3.55% Variable with 100% offset cheapest home loan
Posted Friday, 06 April 2018 at 09:56 by Shape Home Loans
Tagged: Self employed Loans | Loan for doctors | Loan for owners occupier | Home Buyer | First home buyer | property investing | interest rates | Mortgage reduction | Promotional rate | Off the plan | Refinance | Cash out | news
Read more blogs...
Top 5 current Lowest variable rate with 100% offset for owners and investors. Option of both Principle and interest and interest only.
We are accredited with over 52 lenders! Contract us for a free quote and recommendation.
Owners loan
Funder/Lender: Adelaide bank
Variable rate: 3.55%
Loan type: Owners occupier Principle and interest repayments
Application fee: $0
Annual fee: $120
Life of the loan discount: Yes
100% offset: Yes
ATM Access: Yes, Via Suncorp, Citibank and Benedigo/adelaide bank
Online Banking: Yes
Cash out/equity/Renovations loan allowed: Yes
Purpose: Refinance, new purchase and debt consolidation
Main conditions:
* Min $150,000 loan
* PAYG must pass probation
* PAYG contractors allowed
* Self employed with 2 years tax returns allowed
Funder/Lender: Citibank
Variable rate: 3.63%
Loan type: Owners occupier Principle and interest repayments
Application fee: $0
Annual fee: $350
Life of the loan discount: Yes
100% offset: Yes
ATM Access: Yes, Via Suncorp, Citibank and Benedigo/adelaide bank
Online Banking: Yes
Cash out/equity/Renovations loan allowed: No, Direct refinance or new purchase only. For cash out rate will be 3.89%
Purpose: Refinance, new purchase
Main conditions:
* Min $500,000 loan
* PAYG probation allowed
* PAYG contractors allowed
* Self employed with 2 years tax returns allowed
INTEREST ONLY OPTION ALLOWED
Funder/Lender: ING Bank
Variable rate: 3.68% (P/I) and 4.09% for Interest only
Loan type: Owners occupier
Application fee: $0
Annual fee: $299
Life of the loan discount: Yes
100% offset: Yes
ATM Access: Free with any of the big 4 Bank- CBA, ANZ, NAB and westpac
Online Banking: Yes
Cash out/equity/Renovations loan allowed: Yes
Purpose: Refinance, new purchase and debt consolidation
Main conditions:
* Min $250,000 loan
* PAYG probation allowed
* PAYG contractors allowed
* Self employed with 2 years tax returns allowed
* Interest only allowed but income and file needs to be above average for credit approval with ING.
Investment loan
Funder/Lender: Adelaide bank
Variable rate: 3.75%
Loan type: Investment Principle and interest repayments
Application fee: $0
Annual fee: $120
Life of the loan discount: Yes
100% offset: Yes
ATM Access: Yes, Via Suncorp, Citibank and Benedigo/adelaide bank
Online Banking: Yes
Cash out/equity/Renovations loan allowed: Yes
Purpose: Refinance, new purchase and debt consolidation
Main conditions:
* Min $150,000 loan
* PAYG must pass probation
* PAYG contractors allowed
* Self employed with 2 years tax returns allowed
INTEREST ONLY OPTION ALLOWED
Funder/Lender: Auswide Bank
Variable rate: 4.19% ( Interest only)
Loan type: Investment Interest only
Application fee: $0
Annual fee: $395
Life of the loan discount: Yes
100% offset: Yes
ATM Access: Yes any westpac ATM
Online Banking: Yes
Cash out/equity/Renovations loan allowed: Yes
Purpose: Refinance, new purchase and debt consolidation
Main conditions:
* Min $100,000 loan
* PAYG must pass probation
* PAYG contractors allowed
* Self employed with 2 years tax returns allowed
ABN 57 142 142 407 | Australian Credit Licence 390573 | MFAA Approved Broker 58602 | COSL Member M0004711