Investment Home Loans, Interest Rates, Fees & Calculator - Best Find

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Home loan amount

Deposit percentage

Loan term (years)

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Repayment frequency

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Important disclosure

Investment Home Loans

for $150,000 over 25 years
No unnecessary features, no application fees and no monthly fees.

Home Loan Overview

Maximum LVR 95% Inlcuding LMI

Maximum insured LVR 95% Inlcuding LMI

Minimum loan amount$100,000

Maximum loan amount$999,999,999.99

Minimum loan term n/a

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.79%

Home loan comparison rate3.79%

GO TO Hume Bank

Repayments & Redraws

Monthly repayments (approx)$774

Total repayments (approx)$232,341

Total interest (approx)$82,341

Redraw facility Yes

Redraw fee FREE (online) $25 in-branch

Minimum redraw amount $50

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees No

Extra repayments restrictions n/a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Hume Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $0-$200

Regular or monthly fee $0

GO TO Hume Bank

Loan Availability

InvestmentNo

First home buyersNo

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Hume Bank

Other

SponsoredYes

Data accurate as of12/07/2017

GO TO Hume Bank

Comparison rate warning

*Visit our website for full T&Cs. Rate only available to owner occupied loans refinanced from another institution with principal and interest repayments on loan amounts over $100,000. **Comparison rate based on a secured loan of $150,000 over 25 years for loans being refinanced from another institution. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms, conditions and normal lending criteria apply. Hume Bank Limited ABN 85 051 868 556 AFSL and Australian Credit Licence No. 244248.

GO TO Hume Bank

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No upfront or ongoing fees. Save more than $500 and enjoy not having to pay on upfront or monthly fees. Free online redraw and unlimited additional repayments. 100% mortgage offset account.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.79%

Home loan comparison rate3.79%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$774

Total repayments (approx)$232,341

Total interest (approx)$82,341

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of5/06/2018

GO TO Beyond Bank

Comparison rate warning

The comparison rate is calculated on a $150,000 loan with monthly repayments over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Interest rates are subject to change without notice.

GO TO Beyond Bank

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.99%

Home loan comparison rate3.90%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,279

Total interest (approx)$87,279

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

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The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.54%

Home loan comparison rate3.54%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$754

Total repayments (approx)$226,248

Total interest (approx)$76,248

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $0

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions No restrictions

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $330

Valuation fee $250

Settlement fee $0

Discharge fee $750

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.84%

Home loan comparison rate3.84%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$778

Total repayments (approx)$233,568

Total interest (approx)$83,568

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

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Reduce Home Loans's Investor Rate Buster High Lend - offers a low rate Variable home loan with rates from 3.89% and cashback offers: $750 for loans under 500k, $1500 for loans over 500k

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.89%

Home loan comparison rate3.89%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$782

Total repayments (approx)$234,801

Total interest (approx)$84,801

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $0

Legal fee Approx. $220+ disbursements

Valuation fee $250

Settlement fee $150

Discharge fee $750

Regular or monthly fee $0

GO TO Reduce Home Loans

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Reduce Home Loans

Other

SponsoredYes

Data accurate as of28/02/2018

GO TO Reduce Home Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Reduce Home Loans

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.99%

Home loan comparison rate3.90%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,279

Total interest (approx)$87,279

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

Hide info -

Reduce's 1 Year Fixed Wealth Maximizer (Investors) - P&I - offers a low rate Fixed home loan with rates from 3.99%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)3.99%

Home loan comparison rate3.92%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,279

Total interest (approx)$87,279

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Yes $20k max per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $0

Legal fee Approx. $220+ disbursements

Valuation fee $250

Settlement fee $0

Discharge fee $750

Regular or monthly fee $0

GO TO Reduce Home Loans

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Reduce Home Loans

Other

SponsoredYes

Data accurate as of28/02/2018

GO TO Reduce Home Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Reduce Home Loans

Hide info -

Reduce's 2 Year Fixed Wealth Maximizer for Investors - P&I - offers a low rate Fixed home loan with rates from 3.99%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)3.99%

Home loan comparison rate3.92%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,279

