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Fix rates DROP!

Posted Friday, 22 July 2011 at 12:34 by Michael Chan
Tagged: interest rates | Mortgage reduction | Hint/Tip
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Lowest Fix Rates July 2011


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

 Based on $400,000 | LVR 85% or under | Conditions applies **

                                                  Over the last 2 month fix rate has been dropping without RBA movement; given the current market this is expected! and further rate drop is expected.  

                                                      For loan over $600,000+ a further 0.1-0.3% can be reduced depending on loan amount and lender - Speak to us and let us do the Negotiation for you!



As of 20th July 2011

1 year Fix Rate

  • Perpetual investment Mortgages - 6.60%  
  • NAB - 6.64%
  • ING - 6.70%
  • CBA - 6.70%

2 years Fix Rate

  • The Rock Building Soc - 6.85% 
  • CBA- 6.94% 
  • ANZ - 6.99 %
  • AMP - 6.99%
  • ING 6.99%


3 years Fix Rate

  • ING 6.99%
  • CBA 6.99%
  • Citibank 6.99%
  • Police and Nurse Credit Union 6.99%

As mentioned HIGHER discounts can be given for higher loan amount.

Case Study


Our most recent deal ( June 2011)

Client: Married Couple

Loan Value: $845,000

LVR: 75%

Lender: ANZ Bank

Offer:  3 years ffx rate for 6.75% after fix period reverts to discounted varaiable of 6.85% ( 0.95% discount for the LIFE OF THE LOAN)




Contact us



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.


ABN 57 142 142 407 |   Australian Credit Licence 390573  |   MFAA Approved Broker 58602  |  COSL Member M0004711