|
|
|
2.84%
|
2.84%
|
$0
|
$0 p.a.
|
80%
|
|
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
|
|
|
|
|
|
|
2.99%
|
3.01%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
80%
|
|
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
2.99%
|
3.01%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
80%
|
|
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
2.84%
|
2.80%
|
$0
|
$0 p.a.
|
80%
|
|
Owner occupiers can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees.
|
|
|
|
|
|
|
3.03%
|
3.04%
|
$0
|
$0 p.a.
|
90%
|
|
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.
|
|
|
|
|
|
|
2.78%
|
2.80%
|
$0
|
$0 p.a.
|
75%
|
|
A competitive interest rate for borrowers with 25% deposits saved. Unlimited redraw and extra repayments, plus no ongoing fees.
|
|
|
|
|
|
|
2.99%
|
3.01%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
90%
|
|
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
2.88%
|
2.90%
|
$0
|
$0 p.a.
|
80%
|
|
Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
|
|
|
|
|
|
|
3.05%
|
3.50%
|
$0
|
$395 p.a.
|
80%
|
|
A low variable rate loan with a 100% offset account and package discounts.
|
|
|
|
|
|
|
2.89%
|
3.77%
|
$0
|
$395 p.a.
|
80%
|
|
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
2.89%
|
3.77%
|
$0
|
$395 p.a.
|
80%
|
|
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
3.09%
|
3.09%
|
$0
|
$0 p.a.
|
70%
|
|
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
|
|
|
|
|
|
|
2.89%
|
3.81%
|
$0
|
$395 p.a.
|
80%
|
|
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
3.33%
|
3.34%
|
$0
|
$0 p.a.
|
110%
|
|
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.
|
|
|
|
|
|
|
2.79%
|
2.83%
|
$600
|
$10 monthly ($120 p.a.)
|
70%
|
|
A very low variable interest rate for home buyers with a 30% deposit. This product has a 100% offset account.
|
|
|
|
|
|
|
2.74%
|
2.77%
|
$0
|
$0 p.a.
|
80%
|
|
A low rate variable mortgage with minimal fees and redraw facility. Requires a 20% deposit. For every complete application Homestar will donate $250 to select charities to help bushfire victims.
|
|
|
|
|
|
|
2.90%
|
2.92%
|
$0
|
$0 p.a.
|
80%
|
|
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.
|
|
|
|
|
|
|
3.13%
|
3.19%
|
$449
|
$0 p.a.
|
90%
|
|
NSW and ACT customers only. You can get an interest rate discount for a limited time with this competitive variable mortgage.
|
|
|
|
|
|
|
2.79%
|
4.04%
|
$0
|
$395 p.a.
|
90%
|
|
Get one of the lowest fixed mortgage rates on the market plus a 100% offset account. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
|
|
|
|
|
|
|
3.19%
|
3.23%
|
$595
|
$0 p.a.
|
90%
|
|
$2,500 cashback for first home buyers (owner occupier loans with P&I repayments, borrowing $250K or more).
|
|
|
|
|
|
|
3.04%
|
3.04%
|
$0
|
$0 p.a.
|
95%
|
|
This flexible, basic home loan offers a very low rate and you only need a 5% deposit.
|
|
|
|
|
|
|
2.74%
|
3.38%
|
$395
|
$0 p.a.
|
80%
|
|
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
|
|
|
|
|
|
|
2.84%
|
3.42%
|
$449
|
$6 monthly ($72 p.a.)
|
95%
|
|
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online. Available with a 5% deposit.
|
|
|
|
|
|
|
3.01%
|
3.04%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive, flexible variable rate mortgage for home buyers borrowing above $500,000. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs.
|
|
|
|
|
|
|
2.88%
|
2.92%
|
$600
|
$10 monthly ($120 p.a.)
|
80%
|
|
A competitive variable rate for home buyers with a 20% deposit. This product has a 100% offset account.
|
|
|
|
|
|
|
2.79%
|
3.25%
|
$300
|
$10 monthly ($120 p.a.)
|
80%
|
|
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit.
|
|
|
|
|
|
|
2.89%
|
3.74%
|
$0
|
$0 p.a.
|
90%
|
|
A discounted 2 years fixed rate for home buyers. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
|
|
|
|
|
|
|
3.19%
|
3.19%
|
$0
|
$0 p.a.
