On this page
RateCity Says: Do you have 40% deposit or equity available? Pay no ongoing fees and enjoy access to extra repayments and a redraw facility for your owner-occupied home loan.
Winner of Best Refinance Home Loan, RateCity Gold Awards 2022

On this page
Explore
2.14
% p.a
Variable
2.14
% p.a
$1,292
based on $300,000 loan amount for 25 years at 2.14%

On this page
2.14
% p.a
Variable
2.14
% p.a
$1,292
based on $300,000 loan amount for 25 years at 2.14%
Calculate your repayments for this loan
Your estimated repayment
$1,292
based on $300,000 loan amount for 25 years at 2.14%
Quick home loan review
For Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)
These are the benefits of this home loan.
- Interest rates ranked in the best 20%
- No upfront or ongoing fees
- 100% full offset account
- Extra repayments and redraw facility
- Free redraw facility
- Features on 2021 RateCity Awards
These are the drawbacks of this home loan.
- Maximum loan amount is limited to 60% of the property's value
- No repayment holidays
Home loan overview
For Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 60% | Total Repayments $387,600 |
Interest rate type Variable | |
Borrowing range
$50k
-
$100m
| Suitable for Owner Occupiers |
Loan term range 1 - 30 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Features
Extra repayments Unlimited extra repayments | Offset account 100% offset account |
Redraw facility Redraw fee: $0 | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 0 | Application fee 0 |
Legal fee $0 | Valuation fee $0 |
Settlement fee 0 | Other upfront fee 0 |
Ongoing fee $0 | Discharge fee 0 |
Application method
Online | Phone |
Broker | In branch |
Target Market Determination
Visit Homeloans.com.au to view Target Market Determination.
Checkout more home loans
Home Loans News
Popular home loans searches
FAQs
What is the minimum amount you can apply for?
What's the minimum deposit needed for this loan?
What's the maximum length for this loan?
How often can you make repayments?
How much will the upfront fees be for this loan?
Does this loan come with a redraw facility?
Where can you apply for this loan?