Current Special and promo for March 2016 - Rate from 3.99%

Posted Wednesday, 02 March 2016 at 15:09 by Shape Home Loans
Tagged: Fixed rates | Loan for investment | LVR for investors | NO LMI | Loan for doctors | Loan for owners occupier | Loan for investor | Investors | Home Buyer | First home buyer | interest rates | Promotional rate | 95% LVR | Low deposit | Refinance | Equity Release | Cash out
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Current promotions and special home loans and No LMI home loans 

 

Current as of 1st March 2016

 

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 our staff top pick of the month.

 

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

 

Current promotion - Owners occupier and investment loans

 

Owners occupier loans

1. Cheapest 4.09% Variable home loan rate with 100% offset ( Min loan $150,000)

2. Cheapest Home loan variable rate with interest only, equity $1,500 cash back and 100% offset

3. Cheapest Fixed rate from 3.99% fixed for 1,2 and 3 years ( Educational sector only)

 

Investment loans

1. Cheapest investment loan 4.21% for purchase and refinance with interest only - Up to 90% LVR

2. 4.39% variable rate for investment loan with interest only and equity allowed for refinance.

3. Investment home loan up to 98% LVR

 

Owners occupier loans

 

 

Cheapest 4.09% Variable home loan rate with 100% offset ( Min loan $150,000)

 

Date: 15th Feb 2016- TBA

Loan type: Owners occuiper loan

 

The deal: Life of the loan discount with 100% offset account

Lender: Gateway Credit union

Variable Rate: 4.09%

Comparison rate: 4.37%**

Application fee: Waived - $0

Valuation fee: Waived - $0 ( Free Upfront Valuation allowed to avoid credit hit if required)

Annual fee: $295 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 limited

Free upfront valuation

 

Eligibility

• The maximum LVR is 80% for this rate
• Available for both new purchases and refinances, however loan purpose must be Owner Occupier.
• Principle and interest only repayments

 

 

 

Cheapest Home loan variable rate with interest only, equity $1,500 cash back and 100% offset

 

Date: 15th Feb 2016 - 31st March 2016 unless withdrawn earlier.

Loan type: Owners occuiper loan

 

The deal: Discount off the standard variable rate for the life of the loan ( 1.30-1.36% discount)  and $1,500 cash back.

Lender: CBA

Variable Rate: 4.24% - 4.35% Variable, depending on loan amount, from $350,000- $800,000

Comparison rate: 4.62% - 4.72%***

Application fee: Waived - $0

Valuation fee: Waived - $0 ( Free Upfront Valuation allowed to avoid credit hit if required)

Annual fee: None - $0

 

Features:

100% offset account

Extra repayment allowed

Online banking 

Equity allowed and cash out

$1,500 cash on settlement ( for refinacne only)

Free upfront valaution

Interest only repayment allowed

 

  

Eligibility

• The maximum LVR of up to 80% 
• Available for both new purchases and refinance
• Owners occupier loans only
• Minimum loan of $250,000

 

Cheapest Fixed rate from 3.99% fixed for 1,2 and 3 years ( Educational sector only)

 

Date: 1st March 2016 - TBA

Loan type: Owners occuiper loan

 

The deal: Fixed rate of 3.99% for 1,2 and 3 years with 100% offset account on the fixed loan.

Lender: Teachers Mutual Bank

Fixed Rate: 3.99% 1, 2 and 3 years

Comparison rate: 5.03% , 5.39%, 5.25% **

Application fee: $600 ( Includes one Valuation)

Valuation fee: Included

Annual fee: $0

 

Features:

100% offset account ( Fixed and Variable)

Extra repayment allowed

Online banking 

Equity allowed and cash out

 

 

Eligibility

• The maximum LVR of up to 80% 
• Available for both new purchases and refinance
• Owners occupier loans only
• Applications submitted after during the promo period
• Minimum loan of $200,000
• Have to be employed in the Australia Educaton sector ( Government schools, Private school, TAFE and university)
• The spouse or family memeber is a TMB member

 

 

 

 

 

 

Investment  loans

 

Cheapest investment loan 4.21% for purchase and refinance with interest only - Up to 90% LVR

 

 

Date:1st March 2016 - End date TBA

Loan type: Investment loan and Owners occuiper loan 

 

The deal: Discount for the life of the loan.

Lender: Citibank

Variable Rate: 4.21%

Comparison rate: 4.25% **

Application fee: $395

Valuation fee: $0

Annual fee: $0

 

Features:

Extra repayment allowed

Interest only allowed

Online banking 

100% offset

Split loan allowed

 

Note: For refinacne, no cash out/equity.

 

 

Eligibility

• The maximum LVR of up to 90%
• Available for both new purchases and refinance
• Available for Investment and owners occupier ( for owners occupier the rate will be 4.08%)
• End date TBA
• Minimum loan of $250,000

 

 

 4.39% variable rate for investment loan with interest only and equity allowed for refinance.

 

Date:20th Feb 2016 - End date TBA

Loan type: Investment loan and Owners occuiper loan 

 

The deal: Discount for the life of the loan.

Lender: Bakwest

Variable Rate: 4.39% * ( Loan over $500,000) and 4.49% ( Loan $200,000- $500,000)

Comparison rate: 4.76%- 4.86% **

Application fee: Waived - $0

Valuation fee: Waived - $0 ( Free Upfront Valuation allowed to avoid credit hit if required)

Annual fee: $395

 

Features:

Extra repayment allowed

Interest only allowed

Online banking 

Equity allowed and cash out

100% offset

Free upfront valuation

 

Eligibility

• The maximum LVR of up to 80%
• Available for both new purchases and refinance
• Available for Investment and owners occupier ( for owners occupier the rate will be 4.22%)
• End date TBA
• Minimum loan of $200,000

 

 

 

Investment home loan up to 98% LVR

 

 

Date:2nd Feb  2016 - 31st March 2016

Loan type: Investment loan and Owners occuiper loan 

 

The deal: Investment loan up to 98% LVR inclusive of LMI cost

Lender: 3 too choose from - contact us for a quote

Variable Rate: 4.80% - 5.60% ( up too 97% LVR) 

Comparison rate: TBA

Application fee: $600

Valuation fee: Up to $350

Annual fee: $395

 

Features:

Extra repayment allowed

Principle and interst repayment only ( interets only allowed for 90-92% LVR)

Online banking 

 

 

Eligibility

• Available for both new purchases and refinance
• Available for Investment and owners occupier 
• End date TBA
• Minimum loan of $200,000
• Perfect credit file

 

 

 

 

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.