan-to-value ratio (LVR) is <= 70% (see rates below). LVR is the loan-to-value ratio is the amount you are borrowing represented as a percentage of the value of the property you are buying e.g. $400,000 loan divided by $500,000 property value is 80%.
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| Home Sweet Home Residential Investment Loan LVR <=70% |
Home Sweet Home Residential Investment Loan LVR >70% |
Fixed Residential Investment Loans LVR <=70% |
Fixed Residential Investment Loans LVR >70% |
Home Sweet Home Residential Investment Loan LVR <=70% |
Home Sweet Home Residential Investment Loan LVR >70% |
Fixed Residential Investment Loans LVR <=70% |
Fixed Residential Investment Loan LVR >70% |
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| Repayment Arrangement | Principal & Interest | Principal & Interest | Principal & Interest | Principal & Interest | Interest Only | Interest Only | Interest Only | Interest Only |
| Description | A competitive variable rate residential investment loan where the amount you borrow is less than or equal to 70% of the value of the property. | A competitive variable rate residential investment loan where the amount you borrow is greater than 70% of the value of the property. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. A competitive fixed rate residential investment loan where the amount you borrow is less than or equal to 70% of the value of the property. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. | Available as an alternative to a principal and interest arrangement. Also available as a short term facility for purposes such as the purchase or construction of your residential investment property or for bridging finance. Where the amount you borrow is less than or equal to 70% of the value of the property | Available as an alternative to a principal and interest arrangement. Also available as a short term facility for purposes such as the purchase or construction of your residential investment property or for bridging finance. Where the amount you borrow is greater than 70% of the value of the property. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. |
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Loan amounts and repayment terms |
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| Minimum loan amount | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| Maximum loan amount | 70% of property value. | 80% of property value. 95% of property value with mortgage insurance | 70% of property value. | 80% of property value. 95% of property value with mortgage insurance | 70% of property value. | 79% of the property value. If it's a bridging loan: 85% of property value with mortgage insurance. If it's not a bridging loan: 95% of property value with mortgage insurance. |
70% of property value. | 79% of the property value. If it's a bridging loan: 85% of property value with mortgage insurance. If it's not a bridging loan: 95% of property value with mortgage insurance. |
| Loan period | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years |
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Repayments and redraw options |
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| Repayment frequency | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly |
| Interest only available | No | No | No | No | Yes | Yes | Yes | Yes |
| Additional repayments accepted | Yes | Yes | Yes* | Yes* | Yes | Yes | Yes* | Yes* |
| Redraw available | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Minimum redraw amount | No minimum | No minimum | No minimum | No minimum | No minimum | No minimum | No minimum | No minimum |
| Offset account available | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a |
| Fees | ||||||||
| Establishment fee | $350 | $350 | $350 | $350 | $3505 | $3505 | $3505 | $3505 |
| Bridging Establishment fee | N/A | N/A | N/A | N/A | $500 | $500 | $500 | $500 |
| Monthly fee | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Annual fee | $150 | $150 | $0 | $0 | $150 | $150 | $150 | $150 |
| Redraw fee | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Early break fee | No | No | Yes | Yes | No | No | Yes | Yes |
| Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | |
