| | |
1.89%
|
2.85%
|
$0
|
$0 p.a.
|
80%
|
$547.35
| |
Lock in a low fixed rate loan for two years and get the annual package fee waived in the first year. Available for borrowers with 20% deposits.
| | |
| | |
1.88%
|
2.86%
|
$0
|
$390 p.a.
|
80%
|
$546.6
| | $3,288 refinance cashback offer Lock in a low fixed rate for 2 years and buy your home with a 20% deposit. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply. | | |
| | |
1.75%
|
2.22%
|
$0
|
$0 p.a.
|
80%
|
$537
| | This very low fixed rate is only available until 29 April 2021. Other conditions apply. A competitive fixed rate loan with no ongoing fees. Requires a 20% deposit
| | |
| | |
2.29%
|
2.72%
|
$0
|
$8 monthly ($96 p.a.)
|
95%
|
$577.55
| | Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply. | | |
| | |
1.84%
|
3.38%
|
$0
|
$395 p.a.
|
80%
|
$543.64
| | Up to $4,000 refinance cashback Borrowers with 20% deposits or equity can get this competitive fixed rate loan. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.19%
|
2.19%
|
$0
|
$0 p.a.
|
60%
|
$569.91
| |
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.
| | |
| | |
1.99%
|
3.1%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
Get a low fixed rate package with no application or settlement fee. Available with a 20% deposit. Other fees and charges apply.
| | |
| | |
1.99%
|
2.47%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
Home buyers can get a very low discounted variable rate for the first year. This loan has a revert rate of 2.48%. Requires a 20% deposit. Add an offset account for an additional 0.10% on your interest rate. | | |
| | |
1.89%
|
3.46%
|
$0
|
$395 p.a.
|
95%
|
$547.35
| | Up to $3,000 refinance cashback. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply. | | |
| | |
2.09%
|
2.43%
|
$0
|
$0 p.a.
|
70%
|
$562.33
| |
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit. Refinancers can switch with a convenient digital application.
| | |
| | |
2.49%
|
2.51%
|
$0
|
$0 p.a.
|
80%
|
$593.01
| | Up to $4,000 refinance cashback Get this low-rate variable loan with a 20% deposit and pay $0 application fee. Borrow from $150k (or $250k to be eligible for the cashback offer) (terms, conditions & exclusions apply).
| | |
| | |
2.34%
|
2.34%
|
$0
|
$0 p.a.
|
80%
|
$581.39
| |
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
| | |
| | |
2.44%
|
2.45%
|
$0
|
$0 p.a.
|
80%
|
$589.12
| | $3,288 refinance cashback offer Get a low interest variable rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. If you're refinancing $250,000 or above you can get a $3,288 cashback. Terms and conditions apply. | | |
| | |
1.99%
|
2.33%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
| | |
| | |
2.14%
|
2.16%
|
$0
|
$0 p.a.
|
60%
|
$566.11
| |
A competitive rate with no application or ongoing fees. This loan is not available for construction.
| | |
| | |
1.69%
|
3.49%
|
$0
|
$0 p.a.
|
110%
|
$532.6
| | Requires a family member to act as guarantor. Get one of the lowest rates on the market with this fixed rate mortgage and borrow more with help from a family guarantor. NSW, QLD and ACT residents only. | | |
| | |
2.49%
|
2.49%
|
$0
|
$0 p.a.
|
60%
|
$593.01
| |
A competitive variable rate home loan for owner-occupiers. Requires a 40% deposit. Refinancers can switch with a convenient digital application.
| | |
| | |
2.28%
|
3.15%
|
$0
|
$375 p.a.
|
80%
|
$576.78
| |
Lock in a low fixed rate loan for three years and get the annual package fee waived in the first year. Available for borrowers with 10% deposits.
| | |
| | |
2.44%
|
2.45%
|
$0
|
$0 p.a.
|
80%
|
$589.12
| |
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.
| | |
| | |
1.97%
|
2.81%
|
$449
|
$6 monthly ($72 p.a.)
|
95%
|
$553.31
| | NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online. Available with a 10% deposit.
| | |
| | |
1.94%
|
2.77%
|
$300
|
$10 monthly ($120 p.a.)
|
80%
|
$551.07
| | $3,000 refinance cashback. Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 28 May 2021 and settle by 27 August 2021. | | |
| | |
2.49%
|
2.51%
|
$0
|
$0 p.a.
|
80%
|
$593.01
| | Up to $4,000 refinance cashback A competitive variable rate loan. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.24%
|
2.26%
|
$0
|
$0 p.a.
|
90%
|
$573.72
| |
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments. This loan is not available for construction.
| | |
| | |
2.49%
|
2.51%
|
$0
|
$0 p.a.
