BIDeloan SMARTeloan Fixed

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $1,500,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $1,500,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $1,500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $1,500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $1,500,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $150,000 and $1,500,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $150,000 and $1,500,000 with an LVR below 90%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $1,500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $1,500,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $1,500,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $1,500,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $1,500,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $1,500,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $150,000 $1,500,000

4.04% p.a.

4.05% p.a.

$345.00 yearly

BIDeloan SMARTeloan Fixed

4.04% p.a.

4.05% p.a.

$345.00 yearly

4.24% p.a.

4.25% p.a.

$345.00 yearly

BIDeloan SMARTeloan Fixed

4.24% p.a.

4.25% p.a.

$345.00 yearly

4.19% p.a.

4.39% p.a.

$345.00 yearly

BIDeloan SMARTeloan Fixed

4.19% p.a.

4.39% p.a.

$345.00 yearly

4.34% p.a.

4.35% p.a.

$345.00 yearly

BIDeloan SMARTeloan Fixed

4.34% p.a.

4.35% p.a.

$345.00 yearly

4.54% p.a.

4.54% p.a.

$345.00 yearly

BIDeloan SMARTeloan Fixed

4.54% p.a.

4.54% p.a.

$345.00 yearly

4.49% p.a.

4.68% p.a.

$345.00 yearly

BIDeloan SMARTeloan Fixed

4.49% p.a.

4.68% p.a.

$345.00 yearly

4.69% p.a.

4.88% p.a.

$345.00 yearly

BIDeloan SMARTeloan Fixed

4.69% p.a.

4.88% p.a.

$345.00 yearly

Mozo Review   BIDeloan SMARTeloan Fixed Review

Last updated: 8 October 2018.

What's hot:
  • Free extra repayments and redraw facility

  • Split rate option

  • Offset account

What's not:
  • $1,499 application fee

  • $345 annual service fee

Mozo snapshot:

If you’re looking for a fixed home loan with lots of features, the BIDeloan SMARTeloan Fixed home loan can be a good place to start the search. The loan comes with an interest rate as low as 4.04% (comparison rate 4.05%) and is available for a 3 year term. While the loan doesn’t come with a valuation fee, it does have a $1,499 application fee and a $345 annual fee. It also has free extra repayments and a redraw facility, as well as a split rate option and an offset account.

Key features:

The BIDeloan SMARTeloan Fixed home loan has low fixed rates beginning as low as 4.04% for 3 years (4.05% comparison rate), but keep in mind your rate may change depending on your LVR, repayment types and whether or not you're an investor.

If you are keen to pay your loan off a little bit faster, while saving on interest, then you’re in luck, as you’re able to make extra repayments on your loan for no extra cost. And if you decide you need to redraw that money, then you can do that for free, as long as you redraw a minimum of $200.

The BIDeloan SMARTeloan Fixed home loan allows borrowing from $150,000 to $1,500,000, with a maximum LVR of 80%. This can be paid in either weekly, fortnightly or monthly repayments.

The loan also comes with the option of setting up an offset account and the option of a split rate if you can’t decide between a fixed and a variable rate.

Who it's good for:

The BIDeloan SMARTeloan Fixed home loan has an option to suit all kinds of borrowers. It’s a particularly good choice for borrowers who are after a full feature mortgage and will get enough value from the suite of features to justify the ongoing fee.

Any catches?

The BIDeloan SMARTeloan Fixed home loan has quite a few fees attached that are worth keeping in mind when applying for this loan. The main two are the $1,499 application fee and the $345 annual fee. There is also a $300 discharge fee to budget for.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.04% (4.05%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.59% p.a.

Fees
  • $1,499.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $345.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $200.00

  • yes

  • yes

  • none

  • none

*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.24% (4.25%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.79% p.a.

Fees
  • $1,499.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $345.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $200.00

  • yes

  • yes

  • none

  • none

*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.19% (4.39%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.74% p.a.

Fees
  • $1,499.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $345.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $200.00

  • yes

  • yes

  • Maximum interest only period 5 years.

  • none

*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.34% (4.35%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.89% p.a.

Fees
  • $1,499.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $345.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $200.00

  • yes

  • yes

  • none

  • none

*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.54% (4.54%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.09% p.a.

Fees
  • $1,499.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $345.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $200.00

  • yes

  • yes

  • none

  • none

*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.49% (4.68%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.04% p.a.

Fees
  • $1,499.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $345.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $1,500,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $200.00

  • yes

  • yes

  • Maximum interest only period 10 years.

  • none

*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.69% (4.88%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.24% p.a.

Fees
  • $1,499.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $345.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $200.00

  • yes

  • yes

  • Maximum interest only period 10 years.

  • none

*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

This product is not currently reviewed.

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a. variable

3.66% p.a.

$520

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a. variable

3.61% p.a.

$150

Promoted

UBank

UBank

UHomeLoan - Offer

3.59% p.a. variable

3.59% p.a.

$0

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

Discount Ultimate Home Loan (Package)

3.61% p.a. variable

3.97% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a. variable

3.53% p.a.

$600

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a. variable

3.66% p.a.

$0

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a. variable

3.59% p.a.

$567

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.99% p.a.

4.38% p.a.

$0

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0

Promoted

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a.

3.59% p.a.

$567

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$600

Promoted

NAB

NAB

Base Variable Rate Home Loan

3.87% p.a.

3.91% p.a.

$600

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

4.04% p.a.
fixed 3 years

4.84% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

Promoted

Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.89% p.a.
fixed 3 years

3.91% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced Fixed

3.83% p.a.
fixed 3 years

3.62% p.a.

$600

Promoted

NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.99% p.a.
fixed 3 years

4.86% p.a.

$0

Promoted

Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.89% p.a.

$0

*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.