Pacific Mortgage Group home loans

Established in 2000, Pacific Mortgage Group is an online mortgage lender based in Sydney. Pacific Mortgage Group offer a streamlined set of variable and fixed rate home loans for both investors and owner occupiers for which they've received numerous awards over the years - most recently three 2020 Mozo Experts Choice Awards for best Low Cost Home Loan, Fixed Rate Home Loan and Split Home Loan. 

What home loans do Pacific Mortgage Group offer?

Rates and fees verified as correct at 17 April, 2021. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

Pacific Mortgage Group's Fixed Rate Home Loan offers borrowers the chance to lock in a competitive rate and the repayment stability that comes with that for 1, 2 or 3 years. The loan is available to both owner occupiers and investors with a maximum loan-to-value ratio (LVR) of 80%, and offers features such as free extra repayments and an online redraw facility and no fees! Find out more using the linked reviews below. 

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

2.19% p.a.

2.25% p.a.

$0.00

$0

2.39% p.a.

2.68% p.a.

$0.00

$0

Variable Rate Home Loans

If the flexibility of a variable rate is more your cup of tea, Pacific Mortgage Group's Standard Variable Home Loan may be a better fit. It's available to owner occupiers and investors willing to make principal and interest repayments, and both types of borrowers will be able to access some of the lowest variable rates around with the loan - especially for those with a larger deposit or greater existing equity. Like the fixed loan, free extra repayments and an online redraw facility are available, though there's a minimum redraw amount of $1,000. 

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

2.09% p.a.

2.09% p.a.

$0.00

$0

1.89% p.a.

1.89% p.a.

$0.00

$0

2.34% p.a.

2.34% p.a.

$0.00

$0

2.59% p.a.

2.59% p.a.

$0.00

$0

Pacific Mortgage Group home loan features in a glance

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Competitive rates 

As an online lender, Pacific Mortgage Group has earned a reputation for its low home loan rates. In fact, some of the interest rates currently available on its fixed and variable home loan offers are amongst the lowest in the Mozo database. 

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Flexible repayment options

Pacific Mortgage Group gives borrowers access to a range of flexible repayment features on both its fixed and variable home loans. These include the ability for customers to make extra repayments towards their loan and to tap into them down the line via the online redraw facility (min. $1,000 redraw amount on Standard Variable Home Loan). Repayments can also be made on a schedule that suits you: either weekly, fortnightly or monthly.

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Low costs

It's not just interest rates that Pacific Mortgage Group are keeping down, but fees as well. That's because the lender doesn't currently charge customers any upfront or ongoing fees on either of its loans. 

What do you need to apply for a Pacific Mortgage Group home loan?

Pacific Mortgage Group has a relatively straightforward application process for borrowers interested in taking out a loan, starting with an online form you can find on their website which will ask for information including: your name, phone number, email address, loan amount and the value of the property. 

Once that's completed, a Pacific Mortgage Group representative will contact you within 48 hours to continue the process. Like all lenders, this may require some additional information like: 

  • Personal details for each applicant (if necessary)
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)

Home loan quick links