|
|
|
2.78%
|
2.79%
|
$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. Eligible refinancers can receive a cashback of $2,000 or more.
|
|
|
|
|
|
|
2.59%
|
2.59%
|
$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.
|
|
|
|
|
|
|
2.65%
|
2.66%
|
$0
|
$0 p.a.
|
80%
|
|
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.
|
|
|
|
|
|
|
2.29%
|
3.99%
|
$0
|
$395 p.a.
|
95%
|
|
A competitive fixed rate package loan for home buyers. $2,000 cashback offer for eligible refinancers.
|
|
|
|
|
|
|
2.64%
|
2.66%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
80%
|
|
Refinancers borrowing $250,000 or more can get a $2,000 cashback per property (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
2.19%
|
4.02%
|
$0
|
$395 p.a.
|
95%
|
|
Low deposit home loan. Enjoy flexible repayment options while paying limited fees.
|
|
|
|
|
|
|
2.55%
|
2.58%
|
$0
|
$0 p.a.
|
80%
|
|
This basic owner occupier home loan keeps rates and fees low.
|
|
|
|
|
|
|
2.49%
|
3.41%
|
$0
|
$395 p.a.
|
80%
|
|
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
|
|
|
|
|
|
|
2.29%
|
2.91%
|
$300
|
$10 monthly ($120 p.a.)
|
80%
|
|
Buy your home and lock in a low rate for the first two years. Get a $2,500 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 August and settle by 30 October 2020.
|
|
|
|
|
|
|
2.73%
|
3.18%
|
$0
|
$395 p.a.
|
80%
|
|
A low variable rate loan with a 100% offset account and package discounts.
|
|
|
|
|
|
|
2.64%
|
2.66%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
80%
|
|
Refinancers borrowing $250,000 or more can get a $2,000 cashback per property (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
2.59%
|
2.86%
|
$590
|
$15 monthly ($180 p.a.)
|
70%
|
|
Bluestone's Prime Direct is a competitive variable rate home loan for borrowers with 30% deposits.
|
|
|
|
|
|
|
2.49%
|
2.51%
|
$0
|
$0 p.a.
|
60%
|
|
A competitive rate with no application or ongoing fee. This loan is not available for construction.
|
|
|
|
|
|
|
2.80%
|
2.81%
|
$0
|
$0 p.a.
|
90%
|
|
A competitive value home loan with no ongoing fee.
|
|
|
|
|
|
|
2.60%
|
2.77%
|
$300
|
$10 monthly ($120 p.a.)
|
60%
|
|
A competitive variable rate loan for home buyers with large deposits. Get a $2,500 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 August and settle by 30 October 2020.
|
|
|
|
|
|
|
2.94%
|
2.95%
|
$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.
|
|
|
|
|
|
|
2.59%
|
3.39%
|
$0
|
$395 p.a.
|
80%
|
|
Get a low 3 year fixed rate with a 100% offset account and package discounts.
|
|
|
|
|
|
|
2.64%
|
2.66%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
80%
|
|
Refinancers borrowing $200,000 or more can get a $2,000 cashback per property (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.
|
|
|
|
|
|
|
2.78%
|
2.84%
|
$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.
|
|
|
|
|
|
|
2.64%
|
4.03%
|
$0
|
$0 p.a.
|
80%
|
|
Get a low fixed rate and pay no application or ongoing fees.
|
|
|
|
|
|
|
2.65%
|
2.67%
|
$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.
|
|
|
|
|
|
|
2.49%
|
4.12%
|
$595
|
$0 p.a.
|
90%
|
|
Investors can take advantage of a short term fixed rate with no ongoing fees.
|
|
|
|
|
|
|
2.09%
|
3.53%
|
$0
|
$0 p.a.
|
80%
|
|
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.
|
|
|
|
|
|
|
2.29%
|
3.12%
|
$395
|
$0 p.a.
|
80%
|
|
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
|
|
|
|
|
|
|
2.73%
|
2.78%
|
$600
|
$0 p.a.
|
95%
|
|
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.
|
|
|
|
|
|
|
2.29%
|
3.32%
|
$0
|
$375 p.a.
|
90%
|
|
Eligible refinancers can receive a cashback of $2,000 or more.
|
|
|
|
|
|
|
2.29%
|
2.90%
|
$395
|
$0 p.a.
|
80%
|
|
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
|
|
|
|
|
|
|
2.39%
|
3.14%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
|
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online. Available with a 5% deposit.
|
|
|
|
|
|
|
2.44%
|
3.57%
|
$395
|
$0 p.a.
|
80%
|
|
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
|
|
|
|
|
|
|
2.39%
|
3.08%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
|
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online. Available with a 10% deposit.
|
|
|
|
|
|
|
2.67%
|
2.70%
|
$250
|
$0 p.a.
|
90%
|
|
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.
|
|
|
|
|
|
|
2.69%
|
4.04%
|
$600
|
$0 p.a.
|
95%
|
|
Pay no ongoing fees and lock in your rate for 3 years to organise your budget. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs.
|
|
|
|
|
|
|
2.90%
|
2.92%
|
$0
|
$0 p.a.
|
80%
|
|
A low-fee line of credit loan from an online lender. Unlock the equity in your home and make interest-only repayments with a competitive rate. This loan is not available for construction.
|
|
|
|
|
|
|
2.39%
|
3.85%
|
$0
|
$395 p.a.
|
95%
|
|
Enjoy a competitive rate with no application fee for this package loan.
|
|
|
|
|
|
|
2.84%
|
3.29%
|
$0
|
$395 p.a.
|
80%
|
|
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
|
|
|
|
|
|
|
2.72%
|
2.76%
|
$595
|
$0 p.a.
|
80%
|
|
A discounted variable rate with low ongoing fees and redraw facility. Low deposit option available.
|
|
|
|
|
|
|
2.74%
|
3.59%
|
$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.
|
|
|
|
|
|
|
3.17%
|
3.19%
|
$0
|
$0 p.a.
|
80%
|
|
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
|
|
|
|
Assuming you have an outstanding loan amount of $500,000 and an interest rate of 5% p.a., your interest repayment for one day would be calculated using the following formula:
Susie is borrowing $700,000 to buy a house and she wants to save as much money on interest repayments as she possibly can. After comparing home loans with 100% offset accounts, Susie decides to calculate just how much difference a 0.25% p.a. difference in interest rates could make to the total cost of a loan.
