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Live-in Variable Loan (Principal and Interest)

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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
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $2m
Total repayments
Total repayments
$407,520
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
$325
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $2m
Total repayments
Total repayments
$407,520
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
$325
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Other Benefits
100% online application assessment and approval in 22 minutes
Other Restrictions
$10 monthly fee applies for offset account

Compare and review home loans with similar features

Loan Profile
Advertised rate
Advertised rate
3.54%
Variable
Advertised rate
3.59%
Variable
Advertised rate
3.69%
Variable
Advertised rate
3.68%
Variable
Comparison rate*
Comparison rate*
3.58%
Comparison rate*
3.62%
Comparison rate*
3.69%
Comparison rate*
3.70%
Monthly repayment
Monthly repayment
$1,128
Monthly repayment
$1,135
Monthly repayment
$1,149
Monthly repayment
$1,148
Total repayments
Total repayments
$406,080
Total repayments
$408,600
Total repayments
$413,640
Total repayments
$413,280
Minimum deposit %
Minimum deposit %
20%
Minimum deposit %
10%
Minimum deposit %
20%
Minimum deposit %
20%
Loan term
Loan term
1 - 30 years
Loan term
1 - 30 years
Loan term
15 - 30 years
Loan term
15 - 30 years
Refinance
Refinance
Refinance
Refinance
Refinance
Loan Fees
Estimated upfront fees
Estimated upfront fees
$567.00
Estimated upfront fees
$495.00
Estimated upfront fees
$1499.00
Estimated upfront fees
$0
Legal fee
Legal fee
$264
Legal fee
$0
Legal fee
$0
Legal fee
$0
Valuation fee
Valuation fee
$303
Valuation fee
$0
Valuation fee
$0
Valuation fee
$0
Discharge fee
Discharge fee
$535
Discharge fee
$180
Discharge fee
$300
Discharge fee
$300
Application fee
Application fee
$0
Application fee
$495
Application fee
$1,499
Application fee
$0
Ongoing fee
Ongoing fee
$0
Ongoing fee
$350 annually
Ongoing fee
$0
Ongoing fee
$0
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Tic:Toc is a new online-only lender that offers a completely online application process. Home loans can be approved in as little as 22 minutes. Tic:Toc doesn’t charge application fees, valuation fees or loan processing fees. Borrowers need a 20 per cent deposit. They can choose from variable-rate of fixed-rate loans, with offset accounts available for both. Repayments can be made weekly, fortnightly or monthly. Bendigo & Adelaide Bank is an investor in Tic:Toc and also provides its funding.

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