| |
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.
| | | |
| |
2.29%
| 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. | | | |
| |
2.54%
| 2.55% |
$0
|
$0 p.a.
|
80% |
$596.91
|
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.
| | | |
| |
2.54%
| 2.56% |
$0
|
$0 p.a.
|
80% |
$596.91
| Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up to $4,000 cashback and borrow up to 80% of the property's value (terms, conditions & exclusions apply). | | | |
| |
2.49%
| 2.49% |
$0
|
$0 p.a.
|
60% |
$593.01
|
A competitive variable rate home loan for owner-occupiers. Requires a 40% deposit.
| | | |
| |
1.88%
| 2.98% |
$0
|
$0 p.a.
|
80% |
$546.6
|
Lock in a competitive fixed rate for 2 years and buy your home with a 20% deposit.
| | | |
| |
1.75%
| 2.22% |
$0
|
$0 p.a.
|
80% |
$537
| This very low fixed rate is only available until 26 February 2021. Other conditions apply. A competitive fixed rate loan with no ongoing fees. Requires a 20% deposit
| | | |
| |
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.
| | | |
| |
1.94%
| 2.18% |
$250
|
$0 p.a.
|
90% |
$551.07
|
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.
| | | |
| |
1.89%
| 2.94% |
$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.
| | | |
| |
2.09%
| 3.46% |
$0
|
$395 p.a.
|
95% |
$562.33
|
Lock in a low fixed rate for the first two years. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply | | | |
| |
2.09%
| 3.5% |
$0
|
$395 p.a.
|
95% |
$562.33
| Up to $3,000 refinance cashback.
Competitive fixed rate home loan. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply. | | | |
| |
2.59%
| 2.6% |
$0
|
$0 p.a.
|
80% |
$600.83
|
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.
| | | |
| |
2.17%
| 2.2% |
$250
|
$0 p.a.
|
80% |
$568.39
|
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee. This special discount rate is available for new borrowers who apply and get approved by 30 November 2020. Not available for construction purposes. | | | |
| |
2.04%
| 2.79% |
$300
|
$10 monthly ($120 p.a.)
|
80% |
$558.56
| $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 26 February 2021 and settle by 28 May 2021. | | | |
| |
2.49%
| 2.76% |
$0
|
$0 p.a.
|
60% |
$593.01
|
A sharp variable rate with low fees for borrowers with 40% deposits or refinancers with equity in their properties.
| | | |
| |
2.59%
| 2.61% |
$0
|
$0 p.a.
|
90% |
$600.83
| Up to $4,000 refinance cashback.
With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply). | | | |
| |
2.04%
| 2.17% |
$250
|
$0 p.a.
|
90% |
$558.56
|
A low 3 year fixed rate for home buyers. Add a 100% offset account with a $10 monthly fee. Not available for construction purposes. | | | |
| |
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.
| | | |
| |
2.54%
| 2.56% |
$0
|
$0 p.a.
|
80% |
$596.91
| Up to $4,000 refinance cashback
A competitive variable rate loan from Bank of Melbourne. Refinancers borrowing $250,000 or more can get $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.
| | | |
| |
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.
| | | |
| |
2.09%
| 3.46% |
$0
|
$395 p.a.
|
95% |
$562.33
|
Competitive fixed rate loan. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply | | | |
| |
2.54%
| 2.56% |
$0
|
$0 p.a.
|
80% |
$596.91
| Up to $4,000 refinance cashback
A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). | | | |
| |
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. You will need a 30% deposit or equity to get this loan. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply. | | | |
| |
1.94%
| 3.21% |
$0
|
$395 p.a.
|
80% |
$551.07
|
A competitive fixed rate loan. Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). | | | |
| |
1.94%
| 3.21% |
$0
|
$395 p.a.
|
80% |
$551.07
|
A competitive fixed rate loan. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply | | | |
| |
1.99%
| 3.26% |
$0
|
$395 p.a.
|
95% |
$554.81
|
A competitive fixed rate loan. Refinancers borrowing $200,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply | | | |
| |
2.55%
| 2.6% |
$600
|
$0 p.a.
|
95% |
$597.7
|
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%
| 2.17% |
$250
|
$0 p.a.
|
90% |
$554.81
|
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes. | | | |
| |
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. | | | |
| |
2.29%
| 2.23% |
$0
|
$0 p.a.
|
80% |
$577.55
|
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.
| | | |
| |
2.52%
| 2.55% |
$250
|
$0 p.a.
|
90% |
$595.35
|
A very low variable interest rate for borrowers with a 10% deposit. Add a 100% offset account for $10 a month. Not available for construction purposes. | | | |
| |
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 26 February 2021 and settle by 28 May 2021. | | | |
| |
2.09%
| 3.46% |
$0
|
$395 p.a.
|
80% |
$562.33
|
Competitive fixed rate loan. Refinancers borrowing $200,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply | | | |
| |
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.
| | | |
| |
2.74%
| 2.74% |
$0
|
$0 p.a.
|
80% |
$612.67
|
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
| | | |
| |
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.
| | | |
| |
2.59%
| 2.56% |
$0
|
$0 p.a.
|
70% |
$600.83
|
Athena's refinance offer for investors and owner occupiers.
| | | |
| |
2.09%
| 2.6% |
$0
|
$0 p.a.
|
80% |
$562.33
|
Pay no ongoing fees on this investment loan fixed for 3 years.
| | | |
| |
2.64%
| 2.59% |
$0
|
$0 p.a.
|
80% |
$604.76
|
A competitive investor variable rate that falls as you build equity.
| | | |
| |
2.64%
| 2.65% |
$0
|
$0 p.a.
|
90% |
$604.76
|
A competitive value home loan with no ongoing fee.
| | | |
| |
2.64%
| 2.64% |
$0
|
$0 p.a.
|
80% |
$604.76
|
Pay no application and ongoing fees and take advantage of split and redraw options.
| | | |
| |
2.84%
| 2.68% |
$0
|
$0 p.a.
|
80% |
$620.63
|
A competitive interest-only investor rate with no application or ongoing fees. Requires a 20% deposit.
| | | |
| |
3.34%
| 3.37% |
$0
|
$0 p.a.
|
90% |
$661.31
|
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
| | | |
| |
2.84%
| 2.46% |
$0
|
$0 p.a.
|
80% |
$620.63
|
Owner occupiers can refinance to one of the most competitive interest-only rates in the market. No application fee and no ongoing fees.
| | | |
My husband 75 years and I 70 years. We are planning to sell the family home in 12 to 18 months. We have tried to access a reverse mortgage from CWB ( who we bank with ) and have been refused. We run a B&B from our family home and have done for 10 years. We have also gone security guarantor for our son and his wife (160,000) with Westpac. We own our home which has been valued by a valuer at $1.500.000. We have no debts and have never had a bad credit rating. Could you please advise us where to apply and if you think we have any chance of accessing around $30,000. Thank you.
Hello Frances,
Thank you for your inquiry.
May I confirm if both of you are pensioners? If you are, we have a full-guide written for pensioners who are seeking home loans. On that page, we have listed some tips on how to apply for a home loan, the types of home loans you may qualify for, and the advantages and disadvantages of pensioner home loans.
Should you identify that reverse mortgage suits you, we have a list of lenders that you may consider. Take note that you need to review their requirements and loan terms before proceeding.
Alternatively, you may consult a mortgage broker for a personalized advice based on your needs.
Hope this helps.
Cheers,
Jonathan