Complete Alliance Option SVR 80% Complete / Alliance Option SVR 80% $200K-$499K Pro Pack (Principal & Interest) (Owner Occupied)

  • 4.01%
    p.a Standard Variable
  • 4.07%
    p.a Comparison**
  • $638
    Upfront fees
  • $120
    Annual fees
  • 80%
    Max LVR
  • $1,859
    Per Month*

About Australian First Mortgage

Established in 2003, AFM is an award winning non-bank mortgage manager. An Australian owned business who offer competitive residential, commercial and leasing finance. AFM is funded by a select group of Australian banks and wholesale lending institutions including Bendigo and Adelaide Bank, NAB’s Advantedge Financial Services, Resimac, ING Bank and Pepper Home Loans. The company manage funds in excess of $2 billion. AFM employs and runs a dedicated team of Business Development and State Sales Managers to support, facilitate and train its accredited mortgage brokers. It also employs a national team of Credit Managers, with, in some instances, combined delegated lending authorities of up to $2 million.

Standard Variable

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, and Vacant Land 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
Not Required

Redraw Facility

Get quick access to cash by drawing on the loan to pay for renovations or other purchases.

Redraw Facility
Min Redraw
Redraw fee

Banking Features

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 Fees

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.


Ongoing Fees

Monthly and annual fees and charges during the loan period.

Ongoing Yearly

Exit Fees

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.

Fee Notes

Construction loans: Progress Valuation Fee $300 Construction Fee $520 ($300 Drawdown fee charged at first progress payment) One standard valuation is included in settlement fee.

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided