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

Lenders	Interest Rate	Features
	6.17%	SHAPE HOME LOANS EXCLUSIVE DEAL 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)
	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%	$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 PROMOTIONAL OFFER A DISCOUNT OF 1.03% (for the life of the loan)
	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
	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
	6.31%	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

Lenders	Interest Rate	Specification
	8.40% 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
	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%

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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.