7.2 / 10

based on 25 reviews as rated by Mozo community

Delphi Bank home loans

Delphi Bank formerly the Bank of Cyprus Australia has been providing financial and banking services to Australian customers for over 15 years with offices in Sydney, Melbourne and Adelaide. Customer service is the focus of Delphi Bank which also prides itself on competitive interest rates and fees, flexibility and convenience, and corporate social responsibility. Delphi Bank offers home loans and savings accounts among its other range of personal banking products and services.

What home loans do Delphi Bank offer?

Rates and fees verified as correct at 26 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

Variable Rate Home Loans

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments ‡

5.39% p.a.

5.53% p.a.

$8.00 monthly

$620

4.67% p.a.

4.81% p.a.

$8.00 monthly

$620

5.26% p.a.

5.40% p.a.

$8.00 monthly

$620

4.91% p.a.

5.05% p.a.

$8.00 monthly

$620

Line of Credit

Product Rate Comparison Rate Service fee Upfront fee

5.52% p.a.

n/a

$8.00 monthly

$620

6.07% p.a.

n/a

$8.00 monthly

$620

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.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

How are Delphi Bank home loans rated?

Mozo users have rated Delphi Bank home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
Delphi Bank home loans
Overall
6.3/10
Price
Features
Customer service
Convenience
Trust

7 Reviews

Recent Delphi Bank home loan reviews

Delphi Bank Home Loan review
Overall 10/10
Fantastic customer service

Easy to speak with the Bank Manger. Easy to communicate with all the staff.

Read full review

Easy to speak with the Bank Manger. Easy to communicate with all the staff.

Price
10/10
Features
4/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Maria, Victoria, reviewed over 5 years ago
Delphi Bank Home Loan review
Overall 0/10
$8000 Application fee without my consent

$8000 too much before we even start. Applied for a home loan and it was in trust. We basically provided all relevant required/ not required documents as required by the bank. The bank had to cover all avenues which was overkill or maybe amateur in comparison to other bank applications. In other words, they almost included my pet bird in the documents. To have the documents reviewed by their legal team cost us $8k. We have loans with other banks and $880 is reasonable but $8,000 is too much to be charged without prior knowledge of what bill to expect. There was no bill of cost and no detailed costs. Simply $8000 deducted from the account with no valid reason. It's not a good way to start business. The statement was sent to my accountant's address not ours. There is no comparison with say CBA and this bank. I'd rather pay 2 % more and have peace of mind and charges that are reasonable. Life is too short and too busy to be inconvenienced. Not happy at all.

Read full review

$8000 too much before we even start. Applied for a home loan and it was in trust. We basically provided all relevant required/ not required documents as required by the bank. The bank had to cover all avenues which was overkill or maybe amateur in comparison to other bank applications. In other words, they almost included my pet bird in the documents. To have the documents reviewed by their legal team cost us $8k. We have loans with other banks and $880 is reasonable but $8,000 is too much to be charged without prior knowledge of what bill to expect. There was no bill of cost and no detailed costs. Simply $8000 deducted from the account with no valid reason. It's not a good way to start business. The statement was sent to my accountant's address not ours. There is no comparison with say CBA and this bank. I'd rather pay 2 % more and have peace of mind and charges that are reasonable. Life is too short and too busy to be inconvenienced. Not happy at all.

Price
2/10
Features
0/10
Customer service
0/10
Convenience
0/10
Trust
0/10
Less
Mr, New South Wales, reviewed over 6 years ago
Delphi Bank Home Loan review
Overall 6/10
Great service

Being a smaller bank they provide a more personal service.

Read full review

Being a smaller bank they provide a more personal service.

Price
7/10
Customer service
7/10
Convenience
3/10
Trust
9/10
Less
Mozo community reviewer, Victoria, reviewed about 7 years ago
Delphi Bank Fixed Rate review
Overall 10/10
Exceptional Customer Service

We completed our online research and this allowed us to go into negotions with the bank and end up with an interest rate and fees that we were happy with. The staff always kept us informed of what was happening with our loan application, via email, texting and phone calls. This made the whole stressful situation of buying a home stressless, we felt as we were long time friends by settlement date. We have recently been back in contact with the bank to renegotiate terms and once again it has been a stress free process

Read full review

We completed our online research and this allowed us to go into negotions with the bank and end up with an interest rate and fees that we were happy with. The staff always kept us informed of what was happening with our loan application, via email, texting and phone calls. This made the whole stressful situation of buying a home stressless, we felt as we were long time friends by settlement date. We have recently been back in contact with the bank to renegotiate terms and once again it has been a stress free process

Price
8/10
Features
8/10
Customer service
9/10
Convenience
10/10
Trust
10/10
Less
Miriam, New South Wales, reviewed over 8 years ago
Delphi Bank Home Loan review
Overall 4/10

its just bad

Read full review

its just bad

Price
7/10
Features
1/10
Customer service
8/10
Convenience
6/10
Trust
4/10
Less
Daniel, New South Wales, reviewed over 9 years ago

What do you need to apply for a Delphi Bank home loan?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)

Home loan quick links