Introductory or Honeymoon Rate Home Loans

Introductory or Honeymoon Rate home loans provide you with a discount off the standard variable interest rate at the beginning of the loan. The discount, of up to 1% per annum, will usually be for the first 6-12 months of your loan term.

After this period has finished, your home loan generally reverts to the lender’s standard variable interest rate, unless you have negotiated something different with your lender. An introductory or honeymoon rate may be fixed, variable or capped.

Particularly suited to first home buyers, the lower repayments in the initial stages of your home loan may enable you to better allocate available funds into other areas such as purchase of furniture.

Reap the benefits of a honeymoon rate home loan

If you would like to get a discount on your interest rate through a honeymoon rate home loan, or to talk to a mortgage broker about the the home finance options that are in your best interest, call us on 13 LOAN ( or direct on +61 2 9249 3739) or email us the form on this page and we will contact you within 2 business hours.

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Why do honeymoon or introductory rate home loans offer lower interest rates?

Banks and lenders are generally able to offer honeymoon rate home loans of up to 1% per annum off the standard variable interest rate through reduced features and flexibility. An introductory or honeymoon rate home loan may come with higher early repayment or exit fees, higher establishment and ongoing fees, and limited extra repayment options in the introductory period than a standard variable rate home loan. There may also be strict rules about how long you must hold the home loan for after the honeymoon period is over – if you pay out or refinance your loan during this additional period you may be liable for extra fees.

For more information on honeymoon rate home loans

If you have a honeymoon rate offer available and want to check what your initial and ongoing payments will be, or for more information on home finance or the home loan that is in your best interest, talk to your local mortgage broker and we will return your enquiry within 2 business hours. Or call us at any time on 13 LOAN or direct on +61 2 9249 3739.