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Low Rate Home Loan with Offset (Principal and Interest) (LVR 80%-90%)

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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • Extra low interest rate for refinancers
  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Repayments may increase if RBA raises rates

Fees and Features

Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$100k - $2m
Total repayments
Total repayments
$592,920
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
15 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$0
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$300
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$100k - $2m
Total repayments
Total repayments
$592,920
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
15 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$0
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$300
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount

Compare and review home loans with similar features

Loan Profile
Advertised rate
Advertised rate
3.59%
Variable
Advertised rate
4.07%
Variable
Advertised rate
4.25%
Variable
Advertised rate
4.39%
Variable
Comparison rate*
Comparison rate*
4.00%
Comparison rate*
4.45%
Comparison rate*
4.64%
Comparison rate*
4.78%
Monthly repayment
Monthly repayment
$1,589
Monthly repayment
$1,685
Monthly repayment
$1,722
Monthly repayment
$1,751
Total repayments
Total repayments
$572,040
Total repayments
$606,600
Total repayments
$619,920
Total repayments
$630,360
Minimum deposit %
Minimum deposit %
10%
Minimum deposit %
10%
Minimum deposit %
5%
Minimum deposit %
5%
Loan term
Loan term
1 - 30 years
Loan term
10 - 30 years
Loan term
0 - 30 years
Loan term
1 - 30 years
Loan Fees
Estimated upfront fees
Estimated upfront fees
$1195.00
Estimated upfront fees
$295.00
Estimated upfront fees
$0
Estimated upfront fees
$0
Legal fee
Legal fee
$0
Legal fee
$295
Legal fee
At Cost
Legal fee
$0
Valuation fee
Valuation fee
$350
Valuation fee
$0
Valuation fee
$0
Valuation fee
$0
Discharge fee
Discharge fee
$180
Discharge fee
$100
Discharge fee
$300
Discharge fee
$350
Application fee
Application fee
$845
Application fee
$0
Application fee
$0
Application fee
$0
Ongoing fee
Ongoing fee
$350 annually
Ongoing fee
$349 annually
Ongoing fee
$395 annually
Ongoing fee
$395 annually
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State Custodians is an online lender that was founded in 2007, with a mission to offer an affordable alternative to the banks.

Although a newcomer to the home loan business in Australia, State Custodians is now owned and funded by RESIMAC Limited, which has been delivering financial services for more than three decades.

State Custodians offers a broad range of home loans and also specialises in mortgages that cater for borrowers with bad credit.

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