|
|
|
3.59%
|
3.61%
|
$0
|
$0 p.a.
|
90%
|
|
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.
|
|
|
|
|
|
|
3.59%
|
3.59%
|
$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.
|
|
|
|
|
|
|
3.57%
|
3.58%
|
$0
|
$0 p.a.
|
80%
|
|
Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.
|
|
|
|
|
|
|
3.54%
|
3.58%
|
$0
|
$0 p.a.
|
80%
|
|
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
|
|
|
|
|
|
|
3.75%
|
3.75%
|
$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.
|
|
|
|
|
|
|
3.64%
|
3.66%
|
$0
|
$0 p.a.
|
80%
|
|
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
|
|
|
|
|
|
|
3.64%
|
3.64%
|
$0
|
$0 p.a.
|
70%
|
|
A low interest rate home loan with no application or ongoing fees.
|
|
|
|
|
|
|
3.54%
|
3.57%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive variable essentials interest rate product aimed at refinancers looking to switch to a lower rate.
|
|
|
|
|
|
|
3.85%
|
3.85%
|
$0
|
$0 p.a.
|
80%
|
|
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
|
|
|
|
|
|
|
3.49%
|
3.53%
|
$250
|
$0 p.a.
|
80%
|
|
A very low variable interest rate for borrowers with a 20% deposit. Add a 100% offset account for $10 a month.
|
|
|
|
|
|
|
3.87%
|
3.91%
|
$600
|
$0 p.a.
|
95%
|
|
A home loan with no ongoing fee and a redraw facility that you can borrow up to 95% LVR.
|
|
|
|
|
|
|
3.80%
|
4.05%
|
$0
|
$0 p.a.
|
70%
|
|
Earn tens of thousands of Qantas Points to spend on flights, hotels and more with this variable owner occupier mortgage. Competitive variable rate mortgage that requires a 30% deposit.
|
|
|
|
|
|
|
3.84%
|
3.85%
|
$0
|
$0 p.a.
|
90%
|
|
A flexible, basic mortgage for owner occupiers. Make extra repayments and take advantage of mortgage redraw facilities. Available with a 10% deposit.
|
|
|
|
|
|
|
3.88%
|
4.51%
|
$0
|
$395 p.a.
|
90%
|
|
Lock in a very competitive 2 year rate and get package discounts on your credit card and offset account. $1,500 cashback available (conditions apply).
|
|
|
|
|
|
|
3.68%
|
3.82%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
Earn Velocity Frequent Flyer Points with this mortgage to spend on flights and more (for a limited time, subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.
|
|
|
|
|
|
|
3.59%
|
3.63%
|
$495
|
$0 p.a.
|
90%
|
|
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
|
|
|
|
|
|
|
3.74%
|
3.74%
|
$0
|
$0 p.a.
|
80%
|
|
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
|
|
|
|
|
|
|
3.87%
|
3.91%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
|
|
|
|
|
|
|
3.69%
|
4.86%
|
$0
|
$395 p.a.
|
90%
|
|
Special discounted rate for first home buyers. Start your home buying journey with 2 years of fixed repayments at a competitive rate plus package discounts. Available with a 10% deposit.
|
|
|
|
|
|
|
3.75%
|
4.72%
|
$0
|
$299 p.a.
|
95%
|
|
Owner-occupiers can enjoy a discounted fixed rate, a rate lock feature and the ability to make additional repayments.
|
|
|
|
|
|
|
3.68%
|
3.70%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive variable rate mortgage for owner occupiers that comes with a no fee debit card with a $5,000 limit.
|
|
|
|
|
|
|
3.84%
|
3.85%
|
$0
|
$0 p.a.
|
70%
|
|
Keep your LVR at 70% or below and enjoy a special discounted rate. Also, pay no application or ongoing fees.
|
|
|
|
|
|
|
3.64%
|
3.78%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
Earn Velocity Frequent Flyer Points on your mortgage (subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
|
|
|
|
|
|
|
3.79%
|
3.79%
|
$0
|
$0 p.a.
|
80%
|
|
Access an offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers.
|
|
|
|
|
|
|
3.79%
|
3.82%
|
$0
|
$0 p.a.
|
80%
|
|
An essentials variable investor mortgage with a high borrowing amount so you can fund a large purchase.
|
|
|
|
|
|
|
3.74%
|
4.13%
|
$0
|
$349 p.a.
|
90%
|
|
Get a sharp rate plus package discounts and a 100% offset account.
|
|
|
|
|
|
|
3.62%
|
3.62%
|
$0
|
$0 p.a.
|
95%
|
|
A low deposit mortgage with a competitive rate and plenty of flexibility. QLD residents only. Eligible borrowers can get a 15% discount on home and contents insurance for the life of their loan.
|
|
|
|
|
|
|
3.79%
|
3.80%
|
$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. Plus $1,500 cashback offer for eligible refinancers.
|
|
|
|
|
|
|
3.69%
|
4.12%
|
$0
|
$395 p.a.
