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Variable Rate Home Loans - Home Loans Ltd - All In One

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Home Loans Ltd
Comparison Rate 6.58%
Amount $200,000
Term 30 years
Monthly Payment Est. $1,243.17
Total Amount Paid Est. $456,829
Establishment Fee $499.00

6.34%

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Loan Features for Home Loans Ltd - All In One
The Homeloans All In One combines a discounted variable rate loan, full functional transaction account and nil interest Visa account. The Homeloans All In One allows your salary to go to work immediately to help reduce your interest bill while at the same time you can use your Nil Interest Visa Account card for day to day purchases.

This loan is suitable for
PAYG: Minimum 6 months in current employment with 2 yrs in same industry
Self-employed: Minimum 2 yrs in current situation (GST registered for minimum of 12 months)
Applicants must demonstrate 5% genuine savings (for 3 months) for all applications where LMI or REF applies

Home Loan Loan Term
Up to 30 years

Home Loan Loan Size
Minimum $50K
Maximum <80% 2 Million
Maximum >80% 1 Million (subject to Mortgage Insurer / Location)

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Home Loan Repayment Type
Principal & Interest 10 to 30 Years.
Interest Only 1 to 5 Years

Repayment Options
Fortnight, Monthly.

Extra Repayments
Additional repayments may be made at any time. Interest capitalised to 100% of the credit limit before interest payments are required.

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Split Loan Facility
Available.

Offset
100% Offset Not Available

Redraw Facility
Available for all Variable Products. Unlimited free redraws if done via telephone & internet banking. Manual: Fee $25 and minimum redraw amount $2K.


LVR for Variable Rate Home Loans - Home Loans Ltd - All In One

Owner Occupier 90%
Investment Maximum LVR 90%
Refinancing Maximum LVR 85%
Debt Consolidation Maximum LVR 85%
Owner Occupied with Reduced Equity Fee Maximum LVR 90%
Investment with Reduced Equity Fee without Reduced Equity Fee 85%

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Fees for Variable Rate Home Loans - Home Loans Ltd - All In One

Establishment Fee $499 (Application fee includes one standard valuation fee)
Annual Fee $295
Mortgage Prep Fee $490 ( Legal & Loan Processing Fee & Settlement Fee)
Valuation Fee Included in Application Fee
Additional Contract Fee $0

Deferred Establishment Fee
$1500.00 in year 1, $1200 in year 2 and $900 in year 3

Redraw Fee: Nil Fees apply if done via telephone and internet banking. Manual fee: $25
Product change Fee: $250
REF Fee - refer to REF Calculator
Fix Rate Lock Fee $499

 
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The comparison rate applies only to $200,000 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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