Fixed Rate Home Loans - ANZ - 10 yr fixed |
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to select a different loan amount and loan term. Currently: $150,000 over 30 years |
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| Home Loan Lender |
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ANZ Home Loan |
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| Home Loan Product Name |
10 yr fixed |
| Interest Rate |
9.39% |
Comparison Rate
Estimated |
9.55% |
| Amount |
$150,000 |
| Term |
30 years |
Initial Monthly Payment
Estimated |
$1,299.76 |
Monthly Payment
Estimated |
$1,265.83 |
Total Paid
Estimated |
$464,040 |
| Establishment Fee |
$600.00 |
| Enquire/Apply |
 
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| Target Market |
Owner Occupier or Investment purposes
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Purchase existing residential property.
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Finance of holiday homes (residential properties for use by borrower or family but not as their prime residence) from which they will not earn any income.
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Refinance existing loans |
| Acceptable Income |
Self employed applicants to provided returns for last 2 years, Salary and wage earner. |
| Loan Term |
Up to 30 years.
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1,2,3,4,5,7 or 10 years up to overall term of 30 years.
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Principal and Interest or interest only up to 10 years. |
| Loan Size |
Minimum: $50,000 |
| Repayment Type |
Principal & Interest & Interest Only maximum 10 years
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Where repayments are Interest Only the interest must be debited into a nominated ANZ Cheque or Access Account - not the loan account. The fixed term and the interest only term must also match.
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First (Principal and Interest) repayment will commence one week, fortnight or month after the loan is fully drawn as appropriate. |
| Repayment Options |
Weekly, fortnightly, or monthly.
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Intererst Only - monthly payments only must be debited from a ANZ account. |
| Extra Repayments |
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| Split Loan Facility |
Yes |
| Offset |
ANZ One (conditions apply). only on 1 year Fixed.
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ANZ One - No Minimum only on 1 year fixed. |
| Redraw Facility |
Not applicable |
| LVR |
Up to 95% for purchase of new/existing owner occupied property
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Up to 95% for construction properties
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Up to 95% for Vacant Land
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Up to 95% if refinance of existing property.
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Over $1M subject to security location & and maximum LVR allowable. |
| Fees |
Loan Approval Fee: $500 (Max Discount is $100) plus
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Valuation Administration Fee $150 Applies for administration costs incurred for each valuation or price estimate required. VAF not applicable if Contract of Sale used (in line with ANZ Valuation policy) or for Progress Inspections.
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A kerbside valuation is required if the application meets the following criteria:
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The contract price of the property is greater than $300,000, and the application does not include at least one existing ANZ customer
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(an existing ANZ customer is defined as an applicant holding an existing
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non-credit card account with ANZ for at least the past 12 months)
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Progress Payment Fee $250 (Total)
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Early Repayment Fee: $300 + Cost/Benefit
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Loan Administration Charge: $10
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Account Keeping Fees: Nil
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Switch Fees: $350
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Lock Rate Fee $600 + 0.15% of loan amount (subject to change)
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Discount for Loan Approval Fees:
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At least one of the following
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Loan Periodic Payments from ANZ a/c
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Salary Credit to ANZ a/c
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ANZ Credit Card Holder $100 discount and or
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Purchase one of the following Insurances with the loan through ANZ $100 discount
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Mortgage Repayment Insurance
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Home and Contents Insurance
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Residential Investment Property Insurance
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Renegotiation Fee may apply when a change is requested. Depending on the type of change requested, fee is $200 (non-credit critical) or $350 (credit critical)
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VAF may apply if a valuation is required.
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Guarantee Administration Fee $200 |
| Enquire/Apply |
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| Other Fixed Rate Home Loans |
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| Other ANZ Home Loan Products |
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This Comparison Rate applies only to $150,000 with a loan term of 30 years. The loan amount and term will affect the comparison rate calculation. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparsion rate calculation but may influence the cost of the loan.
This rate is to be used as a guide only and we recommend that you confirm it with the lender before acting upon it.
The information provided in this website is a guide only and may not be complete for your purposes. ratesonline.com.au is not licensed to provide investment advice and recommends that you consult an independent financial adviser.
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