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

Standard Variable Home Loan

  • 2024 Award Winner
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

Interest rate p.a.

5.89%

Comparison rate* p.a.

5.89%

Standard Variable Home Loan

  • 2024 Award Winner
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

Interest rate p.a.

5.89%

Comparison rate* p.a.

5.89%

Calculate your repayments for this loan

$

Your estimated repayment

$2,962

based on 500000 loan amount for 25 years at 5.89%

Monthly Repayment

$2,962

Total interest

$566,494

Total payments

$1,066,494

Start date

05-2024

End date

05-2049

$1,066,494
025 years
Principal owed
Total repayments owed
Interest owed

Pros and Cons

For Standard Variable Home Loan

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 Best Home Loans Over 1 M, Best Offset Home Loan, Best Refinance Home Loan, Best Variable Home Loan, RateCity Gold Awards 2024

Drawbacks

    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

    $50k - $5m

    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

    Offset account

    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

    Legal fee

    $0

    Valuation fee

    $0

    Settlement fee

    $0

    Other upfront fee

    $0

    Ongoing fee

    $0

    Discharge fee

    $0

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