Deprecated: iconv_set_encoding(): Use of iconv.internal_encoding is deprecated in /home3/fce001/public_html/ratesonly.com.au/libraries/joomla/string/string.php on line 27

Deprecated: iconv_set_encoding(): Use of iconv.input_encoding is deprecated in /home3/fce001/public_html/ratesonly.com.au/libraries/joomla/string/string.php on line 28

Deprecated: iconv_set_encoding(): Use of iconv.output_encoding is deprecated in /home3/fce001/public_html/ratesonly.com.au/libraries/joomla/string/string.php on line 29

Warning: session_start(): Cannot send session cookie - headers already sent by (output started at /home3/fce001/public_html/ratesonly.com.au/libraries/joomla/string/string.php:27) in /home3/fce001/public_html/ratesonly.com.au/libraries/joomla/session/session.php on line 658

Warning: session_start(): Cannot send session cache limiter - headers already sent (output started at /home3/fce001/public_html/ratesonly.com.au/libraries/joomla/string/string.php:27) in /home3/fce001/public_html/ratesonly.com.au/libraries/joomla/session/session.php on line 658
Special Offer

 

Special Offer

 

Competitive interest rate, plus you can borrow up to 90% LVR.

First Year Annual Fee Waived!

 

 Loan Purpose  Loan Type  Rate (pa)  Comp. Rate (pa)
 Owner Occupying   3 Year Fixed  3.99%  4.46%
 Package Variable  4.15%  4.54%
       
 Investment      3 Year Fixed  4.19%  4.70%
Basic Variable (no annual fee)  4.23%  4.23%
Package Variable  4.42%  4.56%

 

 

Key Facts

Nil application fee

Nil valuation fee

Annual fee $375

Max LVR 90% withLMI

100% offset account, free of charge for Package Variable

 

Main Features

Minimum loan amount $150,000

Same rate for P&I and I/O

Unlimited additional repayment for variable rate

Unlimited redraw for variable rate

Available for construction (variable rate)

 

 

FAQ - Special Offer

Fixed interest rate locks in a specific interest rate for a term ranging from 1 year to 10 years. 

Fixed rate loan provides interest rate and repayment certainty but less flexibility. The main feature of a fixed rate loan is it requires the borrower to stay in the entire fixed rate term, otherwise a penalty, ie break cost, may apply. The other limitation is the maximum additional repayment is allowed. Most fixed rate loans don't allow redrawal.

If you need security that your rate is fixed if general interest rates rise, you should consider fixed rates. But because it is less flexible, you need to consider if it is suitable for you. If you plan to sell the property in near future or if you wish to redraw the additional repayments you have made to the loan, fixed rate loan may not be suitable for you.

Our lending manager is experienced to help you find out if fixed rate loan is suitable for you based on your situation and plan.

Upon fixed rate term expires, you can:

  • Roll over to another fixed rate term;
  • Revert to variable rate;
  • Change to a different lender.

Your lending manager will discuss the options suitable for you before the fixed term expires.

Make an enquiry

1000 characters left

Strict Standards: Only variables should be assigned by reference in /home3/fce001/public_html/ratesonly.com.au/modules/mod_wsfbcom/mod_wsfbcom.php on line 18

 

 

We respect and protect your privacy. Click here to read our privacy policy.

Comparison rates are culculated based on loan amount $150,000 over 25 year term. They may not truly reflect your situation. Contact us to find out the true borrowing cost for for your requirements.