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Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206) and a Tier 1 Generic Knowledge certification (RG 146).

Expert review

The MOVE Bank Complete Package Fixed Home Loan is for owner-occupiers and investors and has a 100% offset account plus redraw facilities and limited extra repayments (up to $10,000 during the fixed term). Investors can also choose interest-only repayments to suit their investment strategy.

About this loan

What are the features and benefits of the MOVE Bank Complete Package Fixed Home Loan?

  • Loan amount. The MOVE Bank Complete Package Fixed Home Loan has a minimum loan amount of $50,000 and a maximum loan amount of $3,000,000.
  • Loan to value ratio (minimum deposit). The maximum insured loan to value ratio on this loan varies for owner-occupiers and investors but for both cases you can get a loan with a deposit under 20%.
  • Package benefits. As a package loan you can get benefits on other MOVE products, including no annual credit card fee on MOVE's Low Rate Credit Card, no transaction fees on savings and transaction accounts and a 5% discount on home and motor insurance policies. In exchange for these benefits there is an annual package fee.
  • Extra repayments. This loan allows you to make extra repayments up to $10,000 during the fixed term. It has a redraw facility as well.

What fees and charges come with this loan?

This loan has very limited fees:

  • Package fee: $395. This fee is charged annually to cover the loan package benefits and replaces several other, higher fees.
  • Discharge fee: $350. You pay this fee when exiting the loan.

How to apply

If you want to apply for the MOVE Bank Complete Package Fixed Home Loan or learn more about the product, just click the green button and leave your details. A lending specialist from MOVE Bank will get in touch with you and help you take the next step.

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