|
|
|
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.
|
|
|
|
|
|
|
2.84%
|
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.
|
|
|
|
|
|
|
2.88%
|
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.
|
|
|
|
|
|
|
3.18%
|
3.24%
|
$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.
|
|
|
|
|
|
|
3.44%
|
3.41%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
Enjoy a competitive fixed rate with no application fee. Eligible borrowers can earn Velocity Frequent Flyer Points with this mortgage, and extra bonus points for a limited time.
|
|
|
|
|
|
|
2.77%
|
2.78%
|
$0
|
$0 p.a.
|
80%
|
|
A very competitive variable rate mortgage for home buyers with a 20% deposit saved. Add an optional 100% offset account for a $10 monthly fee.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
2.95%
|
2.99%
|
$500
|
$0 p.a.
|
95%
|
|
This mortgage combines a very sharp interest rate with a 100% offset account and it's available with a 5% deposit.
|
|
|
|
|
|
|
3.03%
|
3.06%
|
$0
|
$0 p.a.
|
80%
|
|
This low, variable rate loan has no ongoing fees and a redraw facility. 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.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
2.69%
|
3.19%
|
$395
|
$0 p.a.
|
80%
|
|
A competitive fixed interest rate product with no ongoing bank fees.
|
|
|
|
|
|
|
3.09%
|
3.09%
|
$0
|
$0 p.a.
|
80%
|
|
This low variable rate loan comes with a free redraw account and no ongoing fees, as well as flexible repayments.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
2.84%
|
3.37%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
|
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.
|
|
|
|
|
|
|
2.74%
|
3.38%
|
$395
|
$0 p.a.
|
80%
|
|
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
|
|
|
|
|
|
|
3.18%
|
3.32%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
This flexible, competitive variable rate mortgage comes with a redraw facility. Eligible borrowers can earn Velocity Frequent Flyer Points, plus extra bonus points for a limited time.
|
|
|
|
|
|
|
3.31%
|
3.32%
|
$500 (if over 80% LVR)
|
$0 p.a.
|
80%
|
|
A competitive variable mortgage for home buyers. This loan has flexible repayments and an optional redraw facility.
|
|
|
|
|
|
|
3.08%
|
3.42%
|
$0
|
$299 p.a.
|
80%
|
|
Get a 100% offset account and a competitive, variable interest rate, plus no application fee.
|
|
|
|
|
|
|
2.89%
|
3.29%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
A competitive fixed rate mortgage 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.
|
|
|
|
|
|
|
2.84%
|
3.42%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
|
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online.
|
|
|
|
|
|
|
3.09%
|
4.63%
|
$500
|
$0 p.a.
|
95%
|
|
Home buyers can lock in their rate for two years while still enjoying flexible repayment options. Available with a 5% deposit.
|
|
|
|
|
|
|
3.15%
|
3.56%
|
$0
|
$395 p.a.
|
80%
|
|
A low rate variable mortgage for home buyers. Comes with a 100% offset account and has no application fee.
|
|
|
|
|
|
|
3.20%
|
3.25%
|
$600
|
$0 p.a.
|
90%
|
|
Competitive variable rate mortgage with a partial offset account. Get this loan with a 10% deposit.
|
|
|
|
|
|
|
3.29%
|
4.70%
|
$500
|
$8 p.a.
|
95%
|
|
A flexible fixed rate loan for property investors. Borrow up to 95%.
|
|
|
|
|
|
|
3.24%
|
4.14%
|
$600
|
$395 p.a.
|
95%
|
|
A package loan that offers discounts and a 100% offset account.
|
|
|
|
|
|
|
2.89%
|
2.93%
|
$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.
|
|
|
|
|
|
|
3.19%
|
3.23%
|
$595
|
$0 p.a.
|
90%
|
|
A discounted variable rate with low ongoing fees and redraw facility. Low deposit option available.
|
|
|
|
|
|
|
3.54%
|
4.44%
|
$600
|
$395 p.a.
|
95%
|
|
A package loan that offers discounts and a 100% offset account.
|
|
|
|
|
|
|
3.19%
|
3.59%
|
$0
|
$395 p.a.
|
90%
|
|
New borrowers or refinancers can get a discounted rate with this package loan.
|
|
|
|
|
|
|
3.65%
|
3.66%
|
$500 (if over 80% LVR)
|
$0 p.a.
|
80%
|
|
A variable investment mortgage with flexible repayments and an optional redraw facility.
|
|
|
|
|
|
|
2.99%
|
4.13%
|
$0
|
$395 p.a.
|
90%
|
|
Enjoy a competitive rate with no application fee for this package loan.
|
|
|
|
|
|
|
2.89%
|
3.84%
|
$395
|
$0 p.a.
|
80%
|
|
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
|
|
|
|
|
|
|
2.99%
|
4.26%
|
$595
|
$0 p.a.
|
95%
|
|
Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees.
|
|
|
|
|
|
|
3.74%
|
3.76%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
A variable rate home loan with no application fees and the opportunity to earn Velocity points.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.84%
|
4.16%
|
$0
|
$299 p.a.
|
80%
|
|
Get a 100% offset account, access to a redraw facility and a competitive rate tied to your LVR.
|
|
|
|
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.
