Rate Lovers Cash Back

6.29% p.a. Variable

6.36% p.a. Comparison*

Get $2,000 up to $10,000 Cash Back

Kick start your savings and receive $2,000 up to $10,000 cash back with the Rate Lovers Cash Back Variable Home Loan.

Minimum loan amount $250,000 to receive cash back offer.

THE BASICS
Rate	6.29% p.a. Variable 6.36%* p.a. Comparison
Purpose	Owner Occupied
Eligibility	Personal Company Unit Discretionary Trust
Minimum Amount	$250000
Maximum Amount	$2,500,000 Add 0.60% for loans over $1,500 000 - $2,000,000. (Max LVR 70%) Add further 0.30% for loans over $2,000,000- $2,500,000 (Max LVR 70%)
LVR	Up to 80% Add 0.80% for 80 - 90%
Loan Term	Up to 30 years
Rate Options	Variable
Available for Construction	No
FEATURES
Multiple Accounts	Offset - add 0.10% to rate $0 p.m.
Redraw Facility	Yes. No minimum via electronic transfer
Account Access	Internet & Phone transfer access to nominated account
Statements	Half yearly
REPAYMENTS
Type	Principal & Interest
Frequency	Via Direct Debit - Fortnightly or Monthly
Methods	Direct Debit Salary Credit
Additional Repayments	Variable Rate – Extra repayments may be made at any time without penalty
FEES
Application Fee	$440
Establishment Fee	$0
Third Party Valuation Fee	At Cost Estimate $250
Third Party Legal Fees	$0 professional legal fee. disbursements payable Does not cover government charges & PEXA Fee
Annual Fee	$0
Monthly Fee	$0
Settlement Fee	$480 Settlement fee includes up to $330 professional legal fee. disbursements payable