RateCity.com.au
powering smart financial decisions
loans.com.au

ZIP Home Loan

Advertised Rate

2.73

% p.a

Variable

Comparison Rate*

2.75

% p.a

Maximum LVR
80%
Real Time Rating™

2.40

/ 5
Monthly Repayment

$1,381

based on $300,000 loan amount for 25 years at 2.73%

Advertised Rate

2.73

% p.a

Variable

Comparison Rate*

2.75

% p.a

Maximum LVR
80%
Real Time Rating™

2.40

/ 5
Monthly Repayment

$1,381

based on $300,000 loan amount for 25 years at 2.73%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,381

based on $300,000 loan amount for 25 years at 2.73%

Quick home loan review

For ZIP Home Loan (Principal and Interest)

These are the benefits of this home loan.

  • Lower than average interest rate
  • No ongoing fees
  • Extra repayments and redraw facility
  • Free redraw facility

These are the drawbacks of this home loan.

  • No offset account
  • Higher than average upfront fee
  • Discharge fee at end of loan

Home loan overview

For ZIP Home Loan (Principal and Interest)

TMD

Details

Maximum LVR

80%

Total Repayments

Next LVR

Interest rate type

Variable

Borrowing range

Suitable for

Owner Occupiers

Loan term range

15 - 30 years

Principal & interest

Interest only

Applicable states

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

Make repayments

Fortnightly, Monthly, Weekly

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

Discharge fee

300

Application method

Online

Phone

Broker

In branch

Specials
  • Other A low rate home loan with a 0% ZIP Visa Debit Card

Target Market Determination

Visit loans.com.au to view Target Market Determination.

Other Benefits

$5000 limit Visa Debit Card with 0% interest

Embed

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $250k 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 80 percent, which means it requires a minimum deposit of 20 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: 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 $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.