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Delphi Bank home loan reviews

Delphi Bank
Delphi Bank's overall rating for home loans

(as rated by the Mozo community)

6.3 / 10

based on 7 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.

Full review

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, Victoria, reviewed over 4 years ago

Delphi Bank

Delphi Bank Home Loan review

Overall rating   0 / 10

$8000 Application fee without my consent

$8000 too much before we even start. Applied for a home loan and it was in trust. We basically provided all relevant required/ not required documents as required by the bank. The bank had to cover all avenues which was overkill or maybe amateur...

Full review

$8000 too much before we even start. Applied for a home loan and it was in trust. We basically provided all relevant required/ not required documents as required by the bank. The bank had to cover all avenues which was overkill or maybe amateur in comparison to other bank applications. In other words, they almost included my pet bird in the documents. To have the documents reviewed by their legal team cost us $8k. We have loans with other banks and $880 is reasonable but $8,000 is too much to be charged without prior knowledge of what bill to expect. There was no bill of cost and no detailed costs. Simply $8000 deducted from the account with no valid reason. It's not a good way to start business. The statement was sent to my accountant's address not ours. There is no comparison with say CBA and this bank. I'd rather pay 2 % more and have peace of mind and charges that are reasonable. Life is too short and too busy to be inconvenienced. Not happy at all.

    Price   2 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Mr, New South Wales, reviewed about 5 years ago

Delphi Bank

Delphi Bank Home Loan review

Overall rating   6 / 10

Great service

Being a smaller bank they provide a more personal service.

Full review

Being a smaller bank they provide a more personal service.

    Price   7 / 10

    Customer service   7 / 10

    Convenience   3 / 10

    Trust   9 / 10

Less

Name not supplied, Victoria, reviewed about 6 years ago

Delphi Bank

Delphi Bank Fixed Rate 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...

Full review

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, New South Wales, reviewed about 7 years ago

Delphi Bank

Delphi Bank Home Loan review

Overall rating   4 / 10

its just bad

Full review

its just bad

    Price   7 / 10

    Features   1 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   4 / 10

Less

Daniel, New South Wales, reviewed over 8 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.

Full review

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, Victoria, reviewed over 8 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...

Full review

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

Name not supplied, Victoria, reviewed about 9 years ago

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Home loan comparisons on Mozo - rates updated daily

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    2.88% p.a. variable

    comparison rate*

    2.90% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 2.88% p.a. variable
    • Comparison rate*: 2.90% 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: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.2

    Based on 638 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • 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: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Need more information?
    Go to site

    More info

  • IMB Bank Budget Home Loan (LVR 70-90%, Owner Occupier, Principal & Interest)

    IMB Bank Budget Home Loan (LVR 70-90%, Owner Occupier, Principal & Interest)

    • Free extra repayments
    • Free redraw facility
    • Split account available

    interest rate

    3.13% p.a. variable

    comparison rate*

    3.19% p.a.

    upfront fees

    $799

    Go to site

    More info

    • Free extra repayments
    • Free redraw facility
    • Split account available
    • Interest rate: 3.13% p.a. variable
    • Comparison rate*: 3.19% p.a.
    • Upfront fees: $799
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $75,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    7.9

    Based on 104 IMB Bank home loan reviews

    Need more information?
    Go to site

    More info

  • Queensland Country Credit Union RateSaver (Investor, Interest Only, Fixed)

    Queensland Country Credit Union RateSaver (Investor, Interest Only, Fixed)

    • Borrow up to 90% LVR
    • No Annual or Monthly Loan Maintenance Fees
    • Pay up to $10,000 in additional repayments each year

    interest rate

    3.49% p.a.
    fixed 3 years

    comparison rate*

    3.90% p.a.

    upfront fees

    $500

    Go to site

    More info

    • Borrow up to 90% LVR
    • No Annual or Monthly Loan Maintenance Fees
    • Pay up to $10,000 in additional repayments each year
    • Interest rate: 3.49% p.a.
      fixed 3 years
    • Comparison rate*: 3.90% p.a.
    • Upfront fees: $500
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - up to $10,000 per year
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Fixed
    • Repayment types: Interest Only
    • Availability: Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • Bank of Queensland Discount Fixed Rate 300k+ (Owner Occupier, Principal & Interest)

    Bank of Queensland Discount Fixed Rate 300k+ (Owner Occupier, Principal & Interest)

    • Borrow with as little as 5% deposit (owner occupiers)
    • Ability to make extra repayments
    • 1-5 year fixed term rates

    interest rate

    2.99% p.a.
    fixed 3 years

    comparison rate*

    3.72% p.a.

    upfront fees

    $450

    Go to site

    More info

    • Borrow with as little as 5% deposit (owner occupiers)
    • Ability to make extra repayments
    • 1-5 year fixed term rates
    • Interest rate: 2.99% p.a.
      fixed 3 years
    • Comparison rate*: 3.72% p.a.
    • Upfront fees: $450
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free up to $5,000 p.a
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    7.6

    Based on 514 Bank of Queensland home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 532 home loans in the Mozo comparison engine.

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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.

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