|
80%
|
|
Pay no application and ongoing fees and take advantage of split and redraw options.
|
|
|
|
|
|
|
2.79%
|
3.82%
|
$0
|
$0 p.a.
|
90%
|
|
Get one of the lowest rates on the market with this fixed rate mortgage. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
|
|
|
|
|
|
|
3.17%
|
4.36%
|
$0
|
$395 p.a.
|
80%
|
|
Investors can lock in their rate for two years and pay no upfront fees.
|
|
|
|
|
|
|
3.19%
|
3.45%
|
$0
|
$248 p.a.
|
80%
|
|
Has a 100% offset account which helps you save on the amount of interest you pay on your mortgage.
|
|
|
|
|
|
|
3.24%
|
3.20%
|
$0
|
$0 p.a.
|
80%
|
|
Athena offers one of the lowest rates in the market for investors. No ongoing fees and no application fee. Principal and interest repayments.
|
|
|
|
|
|
|
3.04%
|
3.06%
|
$0
|
$0 p.a.
|
90%
|
|
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
|
|
|
|
|
|
|
2.89%
|
3.04%
|
$0
|
$0 p.a.
|
70%
|
|
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit.
|
|
|
|
|
|
|
3.12%
|
3.28%
|
$300
|
$10 monthly ($120 p.a.)
|
80%
|
|
This flexible, competitive variable rate mortgage comes with a 100% offset account and redraw facility.
|
|
|
|
|
|
|
3.59%
|
3.79%
|
$599
|
$10 monthly ($120 p.a.)
|
80%
|
|
This is a competitive, flexible variable rate suitable for borrowers with a good credit history. Borrow up to 80%.
|
|
|
|
|
|
|
2.89%
|
3.66%
|
$0
|
$0 p.a.
|
90%
|
|
Discounted 3 years fixed rate with no ongoing fees and a redraw facility. Guarantor option available. NSW, QLD and ACT residents only.
|
|
|
|
|
|
|
2.69%
|
3.19%
|
$395
|
$0 p.a.
|
80%
|
|
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
|
|
|
|
|
|
|
3.19%
|
3.21%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive variable investor rate for borrowers with 20% deposits. Low fees, redraw facilities and repayment flexibility.
|
|
|
|
|
|
|
2.79%
|
3.22%
|
$300
|
$10 monthly ($120 p.a.)
|
80%
|
|
A competitive fixed rate mortgage available with a 10% deposit.
|
|
|
|
|
|
|
3.24%
|
3.24%
|
$0
|
$0 p.a.
|
80%
|
|
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
|
|
|
|
|
|
|
3.29%
|
3.32%
|
$0
|
$0 p.a.
|
80%
|
|
Investors with 20% deposits can get this flexible variable mortgage with low fees and a reasonable rate.
|
|
|
|
|
|
|
3.19%
|
3.59%
|
$0
|
$395 p.a.
|
90%
|
|
New borrowers or refinancers can get a discounted rate with this package loan. $2,500 cashback for first home buyers (owner occupier loans with P&I repayments, borrowing $250K or more).
|
|
|
|
|
|
|
3.20%
|
3.22%
|
$0
|
$0 p.a.
|
90%
|
|
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.
|
|
|
|
|
|
|
3.23%
|
3.90%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
|
NSW and ACT customers only. A 3 years fixed rate investor which allows extra repayments to be made.
|
|
|
|
|
|
|
3.74%
|
3.78%
|
$300
|
$10 monthly ($120 p.a.)
|
80%
|
|
A variable rate home loan with no application fees.
|
|
|
|
|
|
|
3.59%
|
3.37%
|
$375
|
$15 monthly ($180 p.a.)
|
80%
|
|
Home buyers with a 20% deposit can get this low interest-only rate. It also comes with a 100% offset account.
|
|
|
|
|
|
|
2.84%
|
3.59%
|
$395
|
$0 p.a.
|
80%
|
|
Pay no ongoing fees on this investment loan fixed for 3 years.
|
|
|
|
|
|
|
4.84%
|
4.99%
|
$0
|
$395 p.a.
|
80%
|
|
Pay no application fee with 100% offset account with redraw facility and borrow up to 95% LVR.
|
|
|
|
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