Compare Home Loan Rates Australia | Home loans comparison | Best Find - Page 5

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Home loan amount

Deposit percentage

Loan term (years)

Interest rate type

Repayment frequency

Features

State availability

Home loan type

Home loan provider

Compare Home Loans

for $150,000 over 25 years
UBank
3.62%
3.62%
$760.62
$0

Discount Offer Variable Home Loan < $700k +$1,000 cash when you refinance > $200k. Offer conditions apply.

Expand info ˅

Switch your home loan to just the bank you need, and we'll deposit $1,000 in to a USaver account. Refinance a non-UBank home loan of at least $200,000 and apply between 9 April 2018 and 6 June 2018, Offer conditions apply..

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$100,000

Maximum loan amount$699,999

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.62%

Home loan comparison rate3.62%

GO TO UBank

Repayments & Redraws

Monthly repayments (approx)$760

Total repayments (approx)$228,186

Total interest (approx)$78,186

Redraw facility Yes

Redraw fee $0

Minimum redraw amount No minimum

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 UBank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $0

Regular or monthly fee $0

GO TO UBank

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 UBank

Other

SponsoredYes

Data accurate as of1/02/2018

GO TO UBank

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 UBank

Hide info ˄

Heritage Bank
3.69%
3.71%
$766.31
$150

Discount Variable Home Loan ($150k+) (LVR < 80%)

Expand info ˅

Heritage Bank's Discount Variable Home Loan ($150k+) (LVR < 80%) is a Variable home loan with rates from 3.71%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

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)3.69%

Home loan comparison rate3.71%

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$766

Total repayments (approx)$229,893

Total interest (approx)$79,893

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? Unlimited

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $0

GO TO Heritage Bank

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 Heritage Bank

Other

SponsoredYes

Data accurate as of28/02/2018

GO TO Heritage 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 Heritage Bank

Hide info ˄

UBank
3.99%
3.99%
$790.93
$0

Discount Offer for Investors Variable P&I Rate +$1,000 cash when you refinance > $200k. Offer conditions apply.

Expand info ˅

Switch your home loan to just the bank you need, and we'll deposit $1,000 in to a USaver account. Refinance a non-UBank home loan of at least $200,000 and apply between 9 April 2018 and 6 June 2018, Offer conditions apply.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$100,000

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)3.99%

Home loan comparison rate3.99%

GO TO UBank

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 No minimum

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 UBank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $0

Regular or monthly fee $0

GO TO UBank

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 UBank

Other

SponsoredYes

Data accurate as of1/02/2018

GO TO UBank

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 UBank

Hide info ˄

MyState
4.49%
5.16%
$832.90
$950

Owner Occupied - Fixed - 2 Year >80% - P&I

Expand info ˅

MyState offers a Fixed - 2 year home loan, with comparison rates from 5.16%perannum

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 2 year

Home loan interest rates (base)4.49%

Home loan comparison rate5.16%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$832

Total repayments (approx)$249,870

Total interest (approx)$99,870

Redraw facility No

Redraw fee N/A

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 MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

MyState
3.89%
5.17%
$782.67
$950

Owner Occupied - Fixed - 1 Year

Expand info ˅

MyState offers a Fixed - 1 year home loan, with comparison rates from 5.17%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 1 year

Home loan interest rates (base)3.89%

Home loan comparison rate5.17%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$782

Total repayments (approx)$234,801

Total interest (approx)$84,801

Redraw facility No

Redraw fee N/A

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 MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

MyState
4.09%
5.18%
$799.23
$950

Owner Occupied - Fixed - 1 Year

Expand info ˅

MyState offers a Fixed - 1 year home loan, with comparison rates from 5.18%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 1 year

Home loan interest rates (base)4.09%

Home loan comparison rate5.18%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$799

Total repayments (approx)$239,769

Total interest (approx)$89,769

Redraw facility No

Redraw fee N/A

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 MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

MyState
4.04%
5.18%
$795.07
$950

Owner Occupied - Fixed - 2 Year

Expand info ˅

MyState offers a Fixed - 2 year home loan, with comparison rates from 5.18%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 2 year

Home loan interest rates (base)4.04%

Home loan comparison rate5.18%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$795

Total repayments (approx)$238,521

Total interest (approx)$88,521

Redraw facility No

Redraw fee N/A

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 MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

Australian Military Bank
4.99%
5.22%
$876.01
$500

Fixed Rate Home Loan - 5 Years - Owner Occupier - P&I

Expand info ˅

Australian Military Bank's Fixed Rate Home Loan - 5 Years - Owner Occupier - P&I is a Fixed - 5 years home loan with rates from 5.22%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$150,000

