Lowest Fixed Rates - January 2012

Posted Monday, 09 January 2012 at 21:04 by William Mansfield
Tagged: Promotional rate | Fixed rates
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Top Lenders (Fixed Rates)

 

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 **

 

 

As of 9th January 2012

1 year fixed rates

 

Lenders                                                 

Interest Rate                                                     

Features                                                                                                                        
 Citibank Fixed rates 2012

5.85%

 

 
    • $1,000 Refinance Promotion
    • LMI can be capped
    • New purchase + refinance
    • No LMI at 85%
    • Unlimited cash out at 85%
    • *** can be used for Business Purposes
    • P/I rate
    • I/O available with a rate loading of 0.20%
     Heritage Fixed Rates

5.90%    

 

 

  • Extra repayment allowed up to $20,000 ( no fee limit)
  • Redraw allowed - min $2,000
  • Construction loans allowed - loading rate of 0.2% during Construction
  • I/O available at same rate

 

 

 

2 year fixed rates

 

Lenders                                                 

Interest Rate                                                     

Features                                                                                                                        
 Chanllenger Fixed rates 5.57% fixed 2 years

 

5.57% ***

 

 
  • Shape Home Loans EXCLUSIVE DEAL
  • Redraw and extra repayment available
  • Up to 95% LVR allowed!! ( condition applies) 
  • LMI can be capped
  • New purchase + refinance
  • I/O at the same rate
  • LOC can be done with a loading of 0.2% extra only
  • Low-doc loan available at a loading of 0.3% extra only
  • Note: $1,250 Total set up cost ( till March 2012)- which can be added to the loan
  • Revert back to 6.34% Variable rate after fixed period
  • This product is suggested to be combine with a variable rate SPLIT loan as a 50:50% split
       
     ANZ fixed Rates

5.80%    

 

 

  • Interest only available
  • Ability to have up to 5 loans under one mortgage 
  • Part of the break free package
  • Three (3) free valuation per year
  • Low-Doc available at an extra 0.15%
 

 

3 year fixed rates

 

Lenders                                                 

Interest Rate                                                     

Features                                                                                                                        
 Chanllenger Fixed rates 5.57% fixed 2 years

 

5.59% ***

 

 
  • Shape Home Loans EXCLUSIVE DEAL
  • Redraw and extra repayment available
  • Up to 95% LVR allowed!! (condition applies)
  • LMI can be capped
  • New purchase + refinance
  • I/O at the same rate
  • LOC can be done with a loading of 0.2% extra only
  • Low-doc loan available at a loading of 0.3% extra only
  • Note: $1,250 Total set up cost ( till March 2012)- which can be added to the loan
  • Revert back to 6.34% Variable rate  
  • This product is suggested to be combine with a variable rate SPLIT loan as a 50:50% split
     Citibank Fixed rates 2012

6.75%   (P/I)
  • $1,000 Refinance Promotion
  • LMI can be capped
  • New purchase + refinance
  • No LMI at 85%
  • Unlimited cash out at 85%
  • Can be used for Business Purposes
  • P/I rate
  • I/O available with a rate loading of 0.20%

 

 

Special Fixed Rates Product

 

Lenders                                                 

Interest Rate                                                     

Features                                                                                                                        
 Fixed rates

6.29% - 3 years

 
  • Redraw and extra repayment available
  • Up to 90% LVR allowed!! for the same rate
  • Offset account 100%
     Fixed rates 15 years

5.50% -15 years   

 

 

  • P/I only
  • Annual fee of $345
  • No Portability ( swap of security) - Must be sure your happy with the 15 years rate
  • $1,200 Set up Cost
  • 80% LVR
  • Cat 1 Properties only (Strict Location and security type applies)

 

 

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:

 

 Free Service and professional advice

 Loan Structure that will give you MAXIMUM 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

Free property report and access to the latest news and information  

We are more then YOUR personal mortgage manager. 

 

 

 

 

 CONTACT US FOR MORE INFORMATION

 

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