|
80%
|
$593.01
| | Up to $4,000 refinance cashback A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
1.94%
|
3.21%
|
$0
|
$395 p.a.
|
80%
|
$551.07
| | Up to $4,000 refinance cashback Lock in a low fixed rate loan for four years. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.35%
|
2.4%
|
$600
|
$0 p.a.
|
95%
|
$582.16
| |
Home buyers can get a competitive, low-fee variable rate plus a 100% offset account. Low deposit option available. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs. Eligible refinancers can get a $2,000 pre-paid credit card when they switch to CUA. | | |
| | |
1.99%
|
3.29%
|
$0
|
$395 p.a.
|
95%
|
$554.81
| | Up to $3,000 refinance cashback. Lock in a very low rate for four years with this owner occupier loan. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply. | | |
| | |
1.89%
|
3.43%
|
$0
|
$395 p.a.
|
80%
|
$547.35
| | Up to $4,000 refinance cashback. Fix to a low rate for two years and forget about rate rises. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
1.84%
|
3.38%
|
$0
|
$395 p.a.
|
80%
|
$543.64
| | Up to $4,000 refinance cashback Get a competitive home loan rate for two years. Requires at least a 20% deposit. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
1.99%
|
2.7%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
Home buyers can lock in this low fixed rate for two years. This loan also allows extra repayments. Requires a 20% deposit.
| | |
| | |
1.99%
|
3.26%
|
$0
|
$395 p.a.
| |
$554.81
| | Up to $4,000 refinance cashback A competitive fixed rate loan. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.19%
|
4.23%
|
$600
|
$8 monthly ($96 p.a.)
|
95%
|
$569.91
| |
Get a partial offset account and the option to make interest-only repayments.
| | |
| | |
1.94%
|
3.21%
|
$0
|
$395 p.a.
|
80%
|
$551.07
| | Up to $4,000 refinance cashback Lock in a very low rate for four years. Requires a 20% deposit. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.24%
|
2.21%
|
$0
|
$0 p.a.
|
70%
|
$573.72
| |
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.
| | |
| | |
2.28%
|
3.84%
|
$0
|
$395 p.a.
|
95%
|
$576.78
| | $2,000 refinance cashback Enjoy a competitive rate with no application fee for this package loan. $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.59%
|
2.6%
|
$0
|
$0 p.a.
|
110%
|
$600.83
| |
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, QLD and ACT only. | | |
| | |
2.58%
|
2.64%
|
$449
|
$0 p.a.
|
80%
|
$600.05
| |
A competitive variable rate for borrowers with 20% deposits saved. Available for NSW and ACT borrowers only. | | |
| | |
2.69%
|
2.52%
|
$0
|
$0 p.a.
|
80%
|
$608.71
| |
A competitive rate with no application or ongoing fee. This loan is not available for construction.
| | |
| | |
2.14%
|
2.35%
|
$0
|
$0 p.a.
|
80%
|
$566.11
| |
A one year fixed rate offer with no ongoing bank fees.
| | |
| | |
2.59%
|
2.64%
|
$600
|
$0 p.a.
|
80%
|
$600.83
| | Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
| | |
| | |
2.14%
|
2.71%
|
$0
|
$0 p.a.
|
80%
|
$566.11
| |
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
| | |
| | |
2.39%
|
3.15%
|
$0
|
$350 p.a.
|
95%
|
$585.25
| |
Get a partial offset account and flexible repayments with this package loan.
| | |
| | |
2.54%
|
2.54%
|
$0
|
$0 p.a.
|
60%
|
$596.91
| |
Investors with large 40% deposits or equity can get this low variable rate. A competitive option for investors looking to refinance.
| | |
| | |
1.99%
|
2.71%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
If you have an owner occupier loan with loans.com.au you can also get this very low rate variable mortgage for your investment property. Principal and interest repayments. Add an offset account for an additional 0.10% on your interest rate. | | |
| | |
2.19%
|
2.53%
|
$0
|
$0 p.a.
|
80%
|
$569.91
| |
Borrow up to $750,000 with this basic 3 years fixed rate home loan. Refinancers can switch with a convenient digital application.
| | |
| | |
2.54%
|
2.56%
|
$0
|
$0 p.a.
|
90%
|
$596.91
| | $2,000 cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get a $2,000 cashback (terms, conditions & exclusions apply)
| | |
| | |
2.39%
|
2.41%
|
$0
|
$0 p.a.
|
80%
|
$585.25
| |
This investment loan keeps fees low, has a sharp interest rate and comes with a 100% offset account. This loan is not available for construction.
| | |
| | |
2.59%
|
2.63%
|
$595
|
$0 p.a.
