Delphi Bank home loans
Home loan offers guide for deals from Delphi Bank.
Delphi Bank is a boutique financial services firm that helps their customers borrow and invest their money.
Who is Delphi Bank?
Delphi Bank offers a wide range of financial services to clients in Victoria, New South Wales and South Australia. It is also part of the Bendigo and Adelaide Bank family.
Delphi Bank was formed in March 2012 after the Bank of Cyprus Australia was acquired by Bendigo and Adelaide Bank. It offers a variety of home loan packages to meet the particular needs of borrowers.
Delphi Bank also prides itself on offering a personalised service. A delphi Bank advisor will speak to you about your requirements in detail at the start of the application process and may assist you in finalising the loan terms.
Compare Delphi Bank home loans
Home loans offered by Delphi Bank
Essential home loan
The Essential home loan is suitable for owner-occupiers and investors, and features a redraw facility and interest-only option. You also have the option to choose from fixed, variable or split interest rate. There are other benefits associated with this loan including the option to make lump sum payments, the flexibility of monthly and fortnightly repayment options and interest-only repayments for a set period.
Complete home loan
This is a no-frills, low-maintenance home loan that features competitive interest rates. It has no establishment fee and a redraw facility with access to internet banking.
Home Equity loan
Whether you’re looking to renovate your existing home or purchase an additional property, the Home Equity loan can combine all your credit and debit accounts into one. The key features of this product are that there are no set repayment and an interest-only repayment option.
Home loan package
If you want to take advantage of having a combined home loan and savings account, this may be the package for you. The Home loan package features no transaction and account-keeping fees if you link it with a Delphi Bank Liberty Account.
Other loan features include redraw facilities available 24/7; no fees for mortgage document preparation, renegotiation or valuation; and the ability to choose from variable, fixed and split rates. This package is available for owner-occupiers and investors.
Another type of home loan you can take advantage of from Delphi Bank is an Investment loan. You can decide among fixed, variable or combination interest rates, and what differentiates this loan from other products is the specialist advice you can receive regarding tax benefits if you are borrowing against the existing equity of your home to purchase a new property or shares.
Pros and cons of Delphi Bank home loans
- Fixed, variable, or split interest rates. You get to choose among fixed, variable or split interest rates on your home loan, so you can pick the option that suits your financial situation.
- Interest-only option. If your circumstances only allow you to pay off the interest rates for the first five years, Delphi Bank offers that option while allowing you to own your own home.
- Lack of branches. Delphi Bank only has branches in Victoria, New South Wales and South Australia.
How to apply for a Delphi Bank home loan
To apply for a home loan from Delphi Bank, please contact a mortgage broker. Your mortgage broker will assist you through the whole process from application to settlement.
Discuss Delphi Bank’s range of home loans with a mortgage broker and compare different products online to ensure you find the perfect home loan package for your personal and financial situation.
Home Loan OffersImportant Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+
Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.
Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees. Refinancers only.
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.
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