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Variable Rate Home Loans

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First Rate Home Loan

All in One Home Loan

This basic home loan offers you a great ongoing variable interest rate, no monthly account keeping fees and the flexibility to make extra repayments without penalty so
you can manage your mortgage as you choose.

  • Redraw facility available
  • Loan repayment insurance available
  • Borrow from as little as $30,000
  • No monthly account keeping or service fees
  • No ongoing monthly fees on Visa Debit Cards or Redicards

The All in One Home Loan offers you complete flexiblity
with a full range of features, and a highly competitive
variable interest rate.

  • Free death cover up to $120,000
  • 100% Interest Offset facility
  • No annual fee on Visa Credit Card
  • Discount on Home & Contents and Building Insurance
  • 0.25% p.a. bonus interest on Term Deposits
  • 20 Free monthly transactions
  • No monthly account keeping or service fees
  • Access to our 'Premium Rate' for personal loans

    .... and much more

 

Key Features

First Rate Home Loan

All in One Home Loan
Variable interest rate View our interest rates View our interest rates
Minimum amount $30,000 $30,000
Maximum amount

90% of the property value

 90% of the property value
Loan period Up to 30 years Up to 30 years
Repayments Monthly / Fortnightly / Weekly Monthly / Fortnightly / Weekly
Interest charges Calculated daily, charged monthly Calculated daily, charged monthly
Legal Fees  At cost At cost
Valuation Fees At cost At cost
Variable and lump sum repayments Yes Yes
Early repayment without penalty Yes Yes
Redraw facility Yes Yes
Top up facility available Min $10,000 Min $10,000
Monthly account keeping/service fees No No
Free death cover (up to $120,000 per membership) No Yes
Loan Repayment Insurance available Yes Yes
Auto repayments (salary/account) Yes Yes
100% Offset Facility No Yes
FREE monthly transactions 13 20
Discount on General Insurance Yes Yes
Annual fee on Visa Credit Card Yes No
Access to 'Premium Rate' for personal loans No Yes
Switching fee to Fixed Rate Yes No
Bonus rate on Term Deposits No Yes
Monthly fees on Visa Debit or Redicards No No



More InformationBring Your Home Loan Home

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Questions?

If you have any questions, please contact us.