Total interest (approx)$87,279

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Yes $20k max per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $0

Legal fee Approx. $220+ disbursements

Valuation fee $250

Settlement fee $0

Discharge fee $750

Regular or monthly fee $0

GO TO Reduce Home Loans

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Reduce Home Loans

Other

SponsoredYes

Data accurate as of28/02/2018

GO TO Reduce Home Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Reduce Home Loans

Hide info -

Reduce's 3 Year Fixed Wealth Maximizer for Investors - P&I - offers a low rate Fixed home loan with rates from 4.09%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.09%

Home loan comparison rate3.96%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$799

Total repayments (approx)$239,769

Total interest (approx)$89,769

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Yes $20k max per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $0

Legal fee Approx. $220+ disbursements

Valuation fee $250

Settlement fee $0

Discharge fee $750

Regular or monthly fee $0

GO TO Reduce Home Loans

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Reduce Home Loans

Other

SponsoredYes

Data accurate as of28/02/2018

GO TO Reduce Home Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Reduce Home Loans

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$50,000

Maximum loan amount$750,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)4.09%

Home loan comparison rate4.09%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$799

Total repayments (approx)$239,769

Total interest (approx)$89,769

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

Hide info -

Reduce Home Loans's 1 Year Fixed Wealth Maximizer - offers a low rate Fixed home loan with rates from 4.19%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.19%

Home loan comparison rate4.12%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$807

Total repayments (approx)$242,274

Total interest (approx)$92,274

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Yes $20k max per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $0

Legal fee Approx. $220+ disbursements

Valuation fee $250

Settlement fee $0

Discharge fee $750

Regular or monthly fee $0

GO TO Reduce Home Loans

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Reduce Home Loans

Other

SponsoredYes

Data accurate as of28/02/2018

GO TO Reduce Home Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Reduce Home Loans

Hide info -

Reduce Home Loans's 2 Year Fixed Wealth Maximizer - offers a low rate Fixed home loan with rates from 4.19%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.19%

Home loan comparison rate4.12%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$807

Total repayments (approx)$242,274

Total interest (approx)$92,274

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Yes $20k max per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $0

Legal fee Approx. $220+ disbursements

Valuation fee $250

Settlement fee $0

Discharge fee $750

Regular or monthly fee $0

GO TO Reduce Home Loans

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Reduce Home Loans

Other

SponsoredYes

Data accurate as of28/02/2018

GO TO Reduce Home Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Reduce Home Loans

Hide info -

Reduce Home Loans's 3 Year Fixed Wealth Maximizer - offers a low rate Fixed home loan with rates from 4.29%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.29%

Home loan comparison rate4.16%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$815

Total repayments (approx)$244,791

Total interest (approx)$94,791

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Yes $20k max per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $0

Legal fee Approx. $220+ disbursements

Valuation fee $250

Settlement fee $0

Discharge fee $750

Regular or monthly fee $0

GO TO Reduce Home Loans

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Reduce Home Loans

Other

SponsoredYes

Data accurate as of28/02/2018

GO TO Reduce Home Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Reduce Home Loans

Hide info -

Knowing what your home loan repayments will be makes it much easier to budget. Our Fixed Rate Home Loan lets you lock in a low fixed interest rate for 2 years to protect yourself against any increases in interest rates. 

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 2 years

Maximum loan term 30 years

Interest rate type Fixed - 2 years

Home loan interest rates (base)4.20%

Home loan comparison rate4.23%

GO TO Easy Street Financial Services

Repayments & Redraws

Monthly repayments (approx)$808

Total repayments (approx)$242,523

Total interest (approx)$92,523

Redraw facility Yes

Redraw fee $0

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Easy Street Financial Services

Home Loan Fees

Application fee $500

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

GO TO Easy Street Financial Services

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Easy Street Financial Services

Other

SponsoredYes

Data accurate as of29/06/2018

GO TO Easy Street Financial Services

Comparison rate warning

Terms and conditions, fees and charges apply - details available on application. All loans subject to lending guidelines. *Rates are current as at 8/11/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. Application fees will be charged and calculated on a per application and per security basis and includes the cost of one valuation fee only, subsequent valuations will be charged at the standard rate and could incur additional legal fees. Application fee excludes government charges. **Comparison rate is calculated on a loan amount of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Easy Street Financial Services

