February Lowest Variable Rate 2012

Posted Wednesday, 15 February 2012 at 04:16 by Shape Home Loans
Tagged: interest rates
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Top Lenders

Negotiated rates available to Shape Home loans Customers- Same Banks. Better Rates. Served With A Passion.

Based on $400,000+ | 30 years term | LVR 95% or under | Conditions applies **

Discount margins are for the LIFE OF THE LOAN

As of 12th Feb 2012

Lenders	Interest Rate	Features
	6.09%	SHAPE HOME LOANS EXCLUSIVE DEAL Max LVR of 75% For 75-90% LVR, rate loading of 0.1% applies Redraw and extra repayment available Great for construction loans Trust and company are fine $350 Annual fee Note an additional once off $1,200 Set up cost applies ( Set up cost can be borrowed and added to the loan) Based on a $400,000 loan- a Difference of 0.30% difference in rate = $1,200 saved per year in interest Back by NAB Refinance and new purchase- investors and owners occupier
	6.40%	0.9% DISCOUNT (for the life of the loan) Min loan amount of $500,000 ( for this rate) LVR must be under 80% Interest only available Redraw and extra repayment available 100% Offset account Ability to have up to 5 loans under one mortgage Three (3) free valuation per Ability to combine with a 5.80% 2 years fixed rate ( split loan) Trust and company are fine
	6.22%	Interest only available Redraw and extra repayment available Ability to have up to 5 loans under one mortgage Construction loan NOT allowed 95% LVR Note; NO offset account with this rate. $350 annual fee
	6.30%	$300 Annual fee Offset account Rate based on 80% LVR Interest only available Redraw and extra repayment available Construction Loan allowed Discount on Suncorp Insurance products PROMOTIONAL OFFER A DISCOUNT OF 1.03% (for the life of the loan)
	6.35%	Principle and interest loan only ( great for PPOR and some investors) Redraw and extra repayment available Ability to have up to 5 loans under one mortgage Construction loan allowed 95% LVR Discounted LMI cost NO FEE home loans
	6.39%	Limited time only - Ends 9th of January Full featured loan LVR up to 95% Discounted LMI available Redraw and extra repayment available 100% Offset account Ability to have up to 5 loans under one mortgage Based on loan amount of $500,000 Annual fee applies

Special Products of the Month

Product that suits client's in unique and difficult situations

Lenders	Interest Rate	Specification
	6.65% 35 Squ meters	Loans for unit as small as 35 Squ meters Max LVR 70-80% Studio are OK Major well known banks Exclusive deal with Shape Home Loans to accept deal for property of this size and nature Note rate is different for Student accommodation and service apartments Annual fee applies**
	7.24 % SMSF	Self managed super fund loan Fee applies for complex set up Bare trust must be in place Full control given to Trustee Quick settlement OK No postcode restriction Security type restriction applies
	7.15 % ( Low-Doc)	Low doc GST required Accountants letter + 3 month BAS Up to 80% LVR Refinance at 70% LVR Cash out allowed up to 60%

There are 100's of products to choose from, we are independent and accredited with 42 of the most respectable banks and lenders in Australia, and we offer:

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CONTACT US FOR MORE INFORMATION

It's NOT always about the interest rate, Service, monthly fee, annual fee, exit fee, easy access and security all plays an important role in deciding for the best home loans.

All lenders will have condition on who they want on their books. So speak to us first and let us do the homework for you!!! FREE of charge.

** The Comparison Rate (CR) combines the lender's interest rate, fees and charges into a single rate to show the true nature of a home loan. The CR rate is not included into this site, however the full CR are available from lenders and from Shape Home Loan- simply email us at info@shapehomeloans.com.au, and we will be more then happy to assist. Cost such as redraw fees or early repayment fee are not included into the CR and this may influence the cost of the loan.