Ezy Prime Variable No Ongoing Fees Ezy Prime Variable No Ongoing Fees - LVR >80% <90% (Owner Occupied)
3.94%p.a Standard Variable
About Mortgage Ezy
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 90% 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 Owner Occupied 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
- 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.
Fees associated with prematurely ending the loan.
- Early Repayment
- Switch To Fixed
If Interest Only, Add 0.60% to the Rate. Add 0.25% for above 80% LVR - 90% LVR. Available for Personal, Company and Trust borrowers. Owner Occupied or Investment, Purchase and Refinance. Statements Issued 6 monthly (January June & July December). Redraw available, no minimum withdrawal and unlimited transactions. Account Access: - Internet and Phone transfer access to nominated account with no daily limit - Visa debit card - 100% Offset - BPAY of bills using phone or internet access - Pay your bills using third party direct debit - Same day telegraphic transfer / Manual Redraw to third party accounts Substitution of security available subject to credit assessment. Repayment Frequency: - Via Direct Debit - Monthly or fortnightly (interest only must be monthly) - Via Salary / Self credit any frequency permitted. Methods: - Direct Debit Repayment drawn form a nominated account - Salary Credit Wages directly credited into account - Self Credit Direct or lump sum credits made into account from another financial institution. Extra repayments may be made at any time without penalty. Transaction Fees: - Free deposits via deposit book - Unlimited free phone and internet transactions - Manual telegraphic transfer $25 (processed via Client Care) - Free manual redraw to third party account (processed via Client Care)
95% inc. LMI for O/O purchases, 90% plus LMI for O/O refinance. No construction for Owner Occupied. Max equity release (cash out) where loan funds are released directly to the borrower, regardless of the proposed purpose are unlimited to 80% LVR, >80% and <90% limited to 20% of security value.
$250 Establishment fee includes 1 Valuation up to $330 if paid at application lodgment, otherwise actual cost of Valuation charged.