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BankSA

Fixed Rate Home Loan

Interest Rate

4.99

% p.a

Fixed - 1 year

Comparison Rate*

6.39

% p.a

Maximum LVR
95%
Real Time Rating™

3.60

/ 5
Monthly Repayment

$1,752

based on $300,000 loan amount for 25 years at 4.99%

Interest Rate

4.99

% p.a

Fixed - 1 year

Comparison Rate*

6.39

% p.a

Maximum LVR
95%
Real Time Rating™

3.60

/ 5
Monthly Repayment

$1,752

based on $300,000 loan amount for 25 years at 4.99%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,752

based on $300,000 loan amount for 25 years at 4.99%

BankSA home loans are available through brokers who can help find the right loan and manage your application at no charge.

Lee HAO

5.0
326 Reviews

Get expert advice from a home loans specialist.

Lee is a graduate of Monash University with a Bachelor of Commerce and Arts. Lee is strongly passionate about the real estate market and banks since he was a student. Driven by this passion, together with experience in consulting companies and banks, Lee hopes to educate and guide her clients throughout their real estate ownership journey. Lee believes in placing the clients at the centre of every relationship and building trust through honesty and reliability. 'I want to empower my clients' every property dream and hope to service them until they retire with rent.' 'I will not try to sell you a deal that I will not sell it to my mom.' That's his principle. We are here to fight for the best possible deal for every customer. We have a great relationship with more than 30 lenders. Not that they happen to be on our panel but we actually settled with them and know their policies and procedure inside out. We do not recommend any lenders or products without a personalized and on time research for you. So our process ensure the deals we present are in your best interest hot and fresh. Our standard operation procedure is: 1) Free consultation by phone or zoom to understand your needs. Answer your burning questions. 2) Collect information, facts and document to conduct research for you. Give us a chance and allow us to make a positive impact on your personal finance; Research will usually take 2-3 business days. For more complicate cases may take longer on notice case by case. 3) Present solutions via zoom or in person. 30-60 mins. Also including a property purchase or investment strategy session. 4) Once you made the decision it takes 2-10 business days to proceed and obtain a pre-approval or refinance formal approval. Other days and procedure will be designed and notice according to your situation. 5) Free after settlement review every year too. Service Satisfaction guarantee!!** Call me and let's chat.

VIC3128

CRN: 484532

John Valentine

5.0
12 Reviews

Get expert advice from a home loans specialist.

I have a professional background with 19 years’ experience as a Mortgage Broker.. My loyal client base has been built by providing a high level of service to my clients. A key part of my service is to understand all client requirements and then work out a cost-effective solution that meets their needs. Over the years, I have developed excellent relationships with lenders, which enables me to offer a range of solutions. My knowledge of various lenders’ complex policies and products, allows me to set-up loan structures that meet the needs of each client, while fitting-in with lender credit requirements. I provide a variety of financial services, including: - residential finance - construction loans - business & commercial loans - SMSF loans - Reverse Mortgages etc I deal with all types of clients: - first home buyers - experienced investors - PAYG - self-employed borrowers - companies and trusts. I hold an Australian Credit Licence (477288).

NSW2154

ACL: 477288

Eric Dong

5.0
21 Reviews

Get expert advice from a home loans specialist.

We want to help our clients create lives they love through financial control and empowerment. Only after we’ve listened to what our clients are trying to achieve, and understood their unique set of circumstances do we start devising bespoke solutions for them. We do the legwork, running around and hard work, you will never have a headache for a competitive interest rate or a simplization of the loan process. We will provide expert guidance and help along the whole way from our initial meeting. We have two consultation fee options for both commercial and residential lending advice.

QLD4116

CRN: 429699

Quick home loan review

For Fixed Rate Investment Loan (Principal and Interest) 1 Year

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%
  • Suitable for low deposits
  • Redraw facility available
  • Parents can sign as guarantor
  • Extra repayments and redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • Limited extra repayments
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan

Home loan overview

For Fixed Rate Investment Loan (Principal and Interest) 1 Year

Details

Maximum LVR

95%

Total Repayments

Next LVR

Interest rate type

Fixed - 1 year

Borrowing range

Suitable for

Investors

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Yes - limited to $30000

Redraw facility

Redraw fee: $10

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

864

Application fee

600

Valuation fee

$164

Settlement fee

100

Other upfront fee

0

Ongoing fee

$10 monthly

Discharge fee

350

Application method

Online

Phone

In branch

Available
Not available
Data not captured
Specials
  • Cashback Receive $4000 in cashback when you refinance

Target Market Determination

Visit BankSA to view Target Market Determination.

Embed

BankSA is available through brokers

Lee HAO
5.0
326 Reviews
Lee is a graduate of Monash University with a Bachelor of Commerce and Arts. Lee is strongly passionate about the real estate market and banks since he was a student. Driven by this passion, together with experience in consulting companies and banks, Lee hopes to educate and guide her clients throughout their real estate ownership journey. Lee believes in placing the clients at the centre of every relationship and building trust through honesty and reliability. 'I want to empower my clients' every property dream and hope to service them until they retire with rent.' 'I will not try to sell you a deal that I will not sell it to my mom.' That's his principle. We are here to fight for the best possible deal for every customer. We have a great relationship with more than 30 lenders. Not that they happen to be on our panel but we actually settled with them and know their policies and procedure inside out. We do not recommend any lenders or products without a personalized and on time research for you. So our process ensure the deals we present are in your best interest hot and fresh. Our standard operation procedure is: 1) Free consultation by phone or zoom to understand your needs. Answer your burning questions. 2) Collect information, facts and document to conduct research for you. Give us a chance and allow us to make a positive impact on your personal finance; Research will usually take 2-3 business days. For more complicate cases may take longer on notice case by case. 3) Present solutions via zoom or in person. 30-60 mins. Also including a property purchase or investment strategy session. 4) Once you made the decision it takes 2-10 business days to proceed and obtain a pre-approval or refinance formal approval. Other days and procedure will be designed and notice according to your situation. 5) Free after settlement review every year too. Service Satisfaction guarantee!!** Call me and let's chat.
VIC3128
CRN: 484532

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $150k to $2,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 95 percent, which means it requires a minimum deposit of 5 percent

What's the maximum length for this loan?

BankSA allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

BankSA allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $864 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $10 if you need to use it.

Where can you apply for this loan?

BankSA makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this BankSA loan is available through a broker. Find a broker to help you with your needs.