Complete Alliance Option SVR 80% Complete / Alliance Option SVR 80% $200K-$499K Pro Pack (Principal & Interest) (Owner Occupied)
3.96%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 80% 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 ["Construction", "Equity", "Owner Occupied", "Vacant Land"], in ["NSW", "NT", "QLD", "SA", "WA", "VIC", "TAS", "ACT"].
- 5 - 30 years
The level of financial documentaion and credit history required to apply for the loan.
- Full Doc
- Credit History
- Genuine Saving
- Not Required
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 repaments 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
NOTE: RATE INCLUDES ANNUAL FEE OF $330.00. ADD 0.10% TO RATE TO REMOVE THE ANNUAL FEE. "QUOTED" NIL APPLICATION & LEGAL DOCUMENT PREPARTION FEE CURRENTLY APPLICABLE TO LOAN AMOUNTS ABOVE $200,000.00. One standard valuation (up to $275) and Solicitor Professional Fees (up to $363). Additional valuation fees are payable for properties over $1 Million and / or additional securities.) NOTE: Valuation Fee payable if application is declined or withdrawn post valuation. Valuation and Legal fees are payable by the borrower for loans amounts less than $200,000. The Complete Option Special is a 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. Maximum loan term of 25 or 30 years. 1, 2, 3, 4, 5 & 10 years 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 - Fixed Rate additional repayments (in excess of standard repayments) of up to $20,000 during the fixed rate term are permitted. - Direct Debit Card available (Not a Visa account) - Cash out up to 80% Unlimited. LVR >80% subject to LMI - For Self-employed applicants, ABN held for a minimum of two years and GST must be registered for at least 12 months - No access to available funds via Internet, card or phone on vacant land or construction loans, manual redraw is available, fees may be applicable. For more information contact your BDM.
Construction loans: Progress Valuation Fee $300 Construction Fee $520 ($300 Drawdown fee charged at first progress payment)