|
80%
|
|
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
|
|
|
|
|
|
|
3.70%
|
3.70%
|
$0
|
$0 p.a.
|
70%
|
|
Get a discount for keeping your LVR at $70% or below with this innovative online lender.
|
|
|
|
|
|
|
3.59%
|
3.99%
|
$600
|
$395 p.a.
|
95%
|
|
Get interest rate discounts and waived fees on this package loan with a 100% offset account.
|
|
|
|
|
|
|
3.64%
|
3.64%
|
$0
|
$0 p.a.
|
70%
|
|
A basic variable home loan that offers a competitive interest rate with no application fees and no ongoing fees.
|
|
|
|
|
|
|
3.84%
|
3.84%
|
$0
|
$0 p.a.
|
80%
|
|
Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
|
|
|
|
|
|
|
3.64%
|
3.59%
|
$0
|
$0 p.a.
|
80%
|
|
Fast, 100% online application process. Very limited fees. Optional offset account (with fee).
|
|
|
|
|
|
|
3.99%
|
3.92%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
Enjoy a competitive fixed rate with no application fee. Earn Velocity Frequent Flyer Points to spend on flights and hotels. Terms and conditions apply.
|
|
|
|
|
|
|
3.71%
|
3.71%
|
$0
|
$0 p.a.
|
70%
|
|
A variable rate home loan that has a lot of flexible features. This loan has a 100% offset account.
|
|
|
|
|
|
|
3.89%
|
4.27%
|
$0
|
$395 p.a.
|
80%
|
|
New borrowers or refinancers can get a discounted rate with this package loan.
|
|
|
|
|
|
|
3.59%
|
3.58%
|
$0
|
$0 p.a.
|
80%
|
|
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for a small fee.
|
|
|
|
|
|
|
3.81%
|
3.81%
|
$0
|
$0 p.a.
|
80%
|
|
A home loan with a competitive rate and plenty of handy features. This product comes with a 100% offset account.
|
|
|
|
|
|
|
4.17%
|
4.21%
|
$600
|
$0 p.a.
|
95%
|
|
Variable rate home loan from one of the big 4 banks. Available with just a 5% deposit.
|
|
|
|
|
|
|
3.89%
|
3.91%
|
$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.
|
|
|
|
|
|
|
3.72%
|
3.74%
|
$0
|
$0 p.a.
|
80%
|
|
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
|
|
|
|
|
|
|
3.84%
|
3.82%
|
$0
|
$0 p.a.
|
80%
|
|
A fixed rate loan with free redraws, few ongoing fees. Apply online with a fast approval process.
|
|
|
|
|
|
|
3.69%
|
4.08%
|
$0
|
$349 p.a.
|
90%
|
|
Package your loan with other AMP products and save on rates and fees.
|
|
|
|
|
|
|
3.69%
|
4.75%
|
$0
|
$395 p.a.
|
90%
|
|
Enjoy a competitive rate with no application fee for this package loan.
|
|
|
|
|
|
|
3.99%
|
4.13%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
A competitive variable rate home loan with no application fee.
|
|
|
|
|
|
|
3.74%
|
3.74%
|
$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.
|
|
|
|
|
|
|
4.04%
|
4.07%
|
$0
|
$0 p.a.
|
90%
|
|
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
|
|
|
|
|
|
|
3.59%
|
4.14%
|
$395
|
$0 p.a.
|
80%
|
|
A one year fixed rate offer with no ongoing bank fees.
|
|
|
|
|
|
|
3.75%
|
4.00%
|
$0
|
$248 p.a.
|
70%
|
|
Borrowers with a 30% deposit can get this competitive rate. Cut down on interest costs with a 100% offset account.
|
|
|
|
|
|
|
3.97%
|
3.99%
|
$0
|
$0 p.a.
|
80%
|
|
Package your owner occupied loan with investment loan and receive a discounted investment rate. 100% offset account included.
|
|
|
|
|
|
|
3.99%
|
4.44%
|
$395
|
$0 p.a.
|
80%
|
|
Pay no ongoing fees on this investment loan fixed for 3 years.
|
|
|
|
|
|
|
3.70%
|
3.90%
|
$0
|
$0 p.a.
|
70%
|
|
Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
|
|
|
|
|
|
|
3.89%
|
3.94%
|
$0
|
$0 p.a.
|
90%
|
|
Borrow up to 90% of the value of the property you're buying, and pay no application fee.
|
|
|
|
|
|
|
3.94%
|
3.94%
|
$0
|
$0 p.a.
|
70%
|
|
Investors with a 30% deposit can get this low rate loan to fund their property portfolio. Take advantage of split and redraw facilities.
|
|
|
|
|
|
|
3.91%
|
3.92%
|
$0
|
$0 p.a.
|
80%
|
|
Investors can go from application to approval in as little as 20 minutes with this innovative online lender.
|
|
|
|
|
|
|
3.74%
|
4.01%
|
$395
|
$0 p.a.
