Business Easy Clear Business Easy Clear - LVR <80%
8.49%p.a 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 ["Equity", "Investment", "Owner Occupied"], in ["NSW", "NT", "QLD", "SA", "WA", "VIC", "TAS", "ACT"].
- 15 - 30 years
The level of financial documentaion and credit history required to apply for the loan.
- Full Doc
- Credit History
- Non Conforming
- 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 repaments 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.
Fees associated with prematurely ending the loan.
- Early Repayment
- Switch To Fixed
Bluestone's Business Easy product is designed for self-employed, companies and trusts who have been trading for less than 12 months where income is supported by bank statements showing regular trading income. Product Features Principal and Interest/Interest Only (for 3 or 5 years) No LMI Redraw Further Advances Available Split Loans Available Flexible Payment Options Weekly, Fortnightly, Monthly Further details can be obtained at www.bluestone.com.au.
Max LVR for non-metro is 75% and Max loan amount $500K. Please refer to product guide for max loan amounts as they may vary for metro also No LMI is applicable. Loan fees (except DEF and discharge ) can be capitilised into the loan amount as long as the LVR up to 80%. The fees are not considered part of the LVR.
Risk Fee: LVR up to 60%: 1.50% LVR up to 65%: 1.75% LVR up to 70%: 2.00% LVR up to 75%: 2.25% LVR up to 80%: 2.50% Title Insurance - Loans to $750,000 $350 including GST and Stamp Duty. $750,000 $1M Quote required Capitalisation of Fees. The fees above can be capitalised for all loans,(excluding discharge fees) with an LVR of = to 85% subject to the Loan plus all fees not exceeding 85%. Legal fees from $400. Please refer to lender.