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January 2012 Interest Rates

Posted Tuesday, 03 January 2012 at 17:51 by William Mansfield
Tagged: interest rates | Promotional rate
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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 85% or under | Conditions applies **

Discount margins are for the LIFE OF THE LOAN



As of 3rd January 2012



Interest Rate                                                     


Connective Home Loans




  • Up to 90% LVR
  • Redraw and extra repayment available
  • Great for construction loans
  • Trust and company is fine
  • $350 Annual fee
  • Note a $1,500 Set up cost applies ( Set up cost can be borrowed and added to the loan)
  • ENDS March 2012 ( unless RBA rate changes)
Collin Home Loans    



  • 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
 Suncorp 1.03% Discount 6.30%
  • $349 Annual fee
  • Offset account
  • Up to 95% LVR + LMI
  • Interest only available
  • Redraw and extra repayment available
  • Construction Loan allowed
  • Discount on Suncorp Insurance products
  • A DISCOUNT OF 1.03%  (for the life of the loan)
  ANZ 1% Discount   6.30%


  • 1%  DISCOUNT  (for the life of the loan)
  • 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
AMP interest rate 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


CBA lowest rate                6.31%
  • Limited time only - Ends 9th of January
  • Full featured loan
  • Redraw and extra repayment available
  • 100% Offset account
  • Ability to have up to 5 loans under one mortgage 
  • Desktop valuation for Most equity release/ top up at 80% LVR or under.
  • Annual fee applies



Special Products of the Month

Product that suits client's in unique and difficult situations



Interest Rate                                                     


 No deposit Home loans 2012                                                          


No deposit- 100%

  • NO DEPOSIT HOME LOAN ( only 2 on the market as of 2012)
  • Available to Doctors only
  • Must be with the same employer for more then 2 years
  • NO LMI
  • Higher rate
  • Annual fee applies
 SMSF 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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 Loan Structure that will give you MAXIM benefits - Tax, Wealth Creation and savings

A choose of loan products that are suited to YOUR needs, NOT the banks.

Quick, efficient and easy to understand service 

A written plan and quote on how you can achieve your financial goals from property investing.

Connections, referral and discount on a range of professional service - Tax accountant, Financial planners, Insurance Brokers, Real Estate agent and Conveyancer

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We are more then YOUR personal mortgage manager. 







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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.


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