Hide info -

BOQ's Economy Investment Loan - P&I is a Variable home loan with rates from 4.25%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$25,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)4.09%

Home loan comparison rate4.25%

GO TO BOQ

Repayments & Redraws

Monthly repayments (approx)$799

Total repayments (approx)$239,784

Total interest (approx)$89,784

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO BOQ

Home Loan Fees

Application fee $595

Legal fee $350

Valuation fee $0

Settlement fee $150

Discharge fee $150

Regular or monthly fee $10 monthly

GO TO BOQ

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO BOQ

Other

SponsoredYes

Data accurate as of29/06/2018

GO TO BOQ

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO BOQ

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ME Bank's Basic Investment Loan - P&I is a Variable home loan with rates from 4.51%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$40,000

Maximum loan amount$100,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)4.49%

Home loan comparison rate4.51%

GO TO ME Bank

Repayments & Redraws

Monthly repayments (approx)$832

Total repayments (approx)$249,870

Total interest (approx)$99,870

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO ME Bank

Home Loan Fees

Application fee $0

Legal fee $200

Valuation fee $200

Settlement fee $0

Discharge fee $300

Regular or monthly fee

GO TO ME Bank

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO ME Bank

Other

SponsoredYes

Data accurate as of29/06/2018

GO TO ME Bank

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO ME Bank

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The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 70%

Maximum insured LVR 70%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.79%

Home loan comparison rate3.79%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$774

Total repayments (approx)$232,392

Total interest (approx)$82,392

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $10,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

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The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 70%

Maximum insured LVR 70%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.84%

Home loan comparison rate3.84%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$778

Total repayments (approx)$233,619

Total interest (approx)$83,619

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $10,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.94%

Home loan comparison rate3.94%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$786

Total repayments (approx)$236,091

Total interest (approx)$86,091

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $10,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

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The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$750,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)4.04%

Home loan comparison rate4.04%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$795

Total repayments (approx)$238,575

Total interest (approx)$88,575

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $15,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

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The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$50,000

Maximum loan amount$750,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)4.24%

Home loan comparison rate4.15%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$811

Total repayments (approx)$243,585

Total interest (approx)$93,585

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $10,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

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A low variable interest rate home loan with no ongoing monthly or annual fees.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$500,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)4.14%

Home loan comparison rate4.16%

GO TO ING

Repayments & Redraws

Monthly repayments (approx)$803

Total repayments (approx)$241,020

Total interest (approx)$91,020

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

GO TO ING

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $299

Discharge fee $250

Regular or monthly fee $0

GO TO ING

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO ING

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO ING

Comparison rate warning

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO ING

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The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$50,000

Maximum loan amount$750,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)4.19%

Home loan comparison rate4.19%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$807

Total repayments (approx)$242,274

Total interest (approx)$92,274

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

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The Fixed Investment home loan is aimed at those looking for lock in their loan for greater budgeting and predictability. The Fixed account loan comes with options to make additional repayments of up to $20,000 per year. This loan is perfect for those that do not want to worry about their loan and to spend more time with their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$5,000,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Fixed

Home loan interest rates (base)4.64%

Home loan comparison rate4.25%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$845

Total repayments (approx)$253,713

Total interest (approx)$103,713

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $0

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions No restrictions

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

Hide info -

The Fixed Investment home loan is aimed at those looking for lock in their loan for greater budgeting and predictability. The Fixed account loan comes with options to make additional repayments of up to $20,000 per year. This loan is perfect for those that do not want to worry about their loan and to spend more time with their lives.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$50,000

Maximum loan amount$5,000,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Fixed

Home loan interest rates (base)4.69%

Home loan comparison rate4.30%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$850

Total repayments (approx)$255,003

Total interest (approx)$105,003

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $0

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions No restrictions

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

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The IMB Essentials Home Loan allows you to save on your home loan without compromising on features.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$75,000

