Delphi Bank home loan reviews

Delphi Bank
Delphi Bank's overall rating for home loans

(as rated by the Mozo community)

5.3 / 10

based on 3 reviews

Price

Features

Customer service

Convenience

Trust

Recent Delphi Bank home loan reviews

Delphi Bank

Delphi Bank home loan review

Overall rating   10 / 10

Fantastic customer service

Easy to speak with the Bank Manger. Easy to communicate with all the staff.

Easy to speak with the Bank Manger. Easy to communicate with all the staff.

    Price   10 / 10

    Features   4 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Maria (VIC), reviewed over 1 year ago

Delphi Bank

Delphi Bank home loan review

Overall rating   6 / 10

Great service

Being a smaller bank they provide a more personal service.

Being a smaller bank they provide a more personal service.

    Price   7 / 10

    Features   -1 / 10

    Customer service   7 / 10

    Convenience   3 / 10

    Trust   9 / 10

Less

Mozo reviewer (VIC), reviewed over 3 years ago

Delphi Bank

Delphi Bank home loan review

Overall rating   10 / 10

Exceptional Customer Service

We completed our online research and this allowed us to go into negotions with the bank and end up with an interest rate and fees that we were happy with. The staff always kept us informed of what was happening with our loan application, via...

We completed our online research and this allowed us to go into negotions with the bank and end up with an interest rate and fees that we were happy with. The staff always kept us informed of what was happening with our loan application, via email, texting and phone calls. This made the whole stressful situation of buying a home stressless, we felt as we were long time friends by settlement date. We have recently been back in contact with the bank to renegotiate terms and once again it has been a stress free process

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Miriam (NSW), reviewed over 4 years ago

Delphi Bank

Delphi Bank home loan review

Overall rating   9 / 10

Good Bank, Good product. If there isn't a branch near you you can deposit into any Coomonwealth Bank branch.

Good Bank, Good product. If there isn't a branch near you you can deposit into any Coomonwealth Bank branch.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Anna (VIC), reviewed almost 6 years ago

Delphi Bank

Delphi Bank home loan review

Overall rating   5 / 10

The interest rates on our loan is increasing too regularly for our liking. It's not the Bank of Cyprus' fault, but the Reserve Banks decision. This bank has maybe two branches in Melbourne. A big inconvenience. Even worse, this bank does not offer...

The interest rates on our loan is increasing too regularly for our liking. It's not the Bank of Cyprus' fault, but the Reserve Banks decision. This bank has maybe two branches in Melbourne. A big inconvenience. Even worse, this bank does not offer banking on the internet. Also when I ring the bank and leave a message, my doesn't get returned for days. Not very good customer service, unfortunately.

    Price   5 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   7 / 10

Less

Mozo reviewer (VIC), reviewed over 6 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo Rates updated daily

  • loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • Low interest rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    Upfront fees

    $520

    Go to site

    More info

    • Low interest rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Breathe Easy Spring Special (LVR<80%, Owner Occupier)

    State Custodians Breathe Easy Spring Special (LVR<80%, Owner Occupier)

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.82% p.a. variable

    comparison rate*

    3.85% p.a.

    Upfront fees

    $286

    Go to site

    More info

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.82% p.a. variable
    • Comparison rate*: 3.85% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts

    interest rate

    3.73% p.a. variable

    comparison rate*

    4.05% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 4.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 8 Gateway Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    interest rate

    3.84% p.a. variable

    comparison rate*

    4.22% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    • Interest rate: 3.84% p.a. variable
    • Comparison rate*: 4.22% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

  • IMB Bank Accelerator Home Loan (Owner Occupier, LVR<80%)

    IMB Bank Accelerator Home Loan (Owner Occupier, LVR<80%)

    • Life-of-loan discount off the standard variable rate
    • Special discounted rate for the first 2 years
    • 100% offset account

    interest rate

    3.74% p.a. variable for 24 months and then 4.59% variable

    comparison rate*

    4.49% p.a.

    Upfront fees

    $769

    Go to site

    More info

    • Life-of-loan discount off the standard variable rate
    • Special discounted rate for the first 2 years
    • 100% offset account
    • Interest rate: 3.74% p.a. variable for 24 months and then 4.59% variable
    • Comparison rate*: 4.49% p.a.
    • Upfront fees: $769
    • Ongoing fees: $0.00
    • Discharge fee: $50.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.3

    Based on 20 IMB Bank home loan reviews

    Need more information?
    Go to site

    More info

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* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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