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SmartFit
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SmartFix
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SmartSaver
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SmartDoc
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SmartDoc Fix
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SmartDoc Plus
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Home loan with a variable rate and 100% offset |
Home loan with a rate fixed for 1 to 5 years and 100% offset |
No frills home loan with a low rate and no monthly fees |
Lo Doc home loan with a variable rate and 100% offset |
Lo Doc home loan with a rate fixed for 1 to 5 years and 100% offset |
Lo Doc home loan with a variable rate and 100% offset.
Does not require LMI.
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| Show all |
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| Interest rate |
6.76%
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6.18%
6.17%
6.34%
6.69%
6.89%
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6.66%
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7.84%
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7.18%
7.17%
7.34%
7.69%
7.89%
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8.09%
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| Comparison rate |
6.94%
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6.88%
6.82%
6.81%
6.91%
6.99%
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6.73%
|
8.02%
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7.94%
7.87%
7.86%
8.96%
8.04%
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8.27%
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| Rate type |
Variable rate |
Fixed rate |
Variable rate |
Variable rate |
Fixed rate |
Variable rate |
| Application fee |
$795 |
$795 |
$795 |
$795 |
$795 |
$795 |
| Monthly administration fee |
$10 |
$10 |
Nil |
$10 |
$10 |
$10 |
| Lenders Mortgage Insurance (LMI) |
if loan to property value exceeds 80% |
if loan to property value exceeds 80% |
if loan to property value exceeds 80%
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if loan to property value exceeds 60% |
if loan to property value exceeds 60% |
if loan to property value exceeds 60%
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| Offset facility |
full offset |
full offset
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not available
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full offset
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full offset
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full offset
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| Redraw |
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| Online and Phone Banking |
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| Repayment options |
Principal & Interest
Interest Only
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Principal & Interest
Interest Only
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Principal & Interest
Interest Only
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Principal & Interest
Interest Only
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Principal & Interest
Interest Only
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Principal & Interest
Interest Only
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| Extra repayments allowed |
Unlimited
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up to $20,000 p.a
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Unlimited
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Unlimited
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up to $20,000 p.a
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Unlimited
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| Loan term |
5 to 30 years
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5 to 30 years
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5 to 30 years
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5 to 30 years
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5 to 30 years
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5 to 30 years
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| Maximum loan to property value (LVR) |
95%
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95%
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95%
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80%
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80%
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70%
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| Bridging finance available |
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Not available
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| Available for cash out / equity release |
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maximum $20,000
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subject to LMI requirements
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subject to LMI requirements
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Not available
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