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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%.
Owner occupier, fixed, principal & interest, LVR 70% or less.
LVR 70% or less is available for new business only.
Click Interest Rates below for LVR >70% loans.
|Minimum amount :||$50,000|
|Maximum amount :||80% of property value. 95% of property value with mortgage insurance.|
|Loan period :||Up to 30 years|
|Repayments :||Weekly, fortnightly or monthly|
|Interest only available :||No|
|Redraw available :||Yes|
|Redraw Fee :||$0|
|Minimum redraw amount :||No minimum|
|Offset Account available :||Yes - $150 p.a|
|Establishment fee :||$350|
|Monthly Fee :||$0|
|Interest :||Calculated daily, charged monthly|
|Variable and lump sum repayments :||Yes|
|Top up facility :||No|
|Administration fee :||0|
|Partial Break Cost :||Yes|
|Early Payout Fee :||Yes|
|Fixed||LVR||Interest rate p.a.||Comparison rate p.a.|
|1 Year||<=70%||6.14% p.a.||6.54% p.a.|
|2 Years||<=70%||6.04% p.a.||6.49% p.a.|
|3 Years||<=70%||5.94% p.a.||6.42% p.a.|
|5 Years||<=70%||5.84% p.a.||6.29% p.a.|
|1 Year||>70%||6.29% p.a.||6.69% p.a.|
|2 Years||>70%||6.19% p.a.||6.64% p.a.|
|3 Years||>70%||6.09% p.a.||6.57% p.a.|
|5 Years||>70%||5.99% p.a.||6.44% p.a.|
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