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Standard (full doc) Line of Credit

Whether you are a first home buyer or a seasoned investor Homeloans has a loan that is perfect for you. All of our loan options offer great rates and great features for every type of borrower.

Please contact Homeloans for more information.

	Homeloans Ultra Plus		Homeloans Ultra	Homeloans MoniPower			Homeloans ProSmart
Variable rates from		6.37%pa	6.74%pa	6.96%pa			6.49%pa
comparison rates		6.72%pa	6.82%pa	7.17%pa			6.57%pa
Other features
Redraw
Offset account
Additional repayments
Internet and phone banking
Loan portability
Annual fees	$330		Nill	$150			$150
Lender's mortgage insurance 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		90%	90%	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		25 years	25 years	25 years			25 years
	more info		more info	more info			more info

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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.

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

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.