Rate Lovers
Owner Occupied Home Loan
3.19% p.a. Variable
3.19% p.a. Comparison*
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| THE BASICS | |
| Rate | 3.19% p.a. Variable 3.19%* p.a. Comparison |
| Purpose | Owner Occupied |
| Eligibility | Personal Company Unit Discretionary Trust |
| Minimum Amount | $50,000 |
| Maximum Amount | $2,000,000 |
| LVR | 80% for purchase or refinance |
| Loan Term | Up to 30 years |
| Rate Options | Variable |
| Available for Construction | No |
| FEATURES | |
| Multiple Accounts | 100% offset account available - add 0.05% to rate Loan splits available |
| Redraw Facility | Yes. No minimum via electronic transfer |
| Account Access | Internet & Phone transfer access to nominated account |
| Statements | Half yearly |
| REPAYMENTS | |
| Type | Principal & Interest Interest Only - add 0.40% to rate |
| Frequency | Via Direct Debit - Weekly, Fortnightly or Monthly |
| Methods | Direct Debit Salary Credit |
| Additional Repayments | Variable Rate – Extra repayments may be made at any time without penalty |
| Discount | You may be eligible for a discount after 5 years of good payment conduct, Speak to your credit representative for more information. |
| FEES | |
| Application Fee | $0 |
| Establishment Fee | $0 |
| Third Party Valuation Fee | $0 - Covers up to $330 ^Loan amounts under $200,000 incur a valuation fee at cost, estimate $250 |
| Third Party Legal Fees | $0 - Covers up to $297 Does not cover disbursements, government charges & PEXA fee ^Loans amounts under $200,000 incur legal fees at cost, estimate $297 Does not cover disbursements, government charges & PEXA fee |
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Settlement Fee | $0 ^Loans under $200,000 incur a $150 fee |
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