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Variable interest rates

Below is a summary of our variable interest rates for new business. Please contact Homeloans for more information about our rates or our home loan options.

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Standard (full doc) home loans : Variable rates

	≤ 75% LVR*		> 75% LVR
Home loan	Interest rate	Comparison rate	Interest rate	Comparison rate
Homeloans Ultra Plus	6.12%pa	6.47%pa	6.22%pa	6.57%pa
Homeloans Ultra	6.27%pa	6.33%pa	6.37%pa	6.45%pa
Homeloans ProSmart	6.44%pa	6.50%pa	6.44%pa	6.50%pa
Homeloans MoniPower	6.71%pa	6.78%pa	6.71%pa	6.78%pa
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Standard (full doc) Line of Credit : Variable rates

	≤ 75% LVR*		> 75% LVR
Home loan	Interest rate	Comparison rate	Interest rate	Comparison rate
Homeloans Ultra Plus Line of Credit	6.37%pa	6.72%pa	6.47%pa	6.82%pa
Homeloans Ultra Line of Credit	6.47%pa	6.53%pa	6.57%pa	6.63%pa
Homeloans MoniPower Line of Credit	6.96%pa	7.17%pa	6.96%pa	7.17%pa
Homeloans ProSmart Line of Credit	6.49%pa	6.57%pa	6.49%pa	6.57%pa
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Lo Doc home loans : Variable rates

	≤ 60% LVR*		> 60% LVR
Home loan	Interest rate	Comparison rate	Interest rate	Comparison rate
Homeloans Ultra Plus Lo Doc	6.72%pa	7.08%pa	6.92%pa	7.28%pa
Homeloans Ultra Lo Doc	6.82%pa	6.88%pa	7.02%pa	7.08%pa
Homeloans MoniPower Lo Doc	8.09%pa	8.17%pa	8.09%pa	8.17%pa
Homeloans ProSmart Lo Doc	7.69%pa	7.77%pa	7.69%pa	7.77%pa
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Lo Doc Line of Credit : Variable rates

	≤ 60% LVR*		> 60% LVR
Home loan	Interest rate	Comparison rate	Interest rate	Comparison rate
Homeloans Ultra Plus Lo Doc LOC	6.87%pa	7.23%pa	7.07%pa	7.43%pa
Homeloans Ultra Lo Doc LOC	6.97%pa	7.03%pa	7.17%pa	7.24%pa
Homeloans MoniPower Lo Doc LOC	8.34%pa	8.54%pa	8.34%pa	8.54%pa
Homeloans ProSmart Lo Doc LOC	7.79%pa	7.87%pa	7.79%pa	7.87%pa
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ProSmart Self Managed Super Fund : Variable rates

Home loan	Interest rate	Comparison rate
Homeloans ProSmart Self Managed Super Fund	7.24%pa	7.38%pa

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*Loan to valuation Ratio (LVR): This is the measure of the amount of the loan compared to the value of the property. For example, if you have borrowed $160,000 and your property is valued at $200,000, the LVR would be 80%. Rates shown for full-doc loans of ≤75% LVR apply to loan values of $200,000 and above. For loans of under $200,000 the >75% LVR rate applies.

Last updated on 11/05//2012

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.