Current specials- 3.99% Variable rate with 100% offset. No LMI up to 85% LVR.

Posted Monday, 21 September 2015 at 18:56 by Shape Home Loans
Tagged: Loan for investment | LVR for investors | NO LMI | Loan for doctors | Loan for owners occupier | Loan for investor | Investors | Home Buyer | First home buyer | home loans | interest rates | Mortgage reduction | Promotional rate | 95% LVR | Refinance | Cash out | Self employed Loans | news
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Current promotions and special home loans and No LMI home loans 

Current as of 21st September 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 4.34% with interest only and equity allowed

NO LMI up to 85% LVR for refinance and Purchase

Date: 4th August 2015 - 15th November 2015.

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

Lender: Westpac

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.
• 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%.
• 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 31st December  2015 ( Bets to submit the deal before 15th November 2015 to meet this deadline) 
• 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 Occupied

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

Date: 16th September 2015 - End date TBA

The deal: Discount off the standard variable rate for the life of the loan. With no ongoing fees and also Min loan of $150,000.

Lender: The Rock Building society

Rate: 3.99% Variable 

Comparison rate: 4.02%**

Application fee: Waived - $0

Valuation fee: Waived - $0

Annual fee: None - $0

Features:

100% offset account

Extra repayment allowed

Online banking 

Equity allowed and cash out

Uses the NAB ATM for free

Eligibility

• The maximum LVR of up to 80% 
• Available for both new purchases and refinance
• Owners occupier loans only
• Applications submitted after 16th September 2015 ( excludes pre-approval)
• Principle and interest repayment only
• Minimum loan of $150,000

Lowest variable rate for investment loan with interest only and equity allowed.

Date:10th September 2015 - End date TBA

The deal: Discount off the standard basic rate for the life of the loan.

Lender: St George Bank

Rate: 4.34%

Comparison rate: 4.35%**

Application fee: Waived - $0

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

Annual fee: $0

Features:

Extra repayment allowed

Interest only allowed

Online banking 

Equity allowed and cash out

Eligibility

• The maximum LVR of up to 80% ( LMI Payable for any loans over 80%).
• Available for both new purchases and refinance
• Available for Investment and owners occupier ( for owners occupier the rate will be 4.09%)
• End date TBA
• Minimum loan of $150,000

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.