Maximum loan amount$100,000,000

Minimum loan term 2 years

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)4.99%

Home loan comparison rate5.22%

GO TO Australian Military Bank

Repayments & Redraws

Monthly repayments (approx)$876

Total repayments (approx)$262,803

Total interest (approx)$112,803

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

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 Australian Military Bank

Home Loan Fees

Application fee $500

Legal fee $264

Valuation fee $200

Settlement fee $0

Discharge fee $300

Regular or monthly fee

GO TO Australian Military Bank

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 Australian Military Bank

Other

SponsoredNo

Data accurate as of5/01/2018

GO TO Australian Military 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 Australian Military Bank

Hide info ˄

MyState
4.49%
5.23%
$832.90
$950

Owner Occupied - Fixed - 1 Year >80% - P&I

Expand info ˅

MyState offers a Fixed - 1 year home loan, with comparison rates from 5.23%perannum

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 1 year

Home loan interest rates (base)4.49%

Home loan comparison rate5.23%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$832

Total repayments (approx)$249,870

Total interest (approx)$99,870

Redraw facility No

Redraw fee N/A

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 MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

Credit Union SA
4.49%
5.23%
$832.90
$600

1 year fixed - Owner occupied

Expand info ˅

The Credit Union SA Fixed Rate Home Loan is ideal for those looking for certainty in the short term.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.49%

Home loan comparison rate5.23%

GO TO Credit Union SA

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 $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of22/11/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are 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 Credit Union SA

Hide info ˄

People's Choice Credit Union
5.20%
5.25%
$894.45
$600

Standard Variable Home Loan - Owner Occupied - P&I

Expand info ˅

People's Choice Credit Union's Standard Variable Home Loan - Owner Occupied - P&I is a Variable home loan with rates from 5.25%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$20,000

Maximum loan amount$1,500,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)5.20%

Home loan comparison rate5.25%

GO TO People's Choice Credit Union

Repayments & Redraws

Monthly repayments (approx)$894

Total repayments (approx)$268,335

Total interest (approx)$118,335

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO People's Choice Credit Union

Home Loan Fees

Application fee $600

Legal fee $200

Valuation fee $0

Settlement fee $150

Discharge fee $350

Regular or monthly fee

GO TO People's Choice Credit Union

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 People's Choice Credit Union

Other

SponsoredYes

Data accurate as of5/01/2017

GO TO People's Choice Credit Union

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 People's Choice Credit Union

Hide info ˄

Credit Union SA
5.25%
5.27%
$898.87
$0

Discounted Variable Rate - Investment Home Loan - Interest Only

Expand info ˅

A Discounted Home Loan is suitable for the budget conscious borrower on the look out for a simple home loan.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

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)5.25%

Home loan comparison rate5.27%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$898

Total repayments (approx)$269,661

Total interest (approx)$119,661

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $0

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are 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 Credit Union SA

Hide info ˄

MyState
5.23%
5.30%
$897.10
$950

Owner Occupied - Standard Variable

Expand info ˅

MyState offers a Variable home loan, with comparison rates from 5.30%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

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)5.23%

Home loan comparison rate5.30%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$897

Total repayments (approx)$269,130

Total interest (approx)$119,130

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

MyState
5.23%
5.30%
$897.10
$950

Owner Occupied - Standard Variable >80% - P&I

Expand info ˅

MyState offers a Variable home loan, with comparison rates from 5.30%perannum

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$30,000

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)5.23%

Home loan comparison rate5.30%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$897

Total repayments (approx)$269,130

Total interest (approx)$119,130

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

MyState
5.23%
5.30%
$897.10
$950

Standard Variable - Residential Investment - Variable

Expand info ˅

MyState offers a Variable home loan, with comparison rates from 5.30%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

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)5.23%

Home loan comparison rate5.30%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$897

Total repayments (approx)$269,130

Total interest (approx)$119,130

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of23/01/2017

GO TO MyState

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 MyState

Hide info ˄

HSBC
5.24%
5.30%
$897.99
$600

Home Value Investment Loan (Principal and Interest)

Expand info ˅

HSBC's Home Value Investment Loan (Principal and Interest) is a Variable home loan with rates from 5.30%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$20,000

Maximum loan amount$5,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)5.24%

