Get into Your First Home Sooner!
Don’t have a big deposit saved up? That doesn’t have to stop you from taking your first step into the property market with confidence. Our Advantage Home Loan 95 (Special) Owner Occupied can get you into your first home and on your way to achieving the great Aussie dream of homeownership.
Take advantage and borrow up to 95% of the loan value and continue to save over the life of your loan with no application fees, no monthly fees and the freedom to make extra lump sum payments without any penalties.
$0 Monthly Fees
More money in your pocket for things you enjoy doing, with no application fee, no package fee and no monthly fees to pay ever.
Redraw Facility
Free unlimited redraws gives you easy access to the additional payments you’ve made above your minimum repayments.
Loan Switching
Breathe easy. No need to worry when interest rates rise, instantly switch from your current variable rate to a fixed rate for peace of mind.
Loan Portability
Ready to move? Simply transfer your loan to your new property so you can continue to take advantage of the same flexible features and low rate.
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Interest
RateComparison
RateThe Comparison Rate is based on a loan of $150,000.00 over 25 years. Fees and charges may be payable. WARNING: The 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. -
Owner Occupied4.09% p.a.4.12% p.a.
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Maximum LVR95%
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Minimum Loan Size$300,000.00
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Maximum Loan SizeNo maximum
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Loan SplittingYes
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Principal & InterestYes
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Additional RepaymentsYes
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Direct DebitsYes
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Salary CreditYes
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Direct CreditsYes
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Redraw FacilityYes
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No Monthly FeesYes
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Internet AccessYes
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Phone AccessYes
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Repayment RequiredYes
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Loan SwitchingYes
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Deposit BondYes
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Loan PortabilityYes
- Fees
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Monthly FeeNo monthly fee
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Package FeeNo package fee
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Rate Lock FeeNo rate lock fee
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Application FeeNo application fee
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Valuation FeeUp to $300 free¹
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Settlement Fee$250
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Discharge Fee$450
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We are award winning lending specialists since 1986
Our latest awards include: