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First Rate Special

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Get better rates based on your LVR*

Introducing a new tiered-level interest rate option on our First Rate home loan where different interest rates will apply according to your LVR plus all the benefits that come with our standard First Rate.

  • NO monthly account keeping fees
  • UNLIMITED redraw faciity available
  • FLEXIBLE repayment options at no extra cost
  • NO early repayment penalties
  • Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $150,000 to their existing home loan balance

From
3.05% pa1 Owner Occupied Variable rate for LVR of 70% and below

   
3.10% pa2 
Comparison rate

For LVR above 70%, variable interest rate is 3.35%p.a.1 and
comparison rate is 3.40%p.a.2

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What is LVR?

LVR stands for Loan to Value Ratio. LVR is a commonly used acronym in the mortgage and property industry, but what does it mean or how does it apply to home purchases? LVR is the percentage of money you borrow for a home loan compared to the value of the property.

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All displayed interest rates for Owner Occupied loans only. Investment rates available by clicking here


First Rate Home Loan Variable Special (70% LVR and below) - Owner Occupied
Interest Rates
Variable Interest Rate3.05% pa
Comparison Rate3.10% pa
Fees
Annual feeNo
Annual Fee$0 
Establishment Fee$863 
Legal FeesAt cost
Valuation FeesAt cost
Features
Redraw FacilityUnlimited Free Redraw 
Offset AccountNo 
Additional Repayments AcceptedYes 
Additional Repayments Fee$0 
Loan periodUp to 30 years
RepaymentsMonthly Fortnightly Weekly
Top up facility availableMin $10,000
Auto repayments salary/accountYes
FREE monthly transactions13
Annual fee on Visa Credit CardYes
Access to Premium Rate for personal loansNo 
Loan Repayment Insurance AvailableYes
Switching fee to Fixed RateYes
Bonus rate on Term DepositsNo
Repayment HolidayYes
Variable and lump sum repaymentsYes




Credit eligibility criteria, terms and conditions, fees and charges apply.

*LVR based tiered-level interest rates are only available for applications submitted from 11 December 2019.

1. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $150,000 to their existing home loan balance. Minimum loan amount $150,000.
2. The comparison rate is calculated based on secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.