RateCity.com.au
Advertisement

Smart Loan Essentials Package (Principal & Interest) (Packaged with Owner Occupier Loan) Offer ends 31st July

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • Low interest rate
  • Extra repayments + redraw services
  • Free redraw facility
  • Repayments may decrease if RBA cuts rates again
Cons:
  • Discharge fee at end of loan
  • Valuation fee charged
  • Settlement fee charged
  • Maximum loan amount is limited to 80% of the property value
  • Not available for first home buyer
  • Not available for refinances

Details & Fees

Maximum LVR
Maximum LVR80%
Interest rate structure
Interest rate structureVariable
Borrowing range
Borrowing range$50k - $2mCalculate how much you can borrow »
Total repayments
Total repayments$411,120View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term15 - 30 years
Offset account
Offset account
Extra repayments
Extra repaymentsUnlimited extra repayments
Redraw facility
Redraw facilityRedraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsWeekly, Fortnightly, Monthly
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$300
Maximum LVR
Maximum LVR80%
Interest rate structure
Interest rate structureVariable
Borrowing range
Borrowing range$50k - $2mCalculate how much you can borrow »
Total repayments
Total repayments$411,120View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term15 - 30 years
Offset account
Offset account
Extra repayments
Extra repaymentsUnlimited extra repayments
Redraw facility
Redraw facilityRedraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsWeekly, Fortnightly, Monthly
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$300

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.

Loans.com.au Home Loan Calculator  
Interested in a Loans.com.au home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Loans.com.au compares to its competitors. Simply plug in your borrowing amount below.

Compare your product with the big 4 banks, or add more products to compare