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Home Loans


Variable Rate Home Loans
Standard Variable – a fully featured Home Loan product which can be pre-approved to enable you to seek a suitable home to purchase

• 12 month or 24 month discounted rate;
• $0 or low establishment fee in some cases;
• Borrow up to 95% of the purchase price;
• Ability to make unlimited extra repayments;
• Redraw facility;
• Able to deposit wage/salary into;
• Internet & telephone banking available;
• Can be split with other loan types
• Payments can be interest only for up to 5 years.

Basic Variable – suits the first home buyer which is fully featured like the standard variable home loan but offers a cheaper rate from day one.

• No 12 or 24 month discount rate but a cheaper rate ongoing rate from day 1, up .7% cheaper that the standard variable rate;
• $0 or low establishment fee in some cases;
• Borrow up to 95% of the purchase price;
• Ability to make unlimited extra repayments;
• Redraw facility;
• Internet & telephone banking available;
• No monthly fees is some cases;
• Can be split with other loan types
• Payments can be interest only for up to 5 years.

Fixed Rate Home Loans - This product gives you more certainty around interest rate as you can fix up to 10 years in some cases which gives you certainty in the loan repayment for the fixed rate period

• Borrow up to 95% of the purchase price;
• Ability to make limited extra repayments depending on the lender;
• Can be split with other loan types
• Payments can be interest only for up to 5 years.

Line of Credit – You can consolidate all of your debts into one easy to manage loan. It simplifies all of your finances and minimizes interest payments. Can use the loan to purchase owner occupied, investment property and refinances.

• Access your Line of Credit using cheque book, telephone or internet banking;
• No fees for making additional repayments;
• Direct salary credit available;
• No monthly or annual fees;
• Redraw available;
• Salary crediting

To complete a Home Loan application without obligation, click here, or telephone 02 4626 6677 to talk with one of our Home Loan experts.

 

 


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