Advance SVR 90%95% Advance SVR 90%-95% >$200K Pro Pack (Principal & Interest) (Owner Occupied)
4.44%p.a Standard Variable
About Australian First Mortgage
Repayments calculated to take into account ongoing monthly and anual fees.
- Monthly repayment*
- rate per annum
Loan to Value Ratio
Borrow up to the maxium of 95% of the value of the property.
Lenders Mortgage Insurance, or LMI, will be payable on most loans where the borrowings are greater than 80% of the value of the property.
However, you may be able to capitalise LMI into your loan, increasing the overall loan amount by about 2% (in order to cover the cost of the insurance). Contact a loan market broker to find out how LVR and LMI might impact the cost of your loan repayments.
- Capitalise LMI
For Owner Occupied in NSW, NT, QLD, SA, WA, VIC, TAS, and ACT.
- 5 - 30 years
The level of financial documentaion and credit history required to apply for the loan.
- Full Doc
- Credit History
- Genuine Saving
Save on interest repayments by holding spare cash in an offset account.
- Offset account
Get quick access to cash by drawing on the loan to pay for renovations or other purchases.
- Redraw Facility
- Min Redraw
- Redraw fee
Given the wide range of loans on offer – with different interest rates, product features and fees – it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.
Some features you may wish to consider include:
- an offset account;
- ability to make extra repayments;
- a redraw facility; and
- linked credit card and savings accounts;
- ability to split your loan between fixed and variable interest rates
- Offset Account
- Redraw Available
- Credit Card
- Internet Banking
- Telephone Banking
- BPay Option
- Portability of Loan
- Professional Pack
- Check Account
- Direct Salary Credit
- Free Transactions
- Minimum Redraw
- Redraw Fee
You can make your repayments Fortnightly, Half-Monthly, Monthly, and Weekly.
- Interest Only Option
- Max Interest Only
- 0 years
Upfront fess associated with estabilishing the loan. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.
Monthly and annual fees and charges during the loan period.
- Ongoing Yearly
Fees associated with prematurely ending the loan.
- Early Repayment
- Switch To Fixed
Standard home loan with numerous features to suit a large range of home owners. This product caters for first home buyers and investors. Borrowers have the option of choosing from a range of features including flexible repayment options, internet and phone transacting coupled with competitive pricing. 1, 2, 3, 4 and 5 fixed options are available. Repayment Methods of Direct Debit, BPay Credits and Direct Salary Crediting. Repayment Frequencies of Weekly, Fortnightly, Twice Monthly, Monthly. Variable Rate only - Unlimited redraw transactions, with no maximum limit at no cost. Accessible 24hrs after lodgement. Redraw transactions are only permitted to go to nominated account No 3rd Party Transfers. Direct Debit card fees apply. LVR limits on regional areas may be reduced Refer to Acceptable Postcode List. No offset account available. Unlimited fee-free standard & non-standard transactions now apply. SPECIAL FEATURES - Deductable interest may be included when calculating servicing capacity - Professional pack available (fees apply) Maximum loan size $2,000,000 - Construction loans available, A $300 Construction Drawdown Fee will apply at first progress payment - Vacant land loans available loading on rate of 0.15% applies - Construction of multiple dwellings on single title Conditions apply
LMI payable above 80%. Max LVR for Owner Occupier P&I is 95% inclusive of any capitalised LMI.
Genuine Savings applies for LVR >85% (5% Genuine Savings required over 3 months)
One standard valuation is included in settlement fee.