| | |
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. | | |
| | |
1.88%
|
2.86%
|
$0
|
$0 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. | | |
| | |
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
| |
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 a $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.
| | |
| | |
1.75%
|
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
| | |
| | |
2.19%
|
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%
|
2.85%
|
$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.
| | |
| | |
1.69%
|
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. | | |
| | |
2.14%
|
2.16%
|
$0
|
$0 p.a.
|
60%
|
$566.11
| |
A competitive rate with no application or ongoing fee. This loan is not available for construction.
| | |
| | |
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.
| | |
| | |
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.
| | |
| | |
2.04%
|
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. | | |
| | |
2.58%
|
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. | | |
| | |
2.24%
|
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.
| | |
| | |
2.59%
|
2.63%
|
$595
|
$0 p.a.
|
80%
|
$600.83
| | $2,000 refinance cashback
$2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
1.99%
|
3.33%
|
$0
|
$395 p.a.
|
80%
|
$554.81
| |
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
| | |
| | |
2.59%
|
2.61%
|
$0
|
$0 p.a.
|
90%
|
$600.83
| | $2,000 cashback
With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get $2,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).
| | |
| | |
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.
| | |
| | |
2.04%
|
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. | | |
| | |
2.68%
|
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.
| | |
| | |
2.54%
|
2.56%
|
$0
|
$0 p.a.
|
80%
|
$596.91
| | Up to $4,000 refinance cashback
A competitive variable rate loan. Refinancers borrowing $250,000 or more can get a $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.
| | |
| | |
2.44%
|
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. | | |
| | |
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. 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 a $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
1.99%
|
3.26%
|
$0
|
$395 p.a.
|
95%
|
$554.81
| | Up to $4,000 refinance cashback
A competitive fixed rate loan. Refinancers borrowing $200,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
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%
|
2.61%
|
$0
|
$0 p.a.
|
80%
|
$600.83
| |
Competitive variable rate home loan. Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.58%
|
2.6%
|
$0
|
$0 p.a.
|
80%
|
$600.05
| |
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
| | |
| | |
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.
| | |
| | |
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. | | |
| | |
2.52%
|
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. | | |
| | |
2.09%
|
3.27%
|
$0
|
$395 p.a.
|
80%
|
$562.33
| |
Get a low 3 year fixed rate with a 100% offset account and package discounts.
| | |
| | |
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. | | |
| | |
2.54%
|
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.
| | |
| | |
2.58%
|
3.99%
|
$595
|
$0 p.a.
|
95%
|
$600.05
| | $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. | | |
| | |
2.09%
|
2.6%
|
$0
|
$0 p.a.
|
80%
|
$562.33
| |
Pay no ongoing fees on this investment loan fixed for 3 years.
| | |
| | |
2.48%
|
3.77%
|
$0
|
$395 p.a.
|
95%
|
$592.23
| | $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. | | |
| | |
2.59%
|
3.05%
|
$0
|
$395 p.a.
|
80%
|
$600.83
| |
A competitive variable rate package home loan with a 100% offset account. Eligible refinancers can get a $2,000 cashback. | | |
| | |
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. | | |
| | |
2.64%
|
2.59%
|
$0
|
$0 p.a.
|
80%
|
$604.76
| |
A competitive investor variable rate that falls as you build equity.
| | |
| | |
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. | | |
| | |
2.54%
|
2.55%
|
$0
|
$0 p.a.
|
90%
|
$596.91
| |
A competitive value home loan with no ongoing fee.
| | |
| | |
2.24%
|
2.64%
|
$0
|
$0 p.a.
|
80%
|
$573.72
| |
Pay no ongoing fees on this investment loan fixed for 3 years.
| | |
| | |
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.
| | |
| | |
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.
| | |
| | |
2.09%
|
2.3%
|
$0
|
$0 p.a.
|
80%
|
$562.33
| |
A competitive 3 year fixed rate with no ongoing bank 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.
Both pages have a comparison table you can use to find the right lender for you. Once you have chosen a particular lender, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance.
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