Features include:
- No fee, no minimum Redraw
- Repayment pause
- Option to split your loan with a Fixed Option or Interest Only loan
- Repayments of both principal and interest
- Minimum Smart Home Loan of $25,000 if splitting loan and $150,000 overall of new borrowings
- Ability to refinance
Interest rate effective 1st February 2012
| Interest type: |
variable |
| Interest rate |
6.49%pa |
| Comparison rate |
6.72%pa* |
*Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only.
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.
Protect your property
All our loans require that you take out
building insurance before the loan can be settled. Consider organising your
home and contents insurance at the same time.
Set up automatic repayments We can set your repayments up so they are made automatically. That's one less thing you have to think about. Let us know when you apply for your loan and we can set it up then.
Rewards Package To be eligible for the Smart Home Loan you must also be eligible for the Rewards Package. Find out more about the
rewards you will receive.
To apply for a loan you need to get some documentation together. Call us when you have this and we can do a quick review of your situation to give you a guideline on how much you can borrow.
Evidence of income
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Permanent employees: Two most recent consecutive payslips, or last six months' account statements.
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Casual employees: Letter from your employer(s) on a company letterhead confirming the length of your employment(s) and current salary(ies).
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Self employed: Last two years' personal and business tax returns, a current balance sheet and profit and loss statement and the latest year's tax assessment notice.
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Rental income: Current rental statement or current rental appraisal.
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Investment income, pension or government benefit: Last six months' statements.
Refinancing or debt consolidation
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Last six months' statements for each home loan being refinanced.
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Latest statement for each personal loan or credit card debt being refinanced.
Your deposit
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Evidence
of your savings (i.e. last 3 months' statements).
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Evidence of gift: a letter from the donor must be supplied.
