Features
Low variable and fixed rates!
$0 application and valuation fees#
Extra repayments and unlimited free redraw
Flexible repayment options
Up to 95% LVR
Variable, Fixed or Split rate options available
Principal & Interest or Interest Only
Interest Rates (Comprehensive rates)
Homeloans Ultra Plus Variable Rates
Loan sizes above $200,000 | LVR up to 70% | LVR 70.01% - 80% | LVR 80.01% - 90% | LVR over 90% |
---|---|---|---|---|
Owner Occupier, Principal & Interest (Comparison rate) |
3.67%pa (3.83%pa) |
3.67%pa (3.83%pa) |
4.15%pa (4.30%pa) |
4.33%pa (4.48%pa) |
Owner Occupier, Interest Only (Comparison rate) |
4.42%pa (4.57%pa) |
4.42%pa (4.57%pa) |
N/A |
N/A |
Investment, Principal & Interest (Comparison rate) |
3.97%pa (4.13%pa) |
3.97%pa (4.13%pa) |
4.57%pa (4.72%pa) |
N/A |
Investment, Interest Only (Comparison rate) |
4.54%pa (4.69%pa) |
4.54%pa (4.69%pa) |
N/A |
N/A |
Loan sizes below $200,000 | LVR up to 70% | LVR 70.01% - 80% | LVR 80.01% - 90% | LVR over 90% |
---|---|---|---|---|
Owner Occupier, Principal & Interest (Comparison rate) |
4.07%pa (4.23%pa) |
4.07%pa (4.23%pa) |
4.07%pa (4.23%pa) |
4.27%pa (4.42%pa) |
Owner Occupier, Interest Only (Comparison rate) |
4.62%pa (4.77%pa) |
4.62%pa (4.77%pa) |
N/A |
N/A |
Investment, Principal & Interest (Comparison rate) |
4.49%pa (4.64%pa) |
4.49%pa (4.64%pa) |
4.49%pa (4.64%pa) |
N/A |
Investment, Interest Only (Comparison rate) |
5.04%pa (5.19%pa) |
5.04%pa (5.19%pa) |
N/A |
N/A |
Homeloans Ultra Plus Fixed Rates
Fixed Rates - Owner Occupier Loans | LVR up to 80% | LVR 80.01% - 90% | LVR over 90% | |||
---|---|---|---|---|---|---|
Repayment Type | P&I | I/O | P&I | I/O | P&I | I/O |
1 year fixed rate (Comparison rate) |
4.04%pa (4.22%pa) |
4.59%pa (4.77%pa) |
4.14%pa (4.23%pa) |
N/A |
4.29%pa (4.43%pa) |
N/A |
2 year fixed rate (Comparison rate) |
4.10%pa (4.23%pa) |
4.65%pa (4.78%pa) |
4.20%pa (4.25%pa) |
N/A |
4.35%pa (4.44%pa) |
N/A |
3 year fixed rate (Comparison rate) |
4.04%pa (4.22%pa) |
4.59%pa (4.76%pa) |
4.14%pa (4.24%pa) |
N/A |
4.29%pa (4.43%pa) |
N/A |
4 year fixed rate (Comparison rate) |
4.64%pa (4.42%pa) |
5.19%pa (4.97%pa) |
4.74%pa (4.45%pa) |
N/A |
4.89%pa (4.64%pa) |
N/A |
5 year fixed rate (Comparison rate) |
4.64%pa (4.46%pa) |
5.19%pa (5.01%pa) |
4.74%pa (4.50%pa) |
N/A |
4.89%pa (4.68%pa) |
N/A |
Fixed Rates - Investor Loans | LVR up to 80% | LVR 80.01% - 90% | LVR over 90% | |||
---|---|---|---|---|---|---|
Repayment Type | P&I | I/O | P&I | I/O | P&I | I/O |
1 year fixed rate (Comparison rate) |
4.46%pa (4.64%pa) |
5.01%pa (5.19%pa) |
4.56%pa (4.65%pa) |
N/A |
N/A |
N/A |
2 year fixed rate (Comparison rate) |
4.52%pa (4.65%pa) |
5.07%pa (5.19%pa) |
4.62%pa (4.67%pa) |
N/A |
N/A |
N/A |
3 year fixed rate (Comparison rate) |
4.46%pa (4.63%pa) |
5.01%pa (5.18%pa) |
4.56%pa (4.66%pa) |
N/A |
N/A |
N/A |
4 year fixed rate (Comparison rate) |
5.06%pa (4.84%pa) |
5.61%pa (5.39%pa) |
5.16%pa (4.87%pa) |
N/A |
N/A |
N/A |
5 year fixed rate (Comparison rate) |
5.06%pa (4.88%pa) |
5.61%pa (5.43%pa) |
5.16%pa (4.92%pa) |
N/A |
N/A |
N/A |
Homeloans Ultra Full Rate | 5.07%pa |
---|---|
Comparison Rate | 5.10%pa |
Rates shown do not apply to all loan sizes, purposes, repayment types, LVRs or loan scenarios. Speak to your Homeloans consultant for more information.
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#Applies to standard loan submissions for new loans only. One standard valuation per application valued at up to $300 is provided free of charge on Ultra Plus, Optima, MoniPower. Application fee of $199 waived on Ultra Plus, Optima, MoniPower and FlexiChoice Prime loans. Settlement fees of $363 waived on FlexiChoice Prime loans. Any non-standard valuations and additional valuations are at the cost of the borrower. Other fees and charges apply. Interest rates on this site were updated on 6 April 2018. Rates shown apply to new business only and may vary before your loan is settled. Rates shown do not apply to all loan sizes, purposes, repayment types, scenarios or LVRs. Click on the loan name for more information. The comparison rate is calculated on the basis of a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms & conditions, fees, charges and credit criteria apply.