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Essentials Home Loan - 20% Deposit (Principal and Interest)

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • Extra low interest rate for refinancers
  • Extra low interest rate for new customers
  • No ongoing fees
  • Extra repayments + redraw services
Cons:
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $2mCalculate how much you can borrow »
Total repayments
Total repayments
$740,160View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
15 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$520
Application fee
Application fee$0
Settlement fee
Settlement fee$300
Valuation fee
Valuation fee
$220
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$0
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $2mCalculate how much you can borrow »
Total repayments
Total repayments
$740,160View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
15 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$520
Application fee
Application fee$0
Settlement fee
Settlement fee$300
Valuation fee
Valuation fee
$220
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$0

Loans.com.au is an Australian-owned, innovative online only lender that has been providing Australian customers with a range of low rate, flexible home and investment loans and car loans. Being 100 per cent online means that loans.com.au has fewer overheads and the lender is able to deliver lower rates and fees.

Loans.com.au has won numerous awards including the Smart Investor Blue Ribbon Award for Best Property Investment Loan, Money magazine’s Cheapest Home Loan – non bank and the Cheapest Flexible Home Loan – non bank.

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