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Low Rate Home Loan with Offset (LVR < 80%)

State Custodians

Borrowing Amount
Loan term
Advertised rate3.69%Variable
Comparison rate*3.72%
Monthly repayment$1,149
Minimum deposit %20%
Pros
  • Extra low interest rate
  • No ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Cons
  • Discharge fee at end of loan
  • Valuation fee charged
  • Maximum loan amount is limited to 80% of the property value
  • Not available for investment purposes

Loan Profile

Maximum LVR
Maximum LVR80%
Loan term
Loan term15 - 30 years
Borrowing range
Borrowing range$100k - $2mCalculate how much you can borrow »
Investors loans
Investors loans
First home buyer
First home buyer
Owner occupied
Owner occupied
Refinance
Refinance
Line of credit
Line of credit
Self-managed super
Self-managed super

Loan Fees

Estimated upfront fees
Estimated upfront fees$286
Legal fee
Legal fee$0
Valuation fee
Valuation fee$286
Settlement fee
Settlement fee$0
Discharge fee
Discharge fee$300
Application fee
Application fee$0
Ongoing fee
Ongoing fee$0

Repayments & Redraws

Total repayments
Total repayments$413,640
Offset account
Offset account100% offset account
Redraw facility
Redraw facilityRedraw fee: $0
Extra repayments
Extra repaymentsUnlimited extra repayments
Weekly repayments
Weekly repayments
Fortnightly repayments
Fortnightly repayments
Monthly repayments
Monthly repayments
View Repayment Schedule

More Information

Interest rate structure
Interest rate structureVariable
Interest only
Interest only
Allows split interest
Allows split interest
Principal & interest
Principal & interest
Other benefits
Other benefits
Other restrictions
Other restrictions
States Applicable
NSW
NSW
VIC
VIC
SA
SA
WA
WA
QLD
QLD
ACT
ACT
NT
NT
TAS
TAS
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