Hunter United No Regrets Offset Home Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan of at least $400,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $400,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $400,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $400,000

3.09% p.a.

3.19% p.a.

$8.00 monthly

Hunter United No Regrets Offset Home Loan

3.09% p.a.

3.19% p.a.

$8.00 monthly

3.29% p.a.

3.39% p.a.

$8.00 monthly

Hunter United No Regrets Offset Home Loan

3.29% p.a.

3.39% p.a.

$8.00 monthly

Mozo Review   Hunter United No Regrets Offset Home Loan Review

Last updated: 21 October 2019.

What's hot:
  • Offset account

  • 3.09% (3.19% comparison rate*)

  • Borrow up to 90% of property value

What's not:
  • $8.00 monthly service fee

Mozo snapshot:

Want a home loan that will leave you feeling regret free? Look no further than the Hunter United No Regrets Offset Home Loan which comes with a bunch of flexible features to ensure you pay back your loan the way you want to. Not only does this home loan have no application or settlement fees, Hunter United offers the option for borrowers to make extra repayments, take repayment holidays, set up a split account and of course take full advantage of an offset account to help save on interest.

Key features:

From 12 July, with the Hunter United No Regrets Offset Home Loan principal and interest, owner occupiers will receive a variable interest rate of 3.09% (3.19% comparison rate*). This loan may also let you buy sooner than expected as you can apply with a 10% deposit, although keep in mind that if you take out a low deposit loan of less than 20%, you'll have to pay lenders mortgage insurance, as you're considered a more risky borrower. 

If flexibility is in your DNA, Hunter United’s No Regrets Offset Home Loan could be the fuel to your fire as it offers a bunch of features to help you pay back your loan in a way that suits you. Borrowers can choose to make repayments weekly, fortnightly or monthly, as well as have access to handy features like extra repayments, repayment holidays and a redraw facility. 

One of the most attractive features of this home loan is the 100% daily offset account facility. It gives borrowers the freedom to access their funds whenever they need to and ultimately reduces the amount of interest they pay over the life of their home loan. 

Bear in mind though, there is a minimum redraw amount of $250 and only the first redraw of every month is complimentary, so after that you will face a fee every time you redraw.

Who it's good for:

Hunter United’s No Regrets Offset Home Loan could suit someone who needs flexible options for making repayments and wants to avoid paying too much interest by using an offset account.

Any catches?

This loan is only available for principal and interest, owner occupier borrowers - there is no option for investors. Also remember there is an $8 monthly fee, and while that may not seem like much, over the life of a 30 year loan you’d pay a total of $2880.

Details

Rates and fees information correct as at 14 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.09% p.a.

  • n/a

  • n/a

  • n/a

  • 3.19% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $8.00 monthly

  • $80.00

Other financial bits
  • $400,000

  • none

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • yes - 1st redraw per month free

  • $250.00

  • yes

  • yes

  • none

  • 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.

Details

Rates and fees information correct as at 14 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.29% p.a.

  • n/a

  • n/a

  • n/a

  • 3.39% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $8.00 monthly

  • $80.00

Other financial bits
  • $400,000

  • none

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • yes - 1st redraw per month free

  • $250.00

  • yes

  • yes

  • none

  • 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.

Customer Reviews

How are Hunter United home loans rated by the Mozo community?

Overall customer rating
9.8/10
Price
9.8/10
Features
9.4/10
Customer service
10.0/10
Convenience
9.4/10
Trust
9.6/10
Hunter United

About Hunter United

Hunter United is a community based financial institution that serves the Hunter Valley region. Hunter United is a conservative and responsible lender that specialises in providing valued financial services to its customers. The financial services that Hunter United offers include savings, loans, credit cards and investment products. Hunter United offers competitive rates to both borrowers and lenders within its banking, insurance and superannuation services.

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