MyRate.com.au home loan reviews

MyRate.com.au
MyRate.com.au's overall rating for home loans

(as rated by the Mozo community)

4.9 / 10

based on 10 reviews

Price

Features

Customer service

Convenience

Trust

Recent MyRate.com.au home loan reviews

MyRate.com.au

MyRate.com.au home loan review

Overall rating   10 / 10

Excellent rates, product and service

MyRate.com.au has consistently provided quick, convenient service, great rates and a great product and all via the internet and telephone.

Full review

MyRate.com.au has consistently provided quick, convenient service, great rates and a great product and all via the internet and telephone.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Veronica (VIC), reviewed almost 2 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   8 / 10

Incredible flexibility and customer focus.

I like to vary my loan repayments and sometimes pay lump sums off the loan. I thought this would be the usual complicated and tedious process. This was not the case. A call and the deed was done. I was able to get the amount of time the new...

Full review

I like to vary my loan repayments and sometimes pay lump sums off the loan. I thought this would be the usual complicated and tedious process. This was not the case. A call and the deed was done. I was able to get the amount of time the new amount would pay the loan off. Also the interest is very competitive. Taking out the loan was also quick and simple. The down side is not having a physical branch to go to and not credit card available from them. However the flexibility, the exceptional customer service, great interest rate, far outweighs the negatives.

    Price   9 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   3 / 10

    Trust   8 / 10

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Marian (NSW), reviewed over 2 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   10 / 10

Very cost competitive and great reliability

My Rate.com.au have very competitive interest rates and no fees. They are very quick and thorough. The people are very helpful, patient and trusting. I have now used them for 3 loans but prior to getting each loan I shopped around but kept...

Full review

My Rate.com.au have very competitive interest rates and no fees. They are very quick and thorough. The people are very helpful, patient and trusting. I have now used them for 3 loans but prior to getting each loan I shopped around but kept coming back to them as being the best. The only con that does not worry me but may be a concern for others is that everything is done over the phone or internet. This was actually my preference because it meant I could do everything without leaving my house and in a time that was most convenient to me.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Andrew (NSW), reviewed almost 3 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   1 / 10

Terrible customer service

Just to let know everyone who was searching for a review - stay away from My Rate they've provided the worst customer service I've ever experienced, dealing for over 20 years with banks and financial institutions never come across one with such as...

Full review

Just to let know everyone who was searching for a review - stay away from My Rate they've provided the worst customer service I've ever experienced, dealing for over 20 years with banks and financial institutions never come across one with such as ignoring attitude towards a long term customer. Also the amount of errors they made, in any other banking institution would be unacceptable!

    Price   4 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Customer (NSW), reviewed almost 3 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   10 / 10

Excellent, easy, stress free home loan

Interest rates are very low, they always pass on the cuts straight away and are so quick and easy to use on line, customer service is excellent via phone, no queues. Best home loan I have ever had.

Full review

Interest rates are very low, they always pass on the cuts straight away and are so quick and easy to use on line, customer service is excellent via phone, no queues. Best home loan I have ever had.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Janet (QLD), reviewed almost 3 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   6 / 10

Once good, but gone off-the-boil

The broker network could do with a lesson in manners. The rate although initially good simply does not compare in the current market.

Full review

The broker network could do with a lesson in manners. The rate although initially good simply does not compare in the current market.

    Price   6 / 10

    Features   6 / 10

    Customer service   4 / 10

    Convenience   7 / 10

    Trust   6 / 10

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Angus (NSW), reviewed about 3 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   2 / 10

Everything is great except their dodgy loan rates.

It's interesting to read all of the 9/10 and 10/10 reviews which are so obviously written by the company itself, please ignore them and concentrate on the more honest reviews, like mine. My major beef is their rates change by an arbitrary rate...

Full review

It's interesting to read all of the 9/10 and 10/10 reviews which are so obviously written by the company itself, please ignore them and concentrate on the more honest reviews, like mine. My major beef is their rates change by an arbitrary rate after the loan has been taken out, and it is ALWAYS more than the advertised rate. As others have pointed out, they blame their lender. In my opinion, if you can't go to the bank's website and calculate what your rate should be, they're doing something dodgy. It's like a honeymoon rate that isn't advertised. No other bank or non-bank lender does this, as far as I know. Other than that I have no problems with them. Setup was a complex process as it is all done online, but I expected that. The service representatives do their best. I will be moving my considerable mortgage as soon as the six year delayed establishment fee expires (or exit fee, as most others know it)... only two years to go...

    Price   2 / 10

    Features   8 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   0 / 10

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Kevin (TAS), reviewed about 4 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   0 / 10

Disgusting and borderline criminal

Obviously MyRate has had their own people on here trying to counter the reviews of real customers. Just don't use them - they suck you in with a low rate and six months later you're paying 2% higher than anywhere else. It's disgusting and...

