The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $100,000 and $5,000,000 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 | < 80% | $100,000 | $5,000,000 |
|
|
Owner Occupier | Principal & Interest | 80%-90% | $100,000 | $5,000,000 |
|
|
Owner Occupier | Principal & Interest | 90%-% | $100,000 | $5,000,000 |
|
|
Owner Occupier | Interest Only | < 80% | $100,000 | $5,000,000 |
|
|
Owner Occupier | Interest Only | 80%-90% | $100,000 | $5,000,000 |
|
|
Investor | Principal & Interest | < 80% | $100,000 | $5,000,000 |
|
|
Investor | Principal & Interest | 80%-90% | $100,000 | $5,000,000 |
|
|
Investor | Interest Only | < 80% | $100,000 | $5,000,000 |
|
|
Investor | Interest Only | 80%-90% | $100,000 | $5,000,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $100,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR 90%-%
Loan: $100,000 $5,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $100,000 $5,000,000
Owner Occupier (Interest Only)
LVR 80%-90%
Loan: $100,000 $5,000,000
Investor (Principal & Interest)
LVR < 80%
Loan: $100,000 $5,000,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $100,000 $5,000,000
Investor (Interest Only)
LVR < 80%
Loan: $100,000 $5,000,000
Investor (Interest Only)
LVR 80%-90%
Loan: $100,000 $5,000,000
With no ongoing fees and unlimited extra repayments, Great Southern Bank’s Basic Variable Home Loan with competitive rates from 2.44% p.a. (2.49% p.a. comparison rate*) could be a pretty good choice for all types of home buyers. Loans can start from $100,000 to as much as $5 million. It also offers flexible repayment options from weekly, fortnightly and monthly, allowing you to coordinate your payments to your pay cycle.
The Basic Variable Home Loan from Great Southern Bank is available for owner occupiers and investors looking to either buy property or refinance their current home loan with at least a 80% loan-to-value ratio. The bank does offer home loans with 85% LVR and more than 90% LVR at different rates, however those higher LVRs do not qualify for refinancing.
2.44% p.a. (2.49% p.a. comparison rate*) at 80% LVR for owner occupiers making principal and interest repayments.
Another good feature of this loan is the lack of ongoing fees - unlike some other home loans that have an annual service fee. However, this Variable Home Loan has a high one time upfront fee of $835 which covers an establishment and a security administration fee. You will need to budget for this. It also has a $500 discharge fee to consider.
For those who like making extra repayments to their loans, you'll be happy to know you can make them without any limits or penalties. Great Southern Bank’s Basic Variable Home Loan also includes a free redraw facility with no minimum or maximum redraw amount.
This loan could be a good fit for refinancers with a deposit of 20% or above.
|
2.44% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
2.49% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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.
|
2.89% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
2.94% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
80.00% |
|
|
90.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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.
|
3.24% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.29% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
90.00% |
|
|
none |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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.
|
3.09% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
2.65% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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.
|
3.29% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.04% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
80.00% |
|
|
90.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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.
|
2.64% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
2.69% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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.
|
3.19% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.24% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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.
|
2.89% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
2.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.34% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
|
$235.00 |
|
|
n/a |
|
|
n/a |
|
|
$500.00 |
|
$100,000 |
|
|
$5,000,000 |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 May 2022 and settle before 31 August 2022. |
|
|
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.
Applied for an add on loan, a very simple request and one that should take no time at all. After 8 weeks no decision made despite numerous calls and complaints It appears the branch manager at Castle Hill failed to submit my documents. My personal information is somewhere but no one knows where. I have been told it has escalated to management and still nothing. No one gets back to you when promised. A lot of arse covering from management and meanwhile we need funds for urgent repairs. I have been with CUA for 8 years and this is the worst I’ve seen with any bank. Time to introduce the media to their unethical management of personal and private information.
Read full reviewApplied for an add on loan, a very simple request and one that should take no time at all. After 8 weeks no decision made despite numerous calls and complaints It appears the branch manager at Castle Hill failed to submit my documents. My personal information is somewhere but no one knows where. I have been told it has escalated to management and still nothing. No one gets back to you when promised. A lot of arse covering from management and meanwhile we need funds for urgent repairs. I have been with CUA for 8 years and this is the worst I’ve seen with any bank. Time to introduce the media to their unethical management of personal and private information.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a. variable
2.46% p.a.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
2.94% p.a. variable
3.35% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a. variable
2.46% p.a.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
2.94% p.a. variable
3.35% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a.
2.46% p.a.
Qudos Bank
Fixed Rate Home Loan
4.19% p.a.
fixed 3 years
2.92% p.a.
Heritage Bank
Fixed Rate Loan (Home Advantage)
4.49% p.a.
fixed 3 years
3.32% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a.
2.46% 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.
