Finance Details


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TitleDetails
Lender NameBank SA
Loan nameAdvantage Home Loan Package 1 Year Fixed Rate Loan $150K- $249,999 (Interest Only) (Investment)
Initial %4.44%
Ongoing %5.04%
Max Term Fixed Rate1
Max Term Interest Only10
Interest Type (Initial)Fixed
Interest Type (Ongoing)Standard Variable
Repayment FrequencyFortnightly,Monthly,Weekly
Repayment Type (Initial)Interest only
Repayment Type (After Initial)Principal and Interest
Additional Loan Splits Allowed4
FinancialsFull Doc
Non ConformingNo
Product Type: CommercialNo
Product Type: Owner OccupiedNo
Product Type: InvestmentYes
Product Type: EquityYes
Product Type: ConstructionNo
Product Type: Vacant LandYes
Product Type: Line of CreditNo
Product Type: ReverseNo
Product Type: BridgingNo
NotesADVANTAGE PACKAGE Available for fixed loans >$150K and variable loans >$100K. Save when you package a home loan, credit card and transaction account - Flexible repayment options - Choose the home loan, credit card and transaction account most suitable for you - then package and save! - Get great home loan interest rate discounts and save on fees - Get great benefits from discounts on Home Loan Protection, Home and Contents Insurance, and Protection Plans premium - Perfect for 1st home buyers, investors and refinancing. $395 single package fee covers up to 5 home or investment loans - $0 home loan establishment fee - $0 monthly home loan administration fee - $0 annual credit card fee - $0 monthly transaction account-keeping fee - $0 monthly full offset service fee - Free redraw via Phone and Internet banking. The following are not allowed in a package: - any loan where a borrower is a company - any loan where a borrower is a trustee - any loan where a security property is under company title - any loan where any sub-account was/is a construction sub-account.
ERP Notes
BC NotesBreak costs may be charged if customers repay any amount over $10,000 early in any 12 month period. Refer to Break Costs clause in Residential Loan Agreement General Terms and Conditions.
OF Notes$395 Annual Package Fee
Other Fee NotesAdditional Security Property Fee: $100. Partial discharge assessment fee: $350 Company Title: $205 per security Trustee: $205 per trustee When any of the security offered involves a G
Max LVR90.00%
Capitalise LMIYes
LVR NotesMaximum LVR 90% including LMI capitalization.
Genuine SavingsYes
Genuine Savings Notes5% Genuine savings needs to be verified on mortgage insured loans where the LVR exceeds 85%.
Min Loan$150,000.00
Max Loan$249,999.00
Min Term1
Max Term30
Est Fee$0.00
App Fee$0.00
Val Fee$0.00
Legal Fee$0.00
S/m Fee$100.00
Upfront Fee$100.00
Ongoing Monthly Fee$0.00
Ongoing Annual Fee$0.00
Exit Fee$350.00
Fixed Fee$0.00
Other Fee$0.00
Internet BankingYes
Credit CardYes
BPay OptionYes
Professional PackYes
Cheque AccountNo
Intro RateNo
Telephone BankingYes
Direct Salary CreditNo
Portability of LoanYes
Redraw AvailableYes
Offset AccountPartial
Min Redraw$0.00
Free Transactions per Month10
Loan Redraw Fee$10.00
Lender Category Second Tier Bank