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Current promotions and Special home loans and NO LMI home loans

Posted Saturday, 01 August 2015 at 22:52 by Shape Home Loans
Tagged: interest rates | Investors | Promotional rate | Hint/Tip | news | Loan for doctors | NO LMI | LVR for investors
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Current promotions and special home loans and No LMI home loans 

 

For the most updated information on this topic: http://www.shapehomeloans.com.au/current-special-and-no-lmi-loans

 

Current as of 1st August 2015.

 

With over 47 lenders on our accredited list of lenders that we can utilize, we get access to regular promotions and special deals each week; this page list the top 3 each month.

 

Note: depending on loan amount and LVR individual deals can be negotiated. Just ask.

 

Top 3 special home loan

1. No LMI up to 85% LVR for refinance and purchase

2. Lowest variable rate home loan 3.99% with life of the loan discount and 100% offset

3. Lowest variable rate home loan for investment 4.19% with life of the loan discount and optional 100% offset

 

NO LMI up to 85% LVR for refinance and Purchase

 

Date: 4th August 2015 - 15th September 2015

 

The deal: No LMI up to 85% LVR for refinance and purchase of a owners occupier loan.

Lender: St George bank

Rate: Negotiable - Depends on loan amount, Contact us for a quote.

Application fee: Waived - $0

Valuation fee: Waived - $0

Annual fee: $395 pa

 

Features:

100% offset account

Extra repayment allowed

Free credit card

Option to part fix or do a full fix

Online banking 

Equity allowed and cash out

Construction loan allowed

 

Eligibility

  • The maximum LVR allowed for LMI to be is 85% (including Capitalised LMI if applicable). Must meet LMI criteria.
  • Must be able to service and meet normal lending requirements based on the full loan amount including LMI - no exceptions.
  • Full contribution, fees & charges (including LMI) must be available to meet settlement
  • LMI will only be paid in instances where LMI would not be paid on the application if the LVR was less than or equal to 80%.
  • The application will be assessed under Lenders Mortgage Insurance Credit Policy rules where the customer would normally pay the LMI premium.
  • Not available on Basic Home Loans.
  • Available for both new purchases and refinances, however loan purpose must be Owner Occupier.
  • Applications submitted from 4 August 2015 and settled on or before 30 October 2015 ( Bets to submit the deal before 15th September 2015 to meet this deadline) 
  • Applicable to all channels.
  • Not available for loan increases.
  • Cannot be used in conjunction with any new or existing cashback or rebate offers. 
  • No combination loans unless the loan purposes for all the loans are classified as Owner Occupier.
  • Must have an eligible transaction account open for up to 60 days after settlement.

St George No LMI up to 85% LVR

 

Lowest variable rate home loan 3.99% with life of the loan discount and 100% offset 

 

Date: 20th June 2015 - 13th August 2015

 

The deal: 1.49% discount off the standard variable rate for the life of the loan.

Lender: Auswide Bank

Rate: 3.99% Variable 

Comparison rate: 4.39%**

Application fee: Waived - $0

Valuation fee: Waived - $0

Annual fee: $395 pa

 

Features:

100% offset account

Extra repayment allowed

Free credit card

Option to part fix or do a full fix

Online banking 

Equity allowed and cash out

 

Eligibility

  • The maximum LVR of up to 90% ( LMI Payable for any loans over 80%)
  • Available for both new purchases and refinance
  • Applications submitted before 13th August 2015 ( excludes pre-approval)
  • Principle and interest repayment only
  • Minimum loan of $150,000

 

 3.99% Variable rate

 

Lowest variable rate home loan for investment loan 4.19% with life of the loan discount and optional 100% offset 

 

Date: 27th June 2015 - TBA

 

The deal: 0.35% discount off the standard variable rate for the life of the loan.

Lender: Adelaide bank

Rate: 4.19% Variable ( 4.24% for loan with 100% offset + $15 per month fee for the offset)

Comparison rate: 4.23%**

Application fee: Waived - $0

Valuation fee: Up to $350

Annual fee: $0

 

Features:

Extra repayment allowed

Interest only allowed

Free credit card

Optional offset account ( 4.24% + $15 per month fee)

Online banking 

Equity allowed and cash out

 

Eligibility

  • The maximum LVR of up to 90% ( LMI Payable for any loans over 80%)
  • Available for both new purchases and refinance
  • Avalaible for Investment and owners occupier
  • End date TBA
  • Minimum loan of $10,000

 

 Lowest investment loan

 

Contact a Shape Home lons advisor today (No charge). 

Phone: 1300 74 5626

Email: info@shapehomeloans.com.au Or clik here to drop us a note.

Visit our customer service center: 5 Belmore street, Burwood NSW 2134.

Contact details and location page:

 

 

 

 

** Comparison rate = Comparison rates are calculated on the basis of secured credit of $150,000 over a 25 year term. 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.

 

All loans are subject to credit and lenders approval.

 


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