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Pacific Mortgage Group Standard Variable Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan up to $5,000,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a principal & interest loan up to $5,000,000 with an LVR below 60%

The details shown below are for an owner occupier taking out a principal & interest loan up to $5,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan up to $5,000,000 with an LVR below 60%

The details shown below are for an investor taking out a principal & interest loan up to $5,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan up to $5,000,000 with an LVR below 70%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR 60%-70%

    Loan: $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 60%

    Loan: $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $5,000,000

  • Investor (Principal & Interest)

    LVR < 60%

    Loan: $5,000,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $5,000,000

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $5,000,000

Rate
1.89% p.a.
Comparison Rate
1.89% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
1.79% p.a.
Comparison Rate
1.79% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
1.94% p.a.
Comparison Rate
1.94% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.09% p.a.
Comparison Rate
2.09% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.24% p.a.
Comparison Rate
2.24% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.19% p.a.
Comparison Rate
2.19% p.a.
Service fee
$0.00
Upfront fee
$0

Mozo editorial review Pacific Mortgage Group Standard Variable Home Loan - last updated: 2 September 2021

binocular icon
What's hot
  • 1.94% p.a. variable rate (1.94% comparison rate*)
  • Fee-free extra repayments and redraws
  • Weekly, fortnightly or monthly repayment options
  • Two 2021 Mozo Experts Choice Awards wins
What's not
  • No repayment holidays
  • No offset account
Mozo snapshot

Looking for a low cost home loan with flexible features galore? Put this 2021 Mozo Experts Choice Awards winner at the top of your list. Along with the very appealing 1.94% p.a. Variable interest rate (1.94% comparison rate*) for owner-occupiers, the Pacific Mortgage Group Standard Variable Home Loan comes with an identical comparison rate, meaning the full cost of the loan isn’t increased by initial or ongoing fees. Keep in mind that you will need a minimum 20% deposit to be eligible.

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Key features

Pacific Mortgage Group Standard Variable Home Loan keeps things satisfyingly simple, with an affordable 1.94% variable interest rate (1.94% comparison rate*) and no ongoing fees. Additional features include the option to make free redraws on the loan should you require (but just be aware there is a $1000 minimum redraw) , and free extra repayments if you’ve extra cash up your sleeve and want to chip off a few additional loan chunks to reap the interest savings.

You’ll be paying off the loan principal and interest across both the owner occupier and investor loan types, and have the option to make repayments weekly, fortnightly or monthly. This extra flexibility allows you to pay off your home loan when it suits your pay cycle, not the bank’s.

The investor loan interest rate sits at a slightly higher 2.24% p.a. (2.24% comparison rate*). Both borrower types can borrow up to 80% of the property value, and there is no minimum loan amount.

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Who is it good for

Anyone seeking flexibility in their repayment options while keeping costs down. Also bear in mind, Pacific Mortgage Group is an online lender, so you’ll need to be comfortable with tech-based banking.

question icon
Any catches

While this home loan offers many money-saving features, an offset account isn’t included.

Details

Rates and fees information correct as at 20 September 2021. 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

1.89% p.a.

n/a

n/a

n/a

1.89% 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

$0.00

$0.00

Other financial bits

none

$5,000,000

60.00%

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$1,000.00

yes

no

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 20 September 2021. 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

1.79% p.a.

n/a

n/a

n/a

1.79% 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

$0.00

$0.00

Other financial bits

none

$5,000,000

none

60.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$1,000.00

yes

no

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 20 September 2021. 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

1.94% p.a.

n/a

n/a

n/a

1.94% 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

$0.00

$0.00

Other financial bits

none

$5,000,000

70.00%

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$1,000.00

yes

no

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 20 September 2021. 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

2.09% p.a.

n/a

n/a

n/a

2.09% 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

$0.00

$0.00

Other financial bits

none

$5,000,000

none

60.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$1,000.00

yes

no

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 20 September 2021. 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

2.24% p.a.

n/a

n/a

n/a

2.24% 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

$0.00

$0.00

Other financial bits

none

$5,000,000

70.00%

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$1,000.00

yes

no

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 20 September 2021. 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

2.19% p.a.

n/a

n/a

n/a

2.19% 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

$0.00

$0.00

Other financial bits

none

$5,000,000

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$1,000.00

yes

no

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

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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.