Maximum loan amount$100,000,000

Minimum loan term 10 years

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)4.27%

Home loan comparison rate4.32%

GO TO IMB

Repayments & Redraws

Monthly repayments (approx)$814

Total repayments (approx)$244,287

Total interest (approx)$94,287

Redraw facility Yes

Redraw fee Free via internet banking

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO IMB

Home Loan Fees

Application fee $445

Legal fee $0

Valuation fee $0

Settlement fee $323.74

Discharge fee $220

Regular or monthly fee $0

GO TO IMB

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO IMB

Other

SponsoredNo

Data accurate as of22/06/2018

GO TO IMB

Comparison rate warning

This comparison rate is based on a $150,000 secured home loan over 25 years Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. A comparison rate schedule is available from IMB branches or at www.imb.com.au

GO TO IMB

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Knowing what your home loan repayments will be makes it much easier to budget. Our Fixed Rate Home Loan lets you lock in a low fixed interest rate for 2 years to protect yourself against any increases in interest rates. 

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 2 years

Maximum loan term 30 years

Interest rate type Fixed - 2 years

Home loan interest rates (base)4.25%

Home loan comparison rate4.37%

GO TO Easy Street Financial Services

Repayments & Redraws

Monthly repayments (approx)$812

Total repayments (approx)$243,783

Total interest (approx)$93,783

Redraw facility Yes

Redraw fee $0

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Easy Street Financial Services

Home Loan Fees

Application fee $500

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

GO TO Easy Street Financial Services

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Easy Street Financial Services

Other

SponsoredNo

Data accurate as of22/12/2017

GO TO Easy Street Financial Services

Comparison rate warning

Terms and conditions, fees and charges apply - details available on application. All loans subject to lending guidelines. *Rates are current as at 8/11/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. Application fees will be charged and calculated on a per application and per security basis and includes the cost of one valuation fee only, subsequent valuations will be charged at the standard rate and could incur additional legal fees. Application fee excludes government charges. **Comparison rate is calculated on a loan amount of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Easy Street Financial Services

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How to compare investment home loans

Home loans are as variable as the prospective homebuyers. There are a multitude of loans from different lending institutions. It’s worthwhile to research and compare your home loan options before making such a long-term commitment. Small differences in interest rates, terms or fees can significantly impact the overall cost of the owning a home.

Come prepared

Before you begin to compare investment home loans, it’s a good idea to come prepared with an understanding of what type of mortgage you require and for what purpose.

  • How much are you looking to spend on a property?
  • How big is your deposit?
  • Is it an investment property or will you live in the property?
  • Are you after an interest only or principal and interest home loan?
  • What features do you want with your home loan?

Additional types of investment home loans and features to consider

Consider the following when you research your options:

  • Introductory home loans. These can be a great option for first-time home buyers because these loans offer a lower interest rate for the first year or two, lower upfront fees and charges helping you reduce the overall financial strain for the first few years.
  • Interest only loans. Interest only loans are generally suited best toward investors. Interest only loans only require that the borrower pay the interest accrued and not the principal of the loan. This allows investors to purchase a property and make a minimum amount of payments on it.
  • Line of credit/home equity loans. These loans allow you to borrow against the equity of the property to pay for renovations, home improvements, purchasing a vehicle and more. Lines of credit are also a great choice for those who are building their own home to draw funds to pay for the construction.
  • Self-Managed Super Fund (SMSF) loan. A SMSF is a super fund where its members can direct the investment strategy (different than a standard super fund). In 2007, superannuation rules changed to allow Australians to use their super funds to borrow and purchase property. Many financial institutions now offer loans specifically for this situation.
  • Offset account. An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account could offset the amount you owe on that loan, and you’d only be charged interest on the difference.
  • Extra payments. Many home loans allow you to make additional payments. However, some loans and loan types limit the number of additional repayments.
  • Repayment holiday. This allows you to take some time off from paying the loan in the event of an unforeseen circumstance (like injury or illness). Some lenders only allow this if the loan is paid ahead of schedule.
  • Redraw facility. Withdraw extra payments made if your financial situation changes and you need additional money.
  • Rate lock. Typically, only offered for fixed rate loans, it ‘locks’ the price in (usually for a fee), so that in the time it takes for the loan to be approved, the rate will not change.
  • Portability. In the future, if you decide to sell your house and purchase a new one, you can transfer the existing loan to the new house to avoid additional fees on a new loan.

