Home Loan Special Offer

Essential Home Loan – Special Offer Main Features:

Loan Purpose:

Borrower Type:

Option 1

Option 2

Option 3

Maximum Loan Size:

Application Fee:

Valuation & Doc Fees:

LMI Capitalisation:

Interest Only Option:

Early Discharge Fee:

Offer Ends:

  • Discounted variable interest rate period for either the first 6 months; or term of loan
  • Fully verified applicants only
  • No ongoing monthly fees
  • Debit Card available to access the Redraw facility via most ATM’s & EFTPOS
  • Additional repayments can be made at any time
  • Free Internet & phone access
  • Up to 4 free splits, $20,000 minimum split
  • Purchase or Refinance residential owner occupier or residential investment securities
  • Individual; Company; Trusts; and Partnerships
  • Variable Interest Rates:
  • No Annual Fee or Settlement Fee applicable – $100,000 Minimum Loan
  • 6 months discount: initial 5.73%* pa reverting to 6.53%* pa
  • Variable Interest Rates:
  • With a $330 Annual Fee and a once off $275 Settlement Fee ‐ $250,000 Minimum Loan
  • 6 months discount: initial 5.63%* pa reverting to 6.43%* pa
  • Variable Interest Rate:
  • With a $330 Annual Fee and a once off $275 Settlement Fee ‐ $250,000 Minimum Loan 6.23%* pa (variable) for the term of the loan
  • $1.5M – up to 80% LVR (LMI payable on loans >$1M)
  • $1.0M – up to 90% LVR
  • $750k – up to 95% LVR
  • $299 fee deducted from loan proceeds
  • As outlined within the Ultimate Home Loan Calculator
  • Up to 95% LVR (QBE LMI or Genworth LMI)
  • Up to 10 years if ≤85% LVR or up to 5 years if >85% LVR
  • (Option 1): 1.5 Months notional payment if discharged within the first 5 years
  • (Option 2): 2.5 Months notional payment if discharged within the first 5 years
  • (Option 3): 2.0 Months notional payment if discharged within the first 5 years
  • Applications must be lodged by COB 31st March 2009