Full review

Obviously MyRate has had their own people on here trying to counter the reviews of real customers. Just don't use them - they suck you in with a low rate and six months later you're paying 2% higher than anywhere else. It's disgusting and borderline criminal.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Simon (TAS), reviewed about 4 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   2 / 10

A customer for nearly five yrs and not one positiv

I had an advantage home loan with Myrate for four years and have just refinanced with another lender. Why? Because I was paying almost three-quarters of a percent more than their currently advertised rate for the same type of loan. They never...

Full review

I had an advantage home loan with Myrate for four years and have just refinanced with another lender. Why? Because I was paying almost three-quarters of a percent more than their currently advertised rate for the same type of loan. They never passed on RBA cuts in full to existing customers and often increased them beyond RBA increases when interest rates went the other way. Within 12 months I was paying significantly higher rates than what they were "enticing" new customers with on their website and by the end most of my friends with the big four banks had far better rates than I did! So much for the low overhead online lender garbage. I went to them no less than three times to try and negotiate a better deal, the final time a month before I switched. The first two times I got plain refusal, while the third time it took so long for them to get back to me (over three weeks) that I had already started the refinancing process. Even then the rate with my new lender was more 0.6% better than what they came back to me with. Anyone considering MyRate as a lender should be aware. I was sucked in by the promise of an ongoing relatively low interest rate which never eventuated. Their customer service deteriorated markedly once the application process was completed and at no stage did they seem at all interested in retaining the business of a long-term customer. I can't even say they offer a good interest rate anymore as for an online lender they are well off the pace. My advice? Look elsewhere.

    Price   5 / 10

    Features   1 / 10

    Customer service   1 / 10

    Convenience   4 / 10

    Trust   0 / 10

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Kris (QLD), reviewed about 4 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   9 / 10

Good no-frills option

We wanted a no-frills, low cost loan and I have to say that MyRate delivers. I thought I'd have refinanced by now but they've been pretty good at passing on interest rate cuts (better than the big 4 banks anyway), and if they don't then they'll...

Full review

We wanted a no-frills, low cost loan and I have to say that MyRate delivers. I thought I'd have refinanced by now but they've been pretty good at passing on interest rate cuts (better than the big 4 banks anyway), and if they don't then they'll sometimes pass it down if you chase them up or say you're considering moving elsewhere. They charge no fees and are helpful on the phone. Drawbacks are that their exit fees were substantial when we signed (though I think laws have changed around this now) and there are no physical branches so it's all online or over the phone. A mortgage offset account would be a bonus but at this price you won't find many lenders who'll offer one. I'd recommend them if you want a cheap, no-frills loan.

    Price   10 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   5 / 10

    Trust   8 / 10

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Mozo reviewer (NSW), reviewed about 4 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   3 / 10

Bad customer service and no flexibility

I've dealt with a few home loan providers in the past and I have to say MyRate is the worst. Their advertised interest rate is excellent at first galance but do not fall for it. They seem very eager to help during your application process but...

Full review

I've dealt with a few home loan providers in the past and I have to say MyRate is the worst. Their advertised interest rate is excellent at first galance but do not fall for it. They seem very eager to help during your application process but once you become their customer, they couldn't care less. I was naive enough to go with them for my first home loan because their process was simple. What a mistake! It took me a few months to get out of the contract and I wasted so much time and energy talking to them on the phone. They don't have a proper filing system which means you have to re-introduce yourself and the issues you're having every single time because they don't seem to have a record of previous phone conversations. The worst thing is, they are not flexible enough. For example, if you want to have a custom loan package to suit your investment portfolio, they are not flexible enough to adjust features or their pricing for you.

    Price   6 / 10

    Features   3 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Isabel (NSW), reviewed over 4 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   9 / 10

Competitive low rates and fees, highly recommend!

I have recommended MyRate to all of our friends who are looking for a loan provider. After very extensive research, I found MyRate to be consistently among the best lenders, in terms of their low rates and low-to-no fees (due to their low...

Full review

I have recommended MyRate to all of our friends who are looking for a loan provider. After very extensive research, I found MyRate to be consistently among the best lenders, in terms of their low rates and low-to-no fees (due to their low overheads, as they are online). MyRate so far have always passed on the RBA's reduction very quickly, always respond to my calls or emails promptly, and were very patient with all of my questions when we were applying for our homeloan. We've been with them for two years now and I have no complaints. Recently, I rang them to discuss a deal-match offer from a competitor, and they talked me through this option honestly and truthfully. I would definitely recommend them. They do not have 'physical' stores or branches, however if you don't mind internet banking, emailing or over the phone service, then I'd recommend giving them a go! Marita and Kevin were very helpful.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Sam (VIC), reviewed over 4 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   4 / 10

All that glitters is not always gold!!!!