How to find the lowest home loan rates on BestFind?

Use the filter in our home loan comparison section to adjust your criteria and narrow down your options, until you find a suitable home loan for your situation.

You can sort and compare the products by either the comparison rate or by the approximate monthly repayments, to find the cheapest home loan for you.

What is a good home loan interest rate?

Interest rates lower than 4% are generally considered a good interest rates.

However, it is important to keep in mind that different features and loan purpose types can significantly impact the interest rates.

Moreover, many of the lowest rate mortgages may have limited features and are only available to customers that meet the lender’s financial requirements.

Calculate your mortgage repayments

The total cost of the loan includes not only the amount of money borrowed, but also interest accrued over the life of the loan as well as any additional fees and charges.

There are three types of fees you will encounter when applying for a mortgage:

  1. Upfront fees. These fees include application fees, settlement fees, valuation fees, legal fees, Lenders Mortgage Insurance (LMI), and stamp duty.
  2. Ongoing fees. Repayments, annual fees, monthly fees, redraw fees, and offset account fees.
  3. Exit fees. Title discharge fees and break costs.

This is a general overview of some of the fees you could incur during the home loan process. Each loan will differ so it is important to compare and calculate these costs to see the full cost of a home loan.

Other types of loans to compare

Your home loan will fall into one of these categories, based on why you are buying the house.

Home loans also come in different interest rate structures (variable rate loans, fixed, and split rates).

Who is eligible for investment home loans?

If you’re interested in securing a home loan but  unsure you’re eligible, consider speaking with a mortgage broker. Brokers earn a commission from the lending institution when you take out a loan, they therefore work hard to ensuring you get a loan that’s appropriate for you.

If you find yourself in one or more of the following situations, you are less likely eligible to secure a home loan:

  • You have impaired credit
  • You are on a low income
  • You are on a pension
  • You are self-employed
  • You are a casual or seasonal worker
  • You have a temporary visa
  • You do not have a down payment (but you have a pre-existing home with equity available)
  • You are on maternity leave
  • You are on a single income with a child or children
  • You recently transferred to a new job

You could still potentially get a home loan if you fall into one or more of the above criteria. However, your options may be limited. You may need to rely on getting a cheaper property, saving up a larger deposit, using equity in an existing home or taking out lender mortgage insurance (LMI).

Do I need pre-approval?

Pre-approval can make the home buying process smoother and easier. Essentially, pre-approval is when your home loan lender “conditionally” pre-approves you for a loan up to a certain amount once looking at your finances, employment, and other outstanding debts.

Prospective home buyers with pre-approval will be able to negotiate harder because they will be considered a preferred buyer. It will offer the sellers increased confidence that you’re serious and have the ability to afford the house. Pre-approval will also speed up the documentation process.

Understanding home loan interest rates

You will notice that banks advertise two types of interest rates, an “advertised rate” and a “comparison rate”.

When comparing investment home loans, you should focus your attentions towards the “comparison rate” as it takes into account your upfront and regular fees, and more accurately demonstrates the “true” cost per annum.

Home loans are offered with three interest rate types: variable, fixed, and split.

  • Variable interest rates. Borrowers can benefit from this type of interest rate if the interest rates are cut during the life of the loan. However, mortgagees can also end up paying more (if interest rates raise) and experience a lot of variance in their monthly repayment.
  • Fixed interest rates are set at a fixed rate for a stated period (usually one to five years). While a borrower with this type of interest rate may not enjoy the savings if interest rates are cut, they will also not be subject to interest rate hikes throughout the fixed term. This interest rate structure is good for setting a budget, because the monthly payments will remain consistent.
  • Split interest rates allow you to enjoy some of the benefits of both fixed and variable rates loans. Some lenders charge a fee for each split, while others do not charge a fee.