Important disclosure

Pacific Mortgage Group

Standard Variable Home Loan

Real Time Rating™

Owner Occupied
20% min deposit
P&I
Offset Account

Winner of Best Home Loans Over 1m, Best Variable Home Loan, RateCity Gold Awards 2023

Interest Rate

5.89%

p.a

Variable

Comparison Rate*

5.89%

p.a

Real Time Rating™
Tags
Owner Occupied
20% min deposit
P&I
Offset Account
Interest Rate

5.89%

p.a

Variable

Comparison Rate*

5.89%

p.a

Monthly Repayment

$3,188

based on $500,000 loan amount for 25 years at 5.89%

Calculate your repayments for this loan

$

Your estimated repayment

$3,188

based on $500,000 loan amount for 25 years at 5.89%

Pros and cons

For Standard Variable Home Loan (Principal and Interest) (LVR <80%)

Benefits

  • Interest rates ranked in the best 20%
  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option
  • Winner of 2023 RateCity Awards

Pacific Mortgage Group Variable Rate Home loan overview

For Standard Variable Home Loan (Principal and Interest) (LVR <80%)

Details

Maximum LVR

80%

Total Repayments

Interest rate type

Variable

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Repayment type

Principal and Interest

Applicable states

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

Repayment options

Fortnightly, Monthly, Weekly

Target Market Determination

Visit Pacific Mortgage Group to view Target Market Determination.

Features

Extra repayments

Unlimited

Redraw facility

Redraw fee: $0

Split interest facility

Loan portability

Repayment holiday available

Allow guarantors

Available for first home buyers

Other benefits

Fees

Total estimated upfront fees

$0

Application fee

$0

Valuation fee

$0

Settlement fee

$0

Other upfront fee

$0

Ongoing fee

$0

Discharge fee

$0

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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 $5,000,000.

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?

Pacific Mortgage Group allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

Pacific Mortgage Group 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 $0 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?

Pacific Mortgage Group makes it possible to apply for this product online. Apply here.