Been with my rate for 5 yrs now. The set up was ridiculous with lots of running around and a paper/phone/email trail a mile long. Our loan service officer tried to tell us we needed lenders mortgage insurance and it took way too long to convince...

Full review

Been with my rate for 5 yrs now. The set up was ridiculous with lots of running around and a paper/phone/email trail a mile long. Our loan service officer tried to tell us we needed lenders mortgage insurance and it took way too long to convince him my maths was telling us otherwise! Deceitful with their claim of "no set up fees", they actually outsource to an external law firm to facilitate the loan and you get billed directly from said law firm. Interest rates move very slowly to go down after the Reserve Bank downs interest rates (they wait for ING to move first) and have on occasion not moved at all or not as much as ING (despite ING being their funder). They have also started to set dates for their rates to drop up to a month after their decision, yet raises happen instantly. They have muted a rival product review site by buying advertising on said site and deleting the long list of unflattering reviews. STAY STRONG MOZO and may the force be with you!!

    Price   4 / 10

    Features   4 / 10

    Customer service   3 / 10

    Convenience   1 / 10

    Trust   2 / 10

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Mel (SA), reviewed over 4 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   1 / 10

Information flow is extremely poor

Interest rate adjustments have been tardy and customer service is poor.

Full review

Interest rate adjustments have been tardy and customer service is poor.

    Price   5 / 10

    Features   5 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   3 / 10

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Andrea (ACT), reviewed almost 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   10 / 10

Changed to Myrate as they treat you like a mate

I had been with the leading banks for ages and always thought that I was being charged too much for my house mortgage loan. After seeing the advertisement on the web I rang and changed my business immediately. They have the best competitive...

Full review

I had been with the leading banks for ages and always thought that I was being charged too much for my house mortgage loan. After seeing the advertisement on the web I rang and changed my business immediately. They have the best competitive mortgage rate, which compared to the leading big banks, is about a whole percent less. Recently I needed money in a hurry and was amazed that I was able to redraw the funds and they were in my nominated bank account the next day. Well done to Myrate. I rate Myrate as the leading Mortgage lender.

    Price   10 / 10

    Features   10 / 10

    Customer service   6 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Brad (NSW), reviewed almost 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   4 / 10

New customers get a better deal than existing ones

As the RBA has recently been reducing interest rates each month, MyRate have not been passing on the full rate cut - usually 5-7 basis points short. I have tried to negotiate a better rate with them (to keep me as a customer) and they were...

Full review

As the RBA has recently been reducing interest rates each month, MyRate have not been passing on the full rate cut - usually 5-7 basis points short. I have tried to negotiate a better rate with them (to keep me as a customer) and they were unwilling to budge.

    Price   6 / 10

    Features   8 / 10

    Customer service   5 / 10

    Convenience   -1 / 10

    Trust   5 / 10

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Nicholas (NSW), reviewed about 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   10 / 10

great rate great service what more do you want.

Good service very low wait time and was there to help with any questions we had. Myrate was also very competive and the big banks dont deserve the business over a business like this.

Full review

Good service very low wait time and was there to help with any questions we had. Myrate was also very competive and the big banks dont deserve the business over a business like this.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Andrew (NSW), reviewed about 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   10 / 10

Great rates and no monthly fees

I have had 3 seperate mortgages and built a new home with My Rate and they have been great. Great interest rates, easy application process, the staff have always been helpful and prompt with their assistance. My account has a redraw facility and...

Full review

I have had 3 seperate mortgages and built a new home with My Rate and they have been great. Great interest rates, easy application process, the staff have always been helpful and prompt with their assistance. My account has a redraw facility and no monthly fees. The only thing they dont have is a branch to go to but I do all of my banking online so I have no need for it. I would recommend My Rate to anyone.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Janet (NSW), reviewed over 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   9 / 10

Good rates without haggling!

Easy and hassle free and no need to haggle and beat them down on the rates. Its like buying in a discount shop in the western world, you know you are getting a good price. Not like haggling in India or China where you are left with the thought...

Full review

Easy and hassle free and no need to haggle and beat them down on the rates. Its like buying in a discount shop in the western world, you know you are getting a good price. Not like haggling in India or China where you are left with the thought that they ripped you off!!

    Price   10 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   7 / 10

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Indika (QLD), reviewed over 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   0 / 10

Rude (phone manners) and expensive

MyRate will go to incredible lengths to capture your business, but when captured, they will, soon, increase the interest rate (much higher than for new clients), they will not pass on the reductions in the official interest rate from the RBA (last...

