The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $7,500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $7,500,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $50,000 and $7,500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $7,500,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $50,000 and $7,500,000 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 | |
|---|---|---|---|---|---|
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Owner Occupier | Principal & Interest | < 80% | $50,000 | $7,500,000 |
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Owner Occupier | Principal & Interest | 81%-90% | $50,000 | $7,500,000 |
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Investor | Principal & Interest | < 80% | $50,000 | $7,500,000 |
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Investor | Interest Only | < 80% | $50,000 | $7,500,000 |
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Owner Occupier | Interest Only | < 80% | $50,000 | $7,500,000 |
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Investor | Principal & Interest | 81%-90% | $50,000 | $7,500,000 |
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Investor | Interest Only | 81%-90% | $50,000 | $7,500,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $50,000 $7,500,000
Owner Occupier (Principal & Interest)
LVR 81%-90%
Loan: $50,000 $7,500,000
Investor (Principal & Interest)
LVR < 80%
Loan: $50,000 $7,500,000
Investor (Interest Only)
LVR < 80%
Loan: $50,000 $7,500,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $50,000 $7,500,000
Investor (Principal & Interest)
LVR 81%-90%
Loan: $50,000 $7,500,000
Investor (Interest Only)
LVR 81%-90%
Loan: $50,000 $7,500,000
|
4.41% p.a. |
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n/a |
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n/a |
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n/a |
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4.47% 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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$600.00 |
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$0.00 |
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$0.00 |
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$150.00 |
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n/a |
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$0.00 |
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$300.00 |
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$50,000 |
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$7,500,000 |
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none |
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80.00% |
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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 - free |
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$0.00 |
|
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yes |
|
|
yes |
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none |
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none |
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|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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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4.46% p.a. |
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n/a |
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n/a |
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n/a |
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4.52% 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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$600.00 |
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$0.00 |
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$0.00 |
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$150.00 |
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n/a |
|
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$0.00 |
|
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$300.00 |
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$50,000 |
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$7,500,000 |
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81.00% |
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90.00% |
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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 - free |
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$0.00 |
|
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yes |
|
|
yes |
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none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
4.56% p.a. |
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n/a |
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n/a |
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n/a |
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4.62% 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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$600.00 |
|
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$0.00 |
|
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$0.00 |
|
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$150.00 |
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n/a |
|
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$0.00 |
|
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$300.00 |
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$50,000 |
|
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$7,500,000 |
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none |
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80.00% |
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Investor |
|
|
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 - free |
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$0.00 |
|
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yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
4.61% p.a. |
|
|
n/a |
|
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n/a |
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n/a |
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4.67% 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 |
|
$600.00 |
|
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$0.00 |
|
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$0.00 |
|
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$150.00 |
|
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n/a |
|
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$0.00 |
|
|
$300.00 |
|
$50,000 |
|
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$7,500,000 |
|
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none |
|
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80.00% |
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Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
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yes - free |
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no |
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yes - free |
|
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$0.00 |
|
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yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
4.61% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.67% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
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|
n/a |
|
$600.00 |
|
|
$0.00 |
|
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$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$300.00 |
|
$50,000 |
|
|
$7,500,000 |
|
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none |
|
|
80.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
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yes - free |
|
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$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
4.61% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
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4.67% p.a. |
|
|
n/a |
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|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
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n/a |
|
$600.00 |
|
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$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$300.00 |
|
$50,000 |
|
|
$7,500,000 |
|
|
81.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
4.81% p.a. |
|
|
n/a |
|
|
n/a |
|
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n/a |
|
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4.74% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$300.00 |
|
$50,000 |
|
|
$7,500,000 |
|
|
81.00% |
|
|
90.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
HSBC was a great option as one of us wasn't a citizen nor permanent resident at the time we applied. They were one of very few providers that allowed this. They've also lowered our variable rate three times in about 15 months, usually passing on RBA rate decisions. Compared to our friends, we have one of the lowest home loan interest rates.
Read full reviewHSBC was a great option as one of us wasn't a citizen nor permanent resident at the time we applied. They were one of very few providers that allowed this. They've also lowered our variable rate three times in about 15 months, usually passing on RBA rate decisions. Compared to our friends, we have one of the lowest home loan interest rates.
Very competitive rates, but not the best facilities, such as physical locations or online banking.
Read full reviewVery competitive rates, but not the best facilities, such as physical locations or online banking.
HSBC have one of the lowest rates, however their app and website functionality is limited. Good customer service.
Read full reviewHSBC have one of the lowest rates, however their app and website functionality is limited. Good customer service.
Recently joined as they were the most competitive option. Customer service is shocking, I was on the phone for an hour and a half to work out if direct debit was set up and when the first payment would be. They were unable to answer my question. I felt it was a reasonably basic request. If they can’t deal with basics I have little hope they can handle anything else.
Read full reviewRecently joined as they were the most competitive option. Customer service is shocking, I was on the phone for an hour and a half to work out if direct debit was set up and when the first payment would be. They were unable to answer my question. I felt it was a reasonably basic request. If they can’t deal with basics I have little hope they can handle anything else.
I originally banked with Bank of Queensland (BoQ) however after a horrible experience with them I switched to HSBC. Best banking decision of my life. I had banked with BoQ for 23 years, even getting a mortgage with them. After a marriage break up I purchased a new property with my son, however after some consideration I wished to refinance so I could pay him out, however BoQ refused to do so because of my age, 63. I requested for them to put the reasoning in writing and they refused. After this I decided to switch to HSBC and the difference was obvious. They were so easy to deal with, they were extremely straight and honest when talking to me and allowed me to refinance. The best part is that I am now saving about $97 a month just by doing nothing. I want to give a big thank you to HSBC for having faith and seeing that a fit 63 year old man earning decent money is still a worthwhile person. As for BoQ, you have lost all faith from me and I would not recommend you to anyone.
Read full reviewI originally banked with Bank of Queensland (BoQ) however after a horrible experience with them I switched to HSBC. Best banking decision of my life. I had banked with BoQ for 23 years, even getting a mortgage with them. After a marriage break up I purchased a new property with my son, however after some consideration I wished to refinance so I could pay him out, however BoQ refused to do so because of my age, 63. I requested for them to put the reasoning in writing and they refused. After this I decided to switch to HSBC and the difference was obvious. They were so easy to deal with, they were extremely straight and honest when talking to me and allowed me to refinance. The best part is that I am now saving about $97 a month just by doing nothing. I want to give a big thank you to HSBC for having faith and seeing that a fit 63 year old man earning decent money is still a worthwhile person. As for BoQ, you have lost all faith from me and I would not recommend you to anyone.
HSBC
Fixed Rate Home Loan (Home Loan Package)
p.a.
4.53% p.a.
$390.00 yearly
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
Newcastle Permanent
Fixed Rate Home Loan
5.89% p.a.
fixed 3 years
5.65% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% 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.
