Flexi Specialist Full Doc Flexi Specialist Full Doc LVR >90% to 95%
8.44%p.a Standard Variable
About Better Mortgage Management
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 Equity and Owner Occupied in NSW, NT, QLD, SA, WA, VIC, TAS, and ACT.
- 10 - 40 years
The level of financial documentaion and credit history required to apply for the loan.
- Full Doc
- Credit History
- Non Conforming
- 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 repayments Fortnightly, Monthly, and Weekly.
- Interest Only Option
- Max Interest Only
- 5 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
Suited to self employed borrowers For purchase, re-finance and investment Unlimited cash out up to 80% LVR (including for business purpose) Debt consolidation (including ATO debts) 1 year ABN and 1 year GST registration required if income >$75K Any number of defaults or judgements permitted, paid or unpaid, if registered 1 year or more at application. Up to 1 Credit Event less than 1 year ago (Plus option). Part IX & X Acceptable; provided its paid in full, from loan proceeds, at settlement. Conduct must be perfect. Original listing must be > 1 years Up to 2 months arrears permitted with Plus option up to 75% LVR. 100% Offset Sub-account available with optional visa card. No additional costs to new customers. BMMs serviceability calculator is for use only with products & purposes specified in the calculator. BMMs product suites each have their own serviceability calculator, please contact BMM to obtain the most up-to-date calculator for the relevant product suite: email@example.com
Risk and Title Fees can be capitalised up to 80% LVR $2,500,000 up to 65% LVR $2,000,000 up to 70% LVR $1,750,000 up to 75% LVR $1,250,000 up to 80% LVR $750,000 up to 90% LVR $650,000 up to 95% LVR
Establishment fee includes one standard valuation to $275. $400 per loan of Title Insurance. Risk Fee: LVR 55% 0.25% LVR 65% 0.25% LVR 70% 0.75% LVR 75% 1.00% LVR 80% 1.50% LVR 95% 1.75%