Home Owners Dream 2 Year Fixed

Owner Occupied Home Loan

1.89% p.a. Fixed

2.56% p.a. Comparison*

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      THE BASICS
      Rate1.89% p.a. Fixed
      2.56%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$50,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      ≤ 95% LVR $750,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRMax 95% plus LMI for purchases, capped at 95% - Add 0.30% to rate
      Max 90% including LMI for refinances - add 0.10% to rate
      LMI payable over 80% LVR
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionNo
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt cost
      Estimate $250
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract processing fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0
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