|
80%
|
|
A competitive fixed interest rate product with no ongoing bank fees.
|
|
|
|
|
|
|
3.99%
|
3.92%
|
$0
|
$0 p.a.
|
80%
|
|
A variable interest-only loan for investors. Fast application, low fees, optional offset account. 100% online lender.
|
|
|
|
|
|
|
4.29%
|
4.31%
|
$0
|
$0 p.a.
|
80%
|
|
Investors will pay no application or ongoing fees for this interest-only loan.
|
|
|
|
|
|
|
3.74%
|
3.74%
|
$0
|
$0 p.a.
|
80%
|
|
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule.
|
|
|
|
|
|
|
4.18%
|
4.18%
|
$0
|
$0 p.a.
|
80%
|
|
Investors get a 100% offset account and pay no application or ongoing fees on this loan from an innovative online lender.
|
|
|
|
|
|
|
3.89%
|
4.24%
|
$0
|
$0 p.a.
|
80%
|
|
Fix your rate and minimise repayments for 2 years with this interest-only investor mortgage.
|
|
|
|
|
|
|
3.94%
|
4.95%
|
$595
|
$0 p.a.
|
95%
|
|
Borrow up to 95% LVR of the value of the property you're buying and pay no application or ongoing fees.
|
|
|
|
|
|
|
3.99%
|
4.86%
|
$0
|
$0 p.a.
|
80%
|
|
Access a fee-free 100% offset account and pay no application or ongoing fees.
|
|
|
|
|
|
|
4.29%
|
4.26%
|
$0
|
$0 p.a.
|
95%
|
|
A competitive 3-year fixed rate loan with a high max insured LVR.
|
|
|
|
|
|
|
3.89%
|
3.91%
|
$0
|
$0 p.a.
|
80%
|
|
Investors can go from application to full approval in as little as 20 minutes with this innovative online lender.
|
|
|
|
|
|
|
4.14%
|
4.81%
|
$0
|
$0 p.a.
|
80%
|
|
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
|
|
|
|
|
|
|
3.84%
|
3.91%
|
$0
|
$0 p.a.
|
80%
|
|
Get instant online approval and flexible repayment options with this fixed rate mortgage for investing.
|
|
|
|
|
|
|
3.99%
|
3.99%
|
$0
|
$0 p.a.
|
80%
|
|
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
|
|
|
|
|
|
|
3.89%
|
3.91%
|
$0
|
$0 p.a.
|
80%
|
|
Lock in your interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process.
|
|
|
|
My wife and I are hoping to buy a home very soon. We have deposit in bank of about 20% of the value of homes we are looking at. Most of this is proceeds from the sale of my wife’s house and some savings we have added in last 6 months. Repayments will be quite comfortable, considerably less than we are paying as rent and allow room for interest rate increases without stressing much.
The sticky bit is I have a tax debt. The debt arose when I was operating a small business a number of years ago and wasn’t diligent in getting activity statements and returns done as I should have. This debt was incurred before I met my wife. I have made some contribution toward paying the debt. I have contacted the accountant that prepared my returns for the years in question to try to get the activity statements completed. When he was preparing the returns he didn’t think they would be required as he was confident the ATO would release the debt. I was unemployed and on sickness benefit for a period of time and ATO did release the debt. When I started working and lodged a tax return the debt was reinstated about 12 months ago. The debt was raised 7-9 years ago.
As I understand home loan requirements (I have never had a home loan or owned/part owned a home)the Lender would prefer the loan to be in both our names (joint application). If we do this would the ATO be able to prevent the loan or force us to sell it to cover the debt that I have?
Alternatively, If the loan was in my wife’s name only would the ATO have a problem with that? As I earn more than my wife some of my income would go toward servicing the loan. It might be possible for my wife’s income to service the loan and my income used for food, fuel, car expenses, etc so I wasn’t actually contributing to the payment of the mortgage.
Constructive advice appreciated.
Hi Wetworker,
Thank you for contacting finder.com.au – a financial comparison website and general information service designed to help consumers make better decisions.
Sorry for the delayed reply. Generally, all lenders will assess their applicant’s financial position and will take into account including but not limited to your assets, income, other debts and liabilities, credit rating, etc. So either you or your spouse will apply for the loan, the same assessment will be done. Obviously, you’ll need to be in good standing in your financial position as that would tell your capability of paying off the loan.
Furthermore, whether you or your spouse will apply for the loan, as you have an outstanding debt with ATO, most likely your tax debt and repayments history are critical factors that a lender will consider in approving your loan application.
Nonetheless, you still have the option to refinance your tax debt and combine it with the new home loan you take out. Unfortunately, most banks do not offer to refinance your tax debt, but some non-bank lenders may be able to help. You can discuss your loan options by contacting a non-bank lender featured on this page. Again, your approval will still be on a case-by-case basis, depending on their assessment financial circumstance.
Hope this helps.
Cheers,
May