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Find your home sweet home with our competitive variable rate
Want to pay off your home loan sooner while keeping your repayments down? This special Home Sweet Home Loan is perfect for you!
Whether you’re using the equity in your home to refinance or looking at buying your first home, take advantage of this great competitive rate.
You’ll benefit from a variable interest rate and the option for flexible repayment options of weekly, fortnightly or monthly & can make extra repayments without penalty. Plus, we give fast answers on loans!
The rate is reduced if the loan-to-value ratio (LVR) is <= 70% (see rate below). LVR 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%.
Not sure about your LVR? Enquire now & let us do the heavy lifting – we’ll work it out for you!
Owner occupier, variable, principal & interest, LVR 70% or less.
Special Discount Rate is available for new business only.
Click Interest Rates below for LVR >70% loans.
| Features | LVR <=70% | LVR > 70% |
| Repayment Arrangement | Principal & Interest | Principal & Interest |
| Minimum amount | $50,000 | $50,000 |
| Maximum amount | 70% of property value. | 80% of property value. 95% of property value with mortgage insurance |
| Loan period | Up to 30 years | Up to 30 years |
| Repayment frequency | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly |
| Interest only available | No | No |
| Additional repayments accepted | Yes | Yes |
| Redraw available | Yes | Yes |
| Redraw Fee | $0 | $0 |
| Minimum redraw amount | No minimum | No minimum |
| Offset account available | Yes | Yes |
| Offset fee | $150 p.a. | $150 p.a. |
| Establishment fee | $350 | $350 |
| Bridging Establishment fee | N/A | N/A |
| Monthly fee | $0 | $0 |
| Annual fee | $150 | $150 |
| Early break fee | No | No |
| Home Sweet Home Loan | LVR | Interest rate p.a. | Comparison rate p.a. | Standard Rate p.a. |
| Principal & Interest | <=70% | 5.89% p.a. | 6.59% p.a. | 6.49% p.a. |
| Principal & Interest | >70% | 6.04% p.a. | 6.73% p.a. | 6.64% p.a. |
You will need to adjust the interest rate below to provide an indication of results.
