Variable Home Loan F180 80% Variable Home Loan - F180 - <80% - (Principal & Interest) (Owner Occupied)
3.67%p.a Standard Variable
About Better Choice Home Loans
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 Bridging, 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
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
- Internet Banking
- Telephone Banking
- Credit Card
- BPay Option
- Portability of Loan
- Professional Pack
- Check Account
- Direct Salary Credit
- Free Transactions
- Minimum Redraw
- Redraw Fee
You can make your repayments Fortnightly, 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 Monthly
Fees associated with prematurely ending the loan.
- Early Repayment
- Switch To Fixed
Max 80% LVR available with 100% offset for new business only. Available for Owner Occupied and Investment purchases, refinances and construction loans. Non Genuine Savings. Owner Occupied Principal & Interest repayments only. Investment options of Principal & Interest or Interest Only Special Offer: Available for a limited time
95% LVR maximum inclusive of LMI for owner occupied purchase, refinance or vacant land. 90% LVR maximum plus LMI for investment refinance, purchase or vacant land. Annual fee applies (see fees sheet). EFM to 90%. NRAS purchase. Non genuine savings to 80% LVR, 5% saved over 3 months. NRAS refinance to 80% (houses only). 5% genuine savings over 3 months. P&I or Interest only options (Interest Only: Max LVR 70%). Available with Secured Visa at same rate, $20,000 in addition to Max 80% LVR. Available for construction as part of a loan split or once construction has complete.
NIL Application & Valuation Fee (First valuation is free, all additional valuations are at cost per security). Legal fees at cost.