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Broker Exclusive - Owner-Occupier Variable Rate Home Loan - 3.44% (Comparison Rate 3.84%) with 100% Offset

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******For loan balances of $300k or above*******

Lender: Smart Finance, funded by Resimac

A loan amount of $500k over 30 years will result in a Comparison Rate of 3.53%.

A loan amount of $750k over 30 years will result in a Comparison Rate of 3.50%.

A loan amount of $1mil over 30 years will result in a Comparison Rate of 3.49%.

A loan amount of $1.5mil over 30 years will result in a Comparison Rate of 3.47%.

A loan amount of $2mil over 30 years will result in a Comparison Rate of 3.46%.

To take advantage of this special offer, please send me a private message with your email address and I will email you with the requirements.

Acceptable loan purposes:
Purchase
Refinance
Debt Consolidation
Cash out

Specific fees:
$299 annual fee
Application fee waived
Valuation fee at cost
Legal fees waived

Features:
100% Offset account
Inward BPAY
BPAY
Outward Third Party Direct Debits
Internet Banking
Redraw
Dynamic Repayments
Inward Direct Debits / Credits
Internal Portion Transfer (if a split loan)
Split Loan Facility

Criteria:
PAYG or Self Employed
LVR less than 80%
Most securities acceptable. For non-metro locations, please let me know the postcode and I will advise if acceptable
Probation not allowed
Income must come from Australian sources
Non-permanent residents excluded
Studio apartments excluded

Credit Representative Number 453 502 is an authorised representative under Australian Credit Licence Number 384 704

† The loan application is subject to the lenders standard credit assessment terms & conditions.
† Terms and conditions, fees and charges, normal lending criteria apply. Smart Finance Prime Horizon Standard Owner Occupied Home Loan Variable Interest rate is 3.44% (comparison rate 3.84%), correct as at 26th October 2016. Offer ends 31st January 2017, or may be withdrawn at any time. Other fees and charges may apply. Maximum LVR < 80%. Comparison rates above are based on a home loan of $150,000 for 25 years. WARNING: This Comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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closed Comments

  • +2

    Such a beautiful vista, nothing but rooftops, just what this country needs a lot more of.

  • +1

    Move along. Nothing special. Exclusively crap deal. Doing a quick search, loans.com.au with offset only 3.51% comparison rate.

    https://www.loans.com.au/landing-pages/new/offset?utm_%20sou…

    • Great rate, home buyers only. Not for refinances.

  • Does the comparison rate include the yearly $299 fee?

    • correct. All applicable setup/ongoing/discharge fees are incorperated in the comparison rate.

    • https://www.moneysmart.gov.au/borrowing-and-credit/home-loan…

      http://download.asic.gov.au/media/1246974/rg234.pdf

      Should include all relevant costs in calculating the comparison rate.

      Personal view is that the comparison rate on a variable loan is meaningless as it's on the basis that the rate DOES NOT change for the life of the loan.

      • All relevant costs are included in the comparison rates. Costs such as redraw fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

  • +1

    Thanks OP for posting the deal, thumbs up from me.

  • +2

    Should these posts belong to marketing, not deals?

  • Advertising spam. Links to ops Facebook page?

  • +2

    Don't criticise the poster for comparison rates being truly worthless. Use the rate and the fees and make your own decision. The rate is good. Haven't looked at the fees.

    • Fees are:
      Payable at Settlement:
      Annual fee - $299
      Valuation fee - At cost ($275~)

      Payable at end of loan:
      Discharge fee - $308

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