- Full doc to 95% LVR.
- The rates can be reduced further for loans over 1.2M
- Professional Standard Variable Rate to 90% LVR: 5.45%PA(5.75%CR)
- Discounted Variable rate package,to 75% LVR & $250,000+. At 5.13 %PA (CR 5.46%)
- Low Doc Loan to 80% LVR; $250,000+. At 5.69%PA(6.01%CR )
- Case by case, for those with historical credit impairment or fall outside traditional LMI guideline.
- Full doc combo variable rate 5.38%pa (5.70%CR)
Home Loan Variable Rates
- 1 Year at 4.64%PA (5.37%CR)
- 2 Years at 4.69%PA (5.29%CR)
- 3 Years at 4.84%PA(5.27%CR)
- 5 Years at 5.16%PA(5.41%CR)
Home Loan combo Fixed Rates
- Full Doc Loan to 75% LVR at 6.13%pa
- Equity Loan to 60%LVR at 7.53%pa
- Lease Doc (No Tax returns)to 60%LVR at 6.18%pa
- Lo Doc to 65% LVR at 7.99%pa.
- Lo Doc to 75% LVR at 8.54%pa.
- Fixed rates Commercial
- Full Doc Loan to 75% LVR 3 year fixed at 5.59%pa
- Full Doc Loan to 75% LVR 5 year fixed at 5.96%pa
Commercial Rates: variable.
News on Specials
Low Doc Loans are still available:
ABN from 1 year for home loans.
unlimited Cash out to 80% LVR
Low doc loans for home construction
Our Rates: Contact us as rates are changing quickly
We offer a variety of rates and products to suit any requirement, please contact us to find out more on the up-to-date information about our wide range of products and rates. The variable rates are affected by Reserve Bank decision. The fixed interest rates are affected by our exchange rate with major currencies. Overseas factors such as US long term Treasury Bill Rates, unemployment figures, marker liquidity also impact on the movement of fixed rates.etc. STOP PRESS: Commercial rates drastically reduced and lenders application fee is $1000
Other Home Loan Products
- construction loans
- investment loans
- owner builder construction loan
- vacant land loan
- first home owners loan
- professional packages
- 12 month discount rates
The availability from major bank lenders to products over 75% has reduced as bank lenders try to reduce exposure to risk.
However there has been some availability to 80% LVR low doc residential loans with BAS statements.
These statements, for 12 months, must be requested from the Tax office. They generally take 5 days to receive and must be on Tax Office letterhead. This is merely a pseudo-format for a full doc loan for self employed.
Other Low Doc loans are available to 80% LVR with LMI. Requirements are 12 months ABN. Cash out is available.
Low Doc Residential Loan
Non bank lenders provide up to 80% LVR loans with some cash out available.
Lease Doc Commercial Loan to 75%LVR
This is especially useful for those seeking consolidate existing investment and personal debits. The source is bank lending and interest rates are lower then the previous product. it only requires rental evidence with minmum two years left on the lease.
How are fixed rates calculated?
Fixed rates are set based on a combination of funding costs, pricing by competition and depositor returns. Fixed rates are also impacted by the ability to hedge interest rate risk in the market on a daily basis. Based on these factors, fixed rates may move repeatedly over successive weeks or for several weeks at a time. Fixed rate are fixed on the loan on the day it is settled. So initially at the application stage the fixed rates is only indicative. The rate can be locked at the application stage by paying a rate lock fee.
One Year Fixed Interest Rates
Three Year Fixed Interest Rates
Short term, 1-3year, fixed interest rates continue to historic low.
Five Year Fixed Interest Rates
Mortgage Broker providing low doc home loan, refinance home loan, new home loans, construction home loan, vacant land loan, first home owners grant, bridging finance for homes, car loans, commercial low doc loans, no doc commercial loans, business loan
