RateCity.com.au
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loans.com.au

Smart Investor Home Loan

Advertised Rate

3.19

% p.a

Variable

Comparison Rate*

3.21

% p.a

Maximum LVR
90%
Real Time Rating™

1.67

/ 5
Monthly Repayment

$1,452

based on $300,000 loan amount for 25 years at 3.19%

Advertised Rate

3.19

% p.a

Variable

Comparison Rate*

3.21

% p.a

Maximum LVR
90%
Real Time Rating™

1.67

/ 5
Monthly Repayment

$1,452

based on $300,000 loan amount for 25 years at 3.19%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,452

based on $300,000 loan amount for 25 years at 3.19%

Quick home loan review

For Smart Investor Home Loan (Interest Only) (LVR < 90%)

These are the benefits of this home loan.

  • No ongoing fees
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • No offset account
  • Higher than average interest rate
  • Not available for first home buyers
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays

Home loan overview

For Smart Investor Home Loan (Interest Only) (LVR < 90%)

Details

Maximum LVR

90%

Total Repayments

Next LVR

Interest rate type

Variable

Borrowing range

Suitable for

Investors

Loan term range

15 - 30 years

Principal & interest

Interest only

Applicable states

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

Make repayments

Monthly

Features

Extra repayments

Unlimited extra repayments

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

$520

Application fee

$0

Valuation fee

$220

Settlement fee

$300

Other upfront fee

$0

Ongoing fee

$0 weekly

Discharge fee

$300

Application method

Online

Phone

Broker

In branch

Other Benefits

Offset account available for an additional 0.10% interest rate

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FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $50k to $1,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 90 percent, which means it requires a minimum deposit of 10 percent

What's the maximum length for this loan?

loans.com.au allows you to have this loan for a range of 15 to 30 years.

How often can you make repayments?

loans.com.au allows you to make repayments to this loan option through one of the following repayment schedules: monthly.

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 $520 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Where can you apply for this loan?

loans.com.au makes it possible to apply for this product online. Apply here.