Home loan comparison rate5.30%

GO TO HSBC

Repayments & Redraws

Monthly repayments (approx)$897

Total repayments (approx)$269,397

Total interest (approx)$119,397

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

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 HSBC

Home Loan Fees

Application fee $600

Legal fee $0

Valuation fee $215

Settlement fee $150

Discharge fee $300

Regular or monthly fee

GO TO HSBC

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditYes

Self-managed superNo

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

GO TO HSBC

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO HSBC

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 HSBC

Hide info ˄

Credit Union SA
5.25%
5.31%
$898.87
$600

Standard variable rate - Owner occupied

Expand info ˅

The Standard Variable Rate Home Loan is ideal for those seeking significant flexibility.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

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)5.25%

Home loan comparison rate5.31%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$898

Total repayments (approx)$269,661

Total interest (approx)$119,661

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of22/11/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are 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 Credit Union SA

Hide info ˄

MyState
5.63%
5.33%
$932.81
$950

Standard Variable - Residential Investment - Variable

Expand info ˅

MyState offers a Variable home loan, with comparison rates from 5.33%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

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)5.63%

Home loan comparison rate5.33%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$932

Total repayments (approx)$279,843

Total interest (approx)$129,843

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

Suncorp Bank
4.14%
5.33%
$803.45
$600

Fixed Home Loan - 3 Years - Owner Occupied - Interest Only

Expand info ˅

Suncorp Bank's Fixed Home Loan - 3 Years - Owner Occupied - Interest Only is a Fixed - 3 years home loan with rates from 5.33%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$10,000

Maximum loan amount$100,000,000

Minimum loan term 8 years

Maximum loan term 30 years

Interest rate type Fixed - 3 years

Home loan interest rates (base)4.14%

Home loan comparison rate5.33%

GO TO Suncorp Bank

Repayments & Redraws

Monthly repayments (approx)$803

Total repayments (approx)$241,035

Total interest (approx)$91,035

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

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 Suncorp Bank

Home Loan Fees

Application fee $600

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee $10 monthly

GO TO Suncorp Bank

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 Suncorp Bank

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO Suncorp 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 Suncorp Bank

Hide info ˄

MyState
5.63%
5.33%
$932.81
$950

Owner Occupied - Standard Variable

Expand info ˅

MyState offers a Variable home loan, with comparison rates from 5.33%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

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)5.63%

Home loan comparison rate5.33%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$932

Total repayments (approx)$279,843

Total interest (approx)$129,843

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

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 MyState

Other

SponsoredNo

Data accurate as of4/05/2018

GO TO MyState

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 MyState

Hide info ˄

Credit Union SA
4.64%
5.34%
$845.90
$0

2 Year Fixed Package - Investment Home Loan - Interest Only

Expand info ˅

The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our home loans, Visa credit cards, personal loans, investments and more.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.64%

Home loan comparison rate5.34%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$845

Total repayments (approx)$253,770

Total interest (approx)$103,770

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $0

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are 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 Credit Union SA

Hide info ˄

The Rock
4.59%
5.37%
$841.43
$950

Owner Occupied - Fixed - 5 Year

Expand info ˅

The Rock offers a Fixed - 5 year home loan, with comparison rates from 5.37%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 year

Home loan interest rates (base)4.59%

Home loan comparison rate5.37%

GO TO The Rock

Repayments & Redraws

Monthly repayments (approx)$841

Total repayments (approx)$252,429

Total interest (approx)$102,429

Redraw facility No

Redraw fee N/A

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 The Rock

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO The Rock

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 The Rock

Other

SponsoredNo

Data accurate as of23/01/2018

GO TO The Rock

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 The Rock

Hide info ˄

Credit Union SA
4.84%
5.40%
$863.15
$0

1 Year Fixed Package - Investment Home Loan - Interest Only

Expand info ˅

The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our home loans, Visa credit cards, personal loans, investments and more.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.84%

Home loan comparison rate5.40%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$863

Total repayments (approx)$258,945

Total interest (approx)$108,945

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $0

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are 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 Credit Union SA

Hide info ˄

Credit Union SA
4.59%
5.42%
$841.43
$600

2 year fixed - Owner occupied - Interest Only

Expand info ˅

The Credit Union SA Fixed Rate Home Loan is ideal for those looking for certainty in the short term.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.59%

Home loan comparison rate5.42%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$841

Total repayments (approx)$252,429

Total interest (approx)$102,429

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are 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 Credit Union SA

Hide info ˄

Credit Union SA
5.05%
5.42%
$881.45
$0

Variable Home Loan Package - Investment Home Loan $150k+ - Interest Only

Expand info ˅

The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our home loans, Visa credit cards, personal loans, investments and more.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

