Fixed Rate Home Loans - HomeSide Lending - 4 yr fixed<$300K |
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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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HomeSide Lending Home Loan |
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| Home Loan Product Name |
4 yr fixed<$300K |
| Interest Rate |
7.39% |
Comparison Rate
Estimated |
7.88% |
| Amount |
$150,000 |
| Term |
30 years |
Initial Monthly Payment
Estimated |
$1,037.55 |
Monthly Payment
Estimated |
$1,092.72 |
Total Paid
Estimated |
$393,600 |
| Establishment Fee |
$600.00 |
| Enquire/Apply |
 
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| Target Market |
A principal and interest housing loan with fixed and variable rate options
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through out the term of the loan. A 1 or 2 year Introductory rate is available on new loans only.
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Owner Occupied and Residential Investment Property |
| Acceptable Income |
Self Employed, Salary and Wage Earners |
| Loan Term |
Minimum: 8 years
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Maximum: 30 years |
| Loan Size |
Minimum: $50K
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Maximum: case by case |
| Repayment Type |
Principal & Interest Repayments
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Home Loan with option of Introductory 1 & 2 year terms, Fixed Rate 1,2,3 &- 5 years terms or Standard Variable rate.
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Note: Introductory Rate is available on new loans only |
| Repayment Options |
Weekly, fortnightly, monthly. |
| Extra Repayments |
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| Split Loan Facility |
Yes (Additional $100 fee applies for each split/account) |
| Offset |
Not available. |
| Redraw Facility |
Fee Free Redraw & Internet access
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Available during variable rate period only. |
| LVR |
Owner Occupied Maximum LVR 95%
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Investment Maximum LVR 95%
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Construction Maximum LVR 95%
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Refinancing Maximum LVR 95%
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Vacant Land Maximum LVR 95%
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Debt consolidation Maximum LVR 95%
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This is available for Principal and Interest Products. Interest Only products can be used where the Interest Only period is limited to a maximum of 5 years then converts to Principal and Interest, including Plain and Simple Interest Only option and HomeSide HomePlus.
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Construction/Land now on case by case refer to BDM. |
| Fees |
Application Fee:$600 base
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The Establishment Fee is waived for loans > than $300K in NSW, VIC, ACT, QLD,WA
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The Establishment Fee is waived for loans > than $200K in SA, NT, TAS
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A fee of $150 for each additional security property is applicable.
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Loan Service Fee:$6 per month
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Document Registration Fee $150 ( varies from state to state)
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Cheque Access Yes on partial offset account
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Card Access Yes on partial offset
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Packaging Yes
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Fixed Rate Options - Rate Lock fee is calculated as 0.15% of the approved limit, rounded to the nearest $10. The minimum fee is $50.
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Early Repayment Fees:$360 (plus economic cost during the fixed rate period).
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Early Exit Fee of $1200 does not reduce over time and is payable if the loan is refinanced or repaid in full within 4 years of the settlement date.
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Early Exit Fee Reducible Mortgage 1 Year Intro Rate home loan Fee 0.70% Term 4 years. |
| Enquire/Apply |
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| Other Fixed Rate Home Loans |
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| Other HomeSide Lending 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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