Get into Your First Home Sooner!
Buying your first home may seem daunting but when you have the right home loan that offers the perfect combination of a low rate, low fees and interest-saving loan features, it can make all the difference. Take your first step into the property market with our Advantage Home Loan 80 (PAYG Special No Offset).
Our competitive low rate is just the beginning. With no application fee, no package fee and no monthly fees to pay ever, you could save thousands over the life of your loan! Plus you have the freedom to make additional repayments at any time, without any penalties, with a free redraw facility giving you unlimited access to the extra funds when needed.
$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.
We can help you get into your first home even with a small deposit
Don’t quite have a 20% deposit saved up? We want to help first home buyers get a head start into the property market.
Talk to us about our 5% deposit HOT home loan offer and get into your first home sooner.
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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 Occupied3.64% p.a.3.67% p.a.
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Maximum LVR80%
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Minimum Loan Size$150,000.00
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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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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: