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Bridging Home Loans - The Rock Building Society - Home to Home

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The Rock Building Society
Comparison Rate 6.94%
Amount $200,000
Term 30 years
Monthly Payment Est. $1,315.86
Total Amount Paid Est. $475,860
Establishment Fee $300.00

6.89%

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Loan Features for The Rock Building Society - Home to Home
Residential owner occupied or investment property.
Purchase of residential land.
Construction of residential property
Home improvements.
Refinance of other financial institution loans.
Personal or consumer items
Purchase of an investment portfolio
Purchase or construction of owner occupied or investment property.
Loans for working capital or payment of personal or business tax liabilities are specifically excluded.

This loan is suitable for
PAYG and Self Employed applicants, Company and Trust.

Home Loan Loan Term
Maximum 30 years

Home Loan Loan Size
Preferred Minimum: $150K
Maximum: $3.5 million.

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Home Loan Repayment Type
Principal & Interest.
Interest Only maximum term 5 years.
Variable or Fixed.

Repayment Options
Weekly, Fortnightly or Monthly.

Extra Repayments
Any amount at any time, without penalty (variable or fixed rate loans).

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Split Loan Facility
Available.

Offset
Yes 100% Offset - Account can be held in one borrower's name.
Can operate up to six Offset accounts for the $12 per month per Offset.

Redraw Facility
Nil Fee Minimum Redraw: $1,000. (Account must hold one months advance payment). Maximum LVR after redraw not to exceed 95%..


LVR for Bridging Home Loans - The Rock Building Society - Home to Home

Owner Occupied & Construction Maximum LVR 95% inc LMI.
Residential Investment Maximum LVR 95%.
Vacant Land Maximum LVR 90%.
Interest Only Loans: Up to 90% inc LMI.
Refinancing Up to 95% (One debt only).
Debt consolidation: Up to 90%.

Maximum LVR for Bridging Loans is 80% Peak and end debt.

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Fees for Bridging Home Loans - The Rock Building Society - Home to Home

Application Fee $600 (includes the valuation of one security property)
Additional Valuation Fee $275. (To the value of $1 million the Valuation Fee will be added to the Application Fee).
Progress Inspection Fee $125. This fee is charged for each of the first and final builders payments
Release Fee:$380.
Switch Fee:$250.
Variation Fee - $275 plus documentation of $110.
Monthly Account Keeping Fee $5 per month
Offset Account Keeping Fee $12
Cheques written - $0.75 per cheque.
Rock ATM withdrawal - Free.
Other Financial Institution Withdrawal - $0.50
EFTPOS $0.65.
All Deferred Establishment Fees:
Year 1 or Year 2 minimum $1,500 or 0.25% (whichever is greater).
Year 3 minimum $1,200 or 0.20% (whichever is greater).
Year 4 minimum $900 or 0.15% (whichever is greater).
(Calculated on the approved loan amount).
Plus deferred LMI if original LVR was less than or equal to 80% or $500K.

 
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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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