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Standard (full doc) home loans

Whether you are a first home buyer or a seasoned investor Homeloans has a loan that is perfect for you. Our range of home loans offers both great rates and great features.

Please contact Homeloans for more information.

	Homeloans Ultra Plus		Homeloans Ultra	Homeloans MoniPower			Homeloans ProSmart	Homeloans Accelerate
Variable rates from		6.29%pa	6.44%pa	6.59%pa			6.54%pa	8.69%pa
comparison rate		6.64%pa	6.50%pa	6.66%pa			6.60%pa	8.92%pa
Fixed rates from		6.24%pa (3 years)	6.39%pa (3 years)	6.46%pa (1 year)			6.19%pa (2 years)	na
comparison rate		6.68%pa	6.57%	6.63%pa			6.52%pa	na
Features
Redraw~
Offset account
Additional repayments~
Internet and phone banking
Loan portability
Annual fees	$330		Nil	Nil			Nil	$15 per month
LMI waiver fee
Loan purpose
Purchase
Refinance
Debt consolidation
Construction
Vacant land
Equity release
Business purposes^
Bridging finance
Borrower type
Self employed
PAYG borrowers
Individuals
Companies/trusts
Non-residents		*	*	*			*
Maximum LVR		95%*	95%*	95%*			95%*	90%
Interest rate options available
Variable rate
Fixed rate
Split variable/fixed
Repayment types
Principal & interest
Interest only
Repayment frequency available
Monthly
Fortnightly
Weekly
Repayment options
Salary credit
BPAY
Bank@Post
Direct credit
Direct debit
Cash or cheque deposits
Loan term		5 - 30 years	5 - 30 years	5 - 30 years			10 - 30 years	10 - 40 years
	more info		more info	more info			more info	more info
	Request Key Fact Sheet		Request Key Fact Sheet	Request Key Fact Sheet			Request Key Fact Sheet	Request Key Fact Sheet

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*Additional lending criteria and rate loadings may apply
^Business purposes excludes working capital and the repayment of personal or business tax liabilities.
~Redraw and additional repayments are not available during fixed interest rate period, except on Homeloans ProSmart, where additional repayments are available to a maximum of $10,000 during fixed interest rate period, and Homeloans MoniPower, where additional repayments are available to a maximum of $20,000 per annum during fixed interest rate period.

All applications are subject to normal lending criteria, fees and charges may apply. Last updated on 08/12/2011. These rates are indicative only and may vary before your loan is settled. *The comparison rate is calculated on the basis of a loan of $150,000 over a term of twenty-five years.

These rates are indicative only and may vary before your loan is settled. *The comparison rate is calculated on the basis of a loan of $150,000 over a term of twenty-five years.

Comparison Rate Schedule

Warning: This comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.