The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest, interest only loan of at least $100,000 with an LVR below 60%
The details shown below are for an investor taking out a principal & interest, interest only loan of at least $100,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest, interest only loan of at least $100,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 60% | $100,000 | |
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Owner Occupier | Principal & Interest | 60%-80% | $100,000 | |
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Owner Occupier | Principal & Interest | 80%-95% | $100,000 | |
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Investor | Principal & Interest, Interest Only | < 60% | $100,000 | |
|
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Investor | Principal & Interest, Interest Only | 60%-80% | $100,000 | |
|
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Investor | Principal & Interest, Interest Only | 80%-90% | $100,000 |
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $100,000
Owner Occupier (Principal & Interest)
LVR 60%-80%
Loan: $100,000
Owner Occupier (Principal & Interest)
LVR 80%-95%
Loan: $100,000
Investor (Principal & Interest, Interest Only)
LVR < 60%
Loan: $100,000
Investor (Principal & Interest, Interest Only)
LVR 60%-80%
Loan: $100,000
Investor (Principal & Interest, Interest Only)
LVR 80%-90%
Loan: $100,000
For those who already have a home loan but find it no longer suits them, the Momentum Home Loan from G&C Mutual Bank offers an alternative. Refinancers with an LVR below 60% will be able to access rates as low as 3.24% p.a. (3.26% p.a. comparison rate*). The ability to make free extra repayments and access an offset account will also be appreciated by those looking to reduce the amount of interest they pay over the life of their loan.
Available solely for refinancers, the Momentum Home Loan from G&C Mutual Bank offers a range of useful features to go with its highly competitive variable rates. Interest rates vary depending on how much equity you have built up in your home, with LVRs of less than 60% attracting a 3.24% p.a. interest rate (3.26% p.a. comparison rate*) and those on higher LVR tiers charged slightly more.
While loans are available for borrowers with an LVR between 80% and 95%, they will be required to purchase lender’s mortgage insurance, which protects G&C Mutual Bank in case the borrower is unable to service their mortgage. A no deposit guarantor-backed loan is also available via G&C Mutual Bank's Get Ahead Start Guarantor program.
Borrowers will have their choice of making weekly, fortnightly or monthly repayments, and free extra repayments can be made without attracting any fees. There is also a redraw facility in case you want to retrieve any of those extra funds, however a $30 service fee will apply. Finally, a 100% offset account is available, allowing borrowers to use their savings to reduce the principal amount on which interest is charged.
Those with a home loan from another financial institution who are looking for cheaper rates or more attractive features could find what they’re looking for in the Momentum Home Loan.
While there are no upfront or ongoing fees on this loan, a $300 discharge fee will apply.
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3.24% p.a. |
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n/a |
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n/a |
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n/a |
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3.25% p.a. |
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n/a |
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n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
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n/a |
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$0.00 |
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n/a |
|
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n/a |
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n/a |
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n/a |
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$0.00 |
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$300.00 |
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$100,000 |
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none |
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none |
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60.00% |
|
Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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no |
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yes - fees apply |
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$100.00 |
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yes |
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yes |
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|
Available for refinancing applications from another financial institution only. Legal, valuation and settlement fees at cost. |
|
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none |
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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.
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3.34% p.a. |
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n/a |
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n/a |
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n/a |
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3.35% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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$300.00 |
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$100,000 |
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none |
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60.00% |
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80.00% |
|
Owner Occupier |
|
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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no |
|
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yes - fees apply |
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$100.00 |
|
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yes |
|
|
yes |
|
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Available for refinancing applications from another financial institution only. Legal, valuation and settlement fees at cost. |
|
|
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.
|
3.44% p.a. |
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n/a |
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n/a |
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n/a |
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3.45% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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|
n/a |
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|
n/a |
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n/a |
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$0.00 |
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n/a |
|
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n/a |
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n/a |
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n/a |
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$0.00 |
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$300.00 |
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$100,000 |
|
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none |
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80.00% |
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95.00% |
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Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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no |
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yes - fees apply |
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$100.00 |
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yes |
|
|
yes |
|
|
Available for refinancing applications from another financial institution only. Legal, valuation and settlement fees at cost. |
|
|
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.
|
3.64% p.a. |
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n/a |
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n/a |
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n/a |
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3.65% p.a. |
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n/a |
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n/a |
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n/a |
|
|
n/a |
|
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n/a |
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|
n/a |
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|
n/a |
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n/a |
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$0.00 |
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n/a |
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n/a |
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n/a |
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n/a |
|
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$0.00 |
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$300.00 |
|
$100,000 |
|
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none |
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none |
|
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60.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
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Weekly, Fortnightly, Monthly |
|
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yes - free |
|
|
no |
|
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yes - fees apply |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
Available for refinancing applications from another financial institution only. Interest Only repayments are paid monthly. Legal, valuation and settlement fees at cost. |
|
|
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.
|
3.74% p.a. |
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n/a |
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n/a |
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n/a |
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3.75% p.a. |
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n/a |
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n/a |
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n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
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$0.00 |
|
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$300.00 |
|
$100,000 |
|
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none |
|
|
60.00% |
|
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80.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - fees apply |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
Available for refinancing applications from another financial institution only. Interest Only repayments are paid monthly. Legal, valuation and settlement fees at cost. |
|
|
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.
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3.84% p.a. |
|
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n/a |
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n/a |
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n/a |
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3.85% p.a. |
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n/a |
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n/a |
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n/a |
|
|
n/a |
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|
n/a |
|
|
n/a |
|
|
n/a |
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|
n/a |
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$0.00 |
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n/a |
|
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n/a |
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n/a |
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n/a |
|
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$0.00 |
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$300.00 |
|
$100,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - fees apply |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
Available for refinancing applications from another financial institution only. Interest Only repayments are paid monthly. Legal, valuation and settlement fees at cost. |
|
|
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.
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3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
Qudos Bank
No Frills Home Loan
2.99% p.a.
2.99% p.a.
$0.00
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.
