RHG home loan reviews

RHG
RHG's overall rating for home loans

(as rated by the Mozo community)

2.4 / 10

based on 9 reviews

Price

Features

Customer service

Convenience

Trust

Recent RHG home loan reviews

RHG

RHG home loan review

Overall rating   0 / 10

Unfair

Worst and most unethical lender out there. Stay away!!!

Full review

Worst and most unethical lender out there. Stay away!!!

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Me (NSW), reviewed over 2 years ago

RHG

RHG home loan review

Overall rating   6 / 10

Average

Just another provider.

Full review

Just another provider.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   4 / 10

Less

Brian (VIC), reviewed over 2 years ago

RHG

RHG home loan review

Overall rating   5 / 10

Fair

Service has not been the best and the rate could be better.

Full review

Service has not been the best and the rate could be better.

    Price   4 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   4 / 10

    Trust   5 / 10

Less

Adam (NSW), reviewed over 2 years ago

RHG

RHG home loan review

Overall rating   3 / 10

Non existent personal banking

There's no personal banking experience. We can't even see anyone in person regarding our mortgage, it's all done over the phone .

Full review

There's no personal banking experience. We can't even see anyone in person regarding our mortgage, it's all done over the phone .

    Price   5 / 10

    Features   3 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   0 / 10

Less

Bridie (SA), reviewed over 3 years ago

RHG

RHG home loan review

Overall rating   1 / 10

Rip off merchants

Would never recommend this lender, the highest of interest rates and hit you when you are down. Wouldn't recommend them to my worst enemy.

Full review

Would never recommend this lender, the highest of interest rates and hit you when you are down. Wouldn't recommend them to my worst enemy.

    Price   1 / 10

    Features   1 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

Less

Diane (NSW), reviewed about 4 years ago

RHG

RHG home loan review

Overall rating   0 / 10

I will never use RAMS again because I am so cross

RAMS sold my loan to RHG who are not writing new loans so they don't reduce the variable interest rate when rates get cut and they have told me I need to change providers but that is hard for me to do - need to go through a family court process to...

Full review

RAMS sold my loan to RHG who are not writing new loans so they don't reduce the variable interest rate when rates get cut and they have told me I need to change providers but that is hard for me to do - need to go through a family court process to refinance the house, meanwhile my interest rate is much higher than it should be - this is so unfair, I paid high rates when they were high and should enjoy the low rates everyone else is enjoying now.

    Price   1 / 10

    Features   0 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   0 / 10

Less

Sam (ACT), reviewed about 4 years ago

RHG

RHG home loan review

Overall rating   5 / 10

Really bad rates and service

Not willing to negotiate on rate even though we have been a customer for a long time.

Full review

Not willing to negotiate on rate even though we have been a customer for a long time.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Helena (NSW), reviewed about 4 years ago

RHG

RHG home loan review

Overall rating   6 / 10

Great interest rates

Great interest rates, good customer service and internet banking is clear and simple.

Full review

Great interest rates, good customer service and internet banking is clear and simple.

    Price   9 / 10

    Features   5 / 10

    Customer service   2 / 10

    Convenience   6 / 10

    Trust   3 / 10

Less

Mozo reviewer (VIC), reviewed over 4 years ago

RHG

RHG home loan review

Overall rating   0 / 10

The most unjust lender ever, owned by Westpac

The interest rate is high and unjust.

Full review

The interest rate is high and unjust.

    Price   0 / 10

    Features   4 / 10

    Customer service   0 / 10

    Convenience   5 / 10

    Trust   0 / 10

Less

Mozo reviewer (NSW), reviewed over 4 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    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
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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: 3.54% 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
    • 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    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

    3.62% p.a. variable

    comparison rate*

    3.62% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.62% p.a. variable
    • 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
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • 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
    • 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

    Go to site

    More info

    • $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
    • 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
    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

    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

    Go to site

    More info

    • 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

    Need more information?
    Go to site

    More info

  • 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

    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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