Full review

MyRate will go to incredible lengths to capture your business, but when captured, they will, soon, increase the interest rate (much higher than for new clients), they will not pass on the reductions in the official interest rate from the RBA (last official reduction was 0.5, they only applied 0.3, fattening their profits in the process, treating us , you with utmost contempt). It takes sometimes half an hour waiting on the phone to be finally told that they cannot take your call (the feeling is unreal, believe me !). Their rate is far from being competitive and I recommend you shop around, there are much better deals than the 6.30% we are currently being charged with no possibility of waiving some of the exorbitant exit fees (loan was contracted in 2009), despite many requests and in order to have my wife only as the mortgagee, from the two of us at the moment. Expensive with an appalling service at the end of the day.

    Price   0 / 10

    Features   0 / 10

    Customer service   1 / 10

    Convenience   0 / 10

    Trust   1 / 10

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Pascale (NSW), reviewed over 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   2 / 10

Not trustworthy

I switched to myRate a few years ago as their interest rate was less than what I had. For some reason my interest rate on my loan is higher than they advertised. When I queried it they said that money became cheap to fund new loans? doesn't...

Full review

I switched to myRate a few years ago as their interest rate was less than what I had. For some reason my interest rate on my loan is higher than they advertised. When I queried it they said that money became cheap to fund new loans? doesn't sound right given the reason full rate cuts from RBA decision haven't been passe don as Banks say money is more expensive for them to get to fund loans. I am on the look out for a new loan - just mindful of the exit fees on the myrate loan.

    Price   5 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   1 / 10

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Doreen (NT), reviewed over 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   5 / 10

Be careful with variable rate with Myrate!

Be careful with myrate, as i'm an existing myrate customrer, the interest rate that they are charging me for my variable home loan is higher than what they are advertising!!! That is, they are advertising for 6.45% variable home load interest...

Full review

Be careful with myrate, as i'm an existing myrate customrer, the interest rate that they are charging me for my variable home loan is higher than what they are advertising!!! That is, they are advertising for 6.45% variable home load interest rate and they are actually charing me 6.64%! I ring up and ask, they reply that the rate they are charging me depends on the period i sign up to the loan. So if you sign up today for example with 6.45%, as variable interest rate account they can adjust any time they like in the future!!! This is more so with today's load provider, they adjust rate independent of RBA and they review it at their leisure. Recent RBA o.5% reduction, they only passed o.3%!!!

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   6 / 10

    Trust   5 / 10

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Lewis (VIC), reviewed over 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   0 / 10

It's a scam

Price: myRate use bait advertisement to sucker customers in with their low rates and they push it up (whilst rate for new customers remain unchanged). as a result, you WILL ALWAYS pay a higher rate than the advertised rate. Product Feature:...

Full review

Price: myRate use bait advertisement to sucker customers in with their low rates and they push it up (whilst rate for new customers remain unchanged). as a result, you WILL ALWAYS pay a higher rate than the advertised rate. Product Feature: Bloody expensive exit fee if you opt out in the first 5 years. Customer service: Totally unhelpful and down right rude. Convenience: What Convenience? Trust: Sorry, no trust for you after you scammed me. Overall rating: Terrible Recommendation: Go somewhere else.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Rocketeer (NSW), reviewed over 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   9 / 10

I have recently settled a refinance of my home loan as part of a property settlement. It was a mammoth task that stretched out over a very long time, the team at MyRate showed me so much support and patience during the long process and it was...

Full review

I have recently settled a refinance of my home loan as part of a property settlement. It was a mammoth task that stretched out over a very long time, the team at MyRate showed me so much support and patience during the long process and it was great to feel this level of support and trust in a bank. My loan officer Griffin was a total legend and I cant thank him enough for helping me settle my new loan.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Tahnee (NSW), reviewed over 5 years ago

MyRate.com.au

MyRate.com.au home loan review

Overall rating   9 / 10

No hassles

It was easy to apply, no hassles, very friendly and supportive, with each step made simple and informative. There was always customer support,either online or by phone, and dealing with the same person (which is important). Information was...

Full review

It was easy to apply, no hassles, very friendly and supportive, with each step made simple and informative. There was always customer support,either online or by phone, and dealing with the same person (which is important). Information was upfront,with no hidden details. It would be an asset to this product if an insurance was offered or available. This is the only thing that let it down. Overall, well done MYWAY. Kudos to you.

    Price   10 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Dawn (QLD), reviewed over 5 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

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

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

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
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    • A super-low rate available to purchases and 20% minimum deposit required
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    • Interest rate: 3.54% p.a. variable
    • Comparison rate*: 3.56% 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
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    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest rate

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    • Comparison rate*: 3.62% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $700,000
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  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
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    comparison rate*

    3.67% p.a.

    upfront fees

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    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
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    • Minimum loan amount: $100,000
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  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

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    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% 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: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

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  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

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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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