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)5.05%

Home loan comparison rate5.42%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$881

Total repayments (approx)$264,435

Total interest (approx)$114,435

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $0

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are 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 Credit Union SA

Hide info ˄

Citi
4.29%
5.43%
$816.01
$399

Fixed Home Loan - 3 Years

Expand info ˅

Citi's Fixed Home Loan - 3 Years is a Fixed - 3 years home loan with rates from 5.43%

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$50,000

Maximum loan amount$4,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 3 years

Home loan interest rates (base)4.29%

Home loan comparison rate5.43%

GO TO Citi

Repayments & Redraws

Monthly repayments (approx)$816

Total repayments (approx)$244,803

Total interest (approx)$94,803

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly No

Repayments biweekly No

Repayments monthly Yes

GO TO Citi

Home Loan Fees

Application fee $399

Legal fee $0

Valuation fee $0

Settlement fee $250

Discharge fee $350

Regular or monthly fee $8 monthly

GO TO Citi

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 Citi

Other

SponsoredNo

Data accurate as of5/01/2018

GO TO Citi

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 Citi

Hide info ˄

Community First Credit Union
4.25%
5.46%
$812.61
$600

2 Year Fixed - Investment - Principal & Interest

Expand info ˅

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan.

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 rate5.46%

GO TO Community First Credit Union

Repayments & Redraws

Monthly repayments (approx)$812

Total repayments (approx)$243,783

Total interest (approx)$93,783

Redraw facility Yes

Redraw fee $30 staff, $15 online

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 Community First Credit Union

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

GO TO Community First Credit Union

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 Community First Credit Union

Other

SponsoredNo

Data accurate as of22/12/2017

GO TO Community First Credit Union

Comparison rate warning

Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 22/12/17 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. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

GO TO Community First Credit Union

Hide info ˄

Credit Union SA
4.54%
5.49%
$837.16
$0

2 Year Fixed - Investment Home Loan

Expand info ˅

The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our home loans, Visa credit cards, personal loans, investments and more.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed

Home loan interest rates (base)4.54%

Home loan comparison rate5.49%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$837

Total repayments (approx)$251,148

Total interest (approx)$101,148

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $0

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of22/11/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are 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 Credit Union SA

Hide info ˄

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Tips for comparing home loans

Overview

A home loan (also known as a mortgage or home finance) is a loan from a bank or financial institution for purchasing a property. These loans have typically longer terms, usually 25 or 30 years. The payments likely will be set either fortnightly or monthly. There are many different variations of home loans to suit individual financial needs.

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, fixed, and split rates). Home loans are asset assured, meaning that the loan is secured against your property. If you cannot continue the payments, the lending institution may require you to sell the property to settle the debt.

Why should I compare home loans? Are all home loans the same?

No, home loans are as variable as prospective homebuyers. There are a multitude of loans from different lending institutions. It’s worthwhile to research your mortgage before committing to the first one you find because home loans are long-term loans, and as such, even a small difference in interest rates or fees can significantly impact the final cost of the house.

Who is eligible for a home loan?

If you’re interested in securing a home loan, but you’re not sure 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 a little hard in 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 be 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 causal 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 fill into one or more of the above criteria. However, your options may be limited. You may need to rely on getting a cheaper place, saving for a larger deposit, using equity in an existing home or taking out lender mortgage insurance (LMI).

Do I need preapproval?

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

Prospective home buyers with preapproval 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. Preapproval will also speed up the documentation process.

How much does a home loan cost?

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 costs and fees. 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 important to calculate these costs to see the true cost of a home loan.

What about interest rates?

A home loan’s interest rate is the other key piece that will determine the total cost of a home loan. The “comparison rate” is the key rate to look at, as it encompasses all of the fees and demonstrates the cost as an annualised rate. Home loans are offered with three interest rate types: variable, fixed, and split.

Variable interest rates can fluctuate over time. Borrowers can benefit from this type of interest rate if the interest rates are cut during the life of the loan, but they can also end up paying more if interest rates are increased. These loan payments typically differ from payment to payment.

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 during the fix 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 interest rates. Some lenders charge a fee for each split, while others do not charge a fee.

What else should you compare when looking for a home loan?

The following should be considered when you compare home loans:

  • Introductory home loans

This 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 costing associated with home owning and reducing the 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 rate accrued and not the principle 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 payment for renovations, home improvements, purchasing a vehicle, or 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.

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.

What mortgage features should I know about?

Extra payments. Most loans allow you to make additional payments so you can pay off your loan more quickly.

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.