|
80%
|
$600.83
| | $2,000 refinance cashback $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.55%
|
3.01%
|
$0
|
$395 p.a.
|
80%
|
$597.7
| | $2,000 refinance cashback. Eligible customers who apply to move their home loan to Bankwest by 30 June 2021 can get a $2,000 cashback. To qualify you must refinance a minimum loan amount of $250,000 or more with an LVR of 80% or lower. The loan must be funded by 31 August 2021 (other terms, conditions and exlcusions apply).
| | |
| | |
2.68%
|
2.74%
|
$449
|
$0 p.a.
|
95%
|
$607.92
| | NSW and ACT customers only. You can get an interest rate discount for a limited time with this competitive variable mortgage.
| | |
| | |
2.59%
|
2.61%
|
$0
|
$0 p.a.
|
90%
|
$600.83
| |
Save on interest with a free 100% offset account and buy your property with just a 10% deposit. This loan is not available for construction.
| | |
| | |
2.59%
|
2.76%
|
$300
|
$10 monthly ($120 p.a.)
|
60%
|
$600.83
| | $3,000 refinance cashback. A variable rate loan for owner occupiers with a 40% deposit (or equity) borrowing under $500,000. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 28 May 2021 and settle by 27 August 2021. | | |
| | |
2.54%
|
2.56%
|
$0
|
$0 p.a.
|
90%
|
$596.91
| | $2,000 cashback A competitive variable rate loan. Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.19%
|
3.72%
|
$0
|
$395 p.a.
|
95%
|
$569.91
| | $2,000 refinance cashback Enjoy a discounted fixed rate and the ability to package the loan with other financial products. $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.49%
|
3.36%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
$593.01
| | NSW and ACT customers only. A 3 years fixed rate investor which allows extra repayments to be made.
| | |
| | |
2.38%
|
4.11%
|
$595
|
$0 p.a.
|
90%
|
$584.48
| | $2,000 refinance cashback Competitive fixed rate for home buyers.Available with a 10% deposit.$2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.94%
|
3.34%
|
$0
|
$395 p.a.
|
95%
|
$628.65
| | $2,000 refinance cashback New borrowers or refinancers can get a discounted rate with this package loan. $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.5%
|
2.67%
|
$300
|
$10 monthly ($120 p.a.)
|
60%
|
$593.79
| |
A variable rate loan for owner occupiers with a 40% deposit (or equity).
| | |
| | |
2.54%
|
2.55%
|
$0
|
$0 p.a.
|
90%
|
$596.91
| |
A competitive value home loan with no ongoing fee.
| | |
| | |
2.29%
|
3.94%
|
$595
|
$0 p.a.
|
95%
|
$577.55
| | $2,000 refinance cashback Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees. $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
Just pay off almost the whole loan but leave $50 owing.
I did this last time I exited a Comm bank Homeloan and as the costs were based on 3 months of interest of the outstanding amount when I went back later to pay the $50 off it was just a couple of bucks.
I have been with ANZ and have switched to another lender. ANZ have charged an ANZ Discharge Production Fee and a ANZ Settlement Fee, both of these fees were listed in the contract so I assume that these are valid fees.
However they have also charged a Discharge Registration Fee (For WA only) $164.00
I can’t seem to find anything about this fee, is this a legitimate fee?
Hi Max,
Thanks for the question!
After some research I found that this could be a state government fee that is payable to Landgate, the Western Australian Land Information Authority, for discharging, transferring, or lodging a mortgage. More information can be found on the Landgate fees breakdown page, but you may wish to query it with ANZ to find out if this is the same fee.
I hope this helps,
Marc
I’m with Bankwest variable home loan under 2 years what fees do I have to pay if I sell my house at this stage?
Hi Richard,
thanks for the question.
For the most accurate estimation of the fees you’ll pay if leaving your loan, contact Bankwest. They will be able to provide you with a quote.
Generally speaking, the exit fees depend on the specific home loan product and lender, but many lenders charge fees around $300 when discharging a home loan.
I hope this helps,
Marc.
I have been with westpac home loan for 6 years..and my home loan is variable..i would like to pay my loan out all..what fees do i have to pay…
Hi Zeia,
Thanks for reaching out.
I can confirm that there is no early exit fee for any Westpac variable rate home loan. However, to discharge a mortgage there is a fee of $350.
Kind regards,
Belinda
Hi there,
Do you know the exit fees for our variable rate home loan with St George : for $ 300k ?
Hi Gareth,
Thanks for your inquiry.
Unfortunately, we do have the information as to how much the exit fees charged by St. George on their variable home loan product. Usually, the exit fee varies from bank to bank. You’d be best if you contact St. George directly to find out how much they would charge for the exit fee.
Cheers,
May