Rate Lovers
Owner Occupied Home Loan
2.29% p.a. Variable
2.36% p.a. Comparison*
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Rate Lovers Variable Home Loan
| THE BASICS | |
| Rate | 2.29% p.a. Variable 2.36%* p.a. Comparison |
| Purpose | Owner Occupied |
| Eligibility | Personal Company Unit Discretionary Trust |
| Minimum Amount | $50,000 |
| Maximum Amount | $850,000 Add 0.30% for loans over $850,000 – $1,500,000; only available under 70% LVR |
| LVR | Max 90% plus LMI for purchases, capped at 95% Max 90% including LMI for refinances LMI payable over 80% LVR Add 0.40% to rate over 80% LVR |
| Loan Term | Up to 30 years |
| Rate Options | Variable |
| Available for Construction | No |
| FEATURES | |
| Multiple Accounts | 100% offset 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 |
| 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 | $0 |
| Establishment Fee | $0 |
| Third Party Valuation Fee | At Cost Estimate $250 |
| Third Party Legal Fees | At Cost Unascertainable estimate $50 - $330 Does not cover government charges & PEXA Fee |
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Settlement Fee | $0 |
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