PRIME - Super Low
For borrowers wanting to purchase new or established, or refinance existing, homes, and wanting both a cost-effective loan and the security of dealing with a reputable lender.
✓ Pro-pack options with rate discount of 0.1%✓ No annual fee option available✓ Low fixed rate options
From:3.72% pa3.81% cpr
PRIME - Construction
For borrowers wanting to build their own homes, and wanting both a cost-effective loan and the security of dealing with a reputable lender.
✓ Land-only option available✓ Up to 95%, including Lenders Mortgage Insurance✓ Up to 3 dwellings permitted
From:3.65% pa3.67% cpr
PRIME - Lo Doc Construction
Ideal for borrowers with no tax returns available, who want to build a home.
✓ Land-only available✓ Free extra repayments and redraw✓ ZERO application, account keeping, annual or settlement fees
PLUS - Fixed Rate Construction
Will suit upwardly mobile borrowers who want to build their own home, while future proofing their repayments.
✓ Several fixed-rate options, with no lock-fee✓ Unlimited repayments to offset✓ ZERO monthly/ annual fees✓ Construction available
From:4.19% pa4.30% cpr
PLUS - EXTRA Low Rate
Ideal for borrowers wanting to take advantage of an EXTRA low interest rate without sacrificing the feature rich benefits of an offset account.
✓ Flexible repayments✓ Internet and card access✓ Ability to reduce interest payments✓ Owner occupiers✓ Principal and interest only
From:4.23% pa4.26% cpr
PLUS - 100% Offset
Will suit astute borrowers wanting to combine the budgeting security of stable repayments with the financial flexibility of operating an offset account.
✓ Unlimited repayments and redraws, to and from offset✓ ZERO application fee✓ ZERO monthly fee✓ ZERO annual fee✓ General fixed rate option – no lock fee
From:4.19% pa4.30% cpr
VALUE OPTION - Offset Construction
For borrowers who want to construct a home or investment property and operate an offset account once the construction is completed.
✓ Additional repayments permitted during construction (no redraws)✓ 100% offset available once construction is complete✓ Rate discounts for < 80%
From:4.65% paX.XX% cpr
VALUE OPTION - Rate Discount
For borrowers with substantial equity or savings that want to be rewarded for their lower risk lower L.V.R mortgages.
✓ Rate discounts for < 80%✓ 100% offset and VISA debit card available at no extra cost✓ Up to 10 free splits
From:4.50% pa5.02% cpr
VALUE OPTION - SMSF
Suitable for existing SMSF wanting to invest in the residential property market.
✓ LMI only > 70% premium by funder✓ Additional repayments allowed✓ Zero ongoing annual fees
From:5.50% paX.XX% cpr