Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
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Owner Occupier | Principal & Interest | < 80% | $100,000 | $5,000,000 |
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Investor | Principal & Interest | < 80% | $100,000 | $5,000,000 |
There’s a lot to love about the Homeloan360 Fixed home loan, from its low rates and minimal fees to its whole suite of flexible features which include a 100% offset account and a redraw facility.
With the Homeloans360 Fixed loan, owner occupiers can snag fixed rates ranging from 5.99% (5.90% comparison rate*) for 1 year terms up to 6.39% (6.03% comparison rate*) for 3 year terms. The good news is unlike many other fixed rate offers, Homeloans360 won’t sting you with a high revert rate after your fixed term ends, as its revert rate for owner occupiers sits at a competitive 5.89%.
In addition, you won’t have to worry about paying any of the usual pesky fees (like application, legal, valuation, settlement or ongoing service fees), although there is a $300 discharge fee to account for when you exit the loan.
Homeloan360 Fixed doesn’t hold back on the flexibility front either. Borrowers can choose to match their repayments to their pay cycle, whether that’s weekly, fortnightly or monthly, and they also have access to an offset account which they can take advantage of to pay less interest in the long run. Plus they can make free additional repayments up to $20,000 per year, and redraw at no extra cost ($1 minimum applies) should they need those extra funds for another big expense.
The Homeloan360 Fixed loan is a good choice for borrowers who want the certainty of fixed repayments without having to compromise on any of the bells and whistles.
Remember that there’s a $300 discharge fee once you finish paying off the loan, and break costs may also apply if you repay your loan before your fixed term ends.
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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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5.99% (5.90%*) |
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6.24% (5.96%*) |
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6.39% (6.04%*) |
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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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5.89% p.a. |
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$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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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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$5,000,000 |
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none |
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80.00% |
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Weekly, Fortnightly, Monthly |
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yes - free up to $20,000 p.a. |
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none |
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yes - free |
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$1.00 |
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yes |
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yes |
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$385+gst valuation fee will be charged if the client wishes to not proceed after the valuation. |
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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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n/a |
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n/a |
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n/a |
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n/a |
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6.19% (6.15%*) |
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6.44% (6.20%*) |
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6.54% (6.26%*) |
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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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6.14% p.a. |
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$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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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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$5,000,000 |
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none |
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80.00% |
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Weekly, Fortnightly, Monthly |
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yes - free up to $20,000 p.a. |
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none |
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yes - free |
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$1.00 |
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yes |
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yes |
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$385+gst valuation fee will be charged if the client wishes to not proceed after the valuation. |
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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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Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Offset Home Loan (Package)
6.15% p.a. variable
6.40% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Offset Home Loan (Package)
6.15% p.a.
6.40% p.a.
Basic Home Loan
6.15% p.a.
6.17% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Basic Home Loan (Fixed)
6.09% p.a.
fixed 3 years
6.19% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
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.
