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Westpac 3.89% Investor Special Fixed Rate Loan (Comparison Rate 5.16%) Australia Wide

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Westpac 3.89% Investor Special Fixed Rate Loan (Comparison Rate 5.16%) Australia Wide
Go to Deal
AssociatedLSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:09 westpac.com.au (176 clicks)
Last edited 15/11/2016 - 19:26 by 1 other user

For loan balances of $150,000 or above.

3.89% FIXED RATE FOR 2 YEARS WITH INTEREST ONLY REPAYMENTS

3.99% FIXED RATE FOR 5 YEARS WITH INTEREST ONLY REPAYMENTS

FIRST YEAR ANNUAL FEE REFUNDED ($395)

WESTPAC BROKER

No application
No establishment fee
No valuation fee
No legal fees
Discharge Fee: $350

Loan Features:

Split loan available
Loan Portability
Extra repayments up to a total of $30,000 on new loans. (Repayment Holidays available)
Free redraw
P&I or IO Options acceptable
Rate lock available (0.10% fee lasts 90 days)
Construction loan available ($300 fee covers all)
Low doc Fixed options are available with different rates.

ACCEPTABLE LOAN PURPOSES:

Purchase
Refinance
Construction
Equity Release

The loan application is subject to the lenders policy, terms and conditions apply.

Credit Representative Number 491934 & 456296 authorised under ACL 384704.

Contact: Solution Home Loans, [email protected] or 0466 889 369.

Financial Home Loan Loan Refinance

Related Stores

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closed Comments

  • NotAMoodle on 11/11/2016 - 20:12

    What's the LVR needed?

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:19
      +2

      Max LVR 90%

      • NotAMoodle on 11/11/2016 - 20:19

        Thanks. Great deal

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:20

          Send me a private message with your email if you would like to find out if you are eligible :)

        • NotAMoodle on 11/11/2016 - 20:22

          @InvestmentLoans: So it's publicly noted, what's the broker company you work for?

          Cheers mate

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:26

          Finsure

        • furythree on 11/11/2016 - 23:18
          +1

          stg lender called me and said they can do 2 yrs at 3.65%, 3yrs 3.75% this morning

          just fyi

        • Reeknee on 12/11/2016 - 18:17

          @furythree: can you provide the broker details. Thanks!

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 12/11/2016 - 19:57

          not sure that that would be for Investment.

        • furythree on 13/11/2016 - 19:15

          @Reeknee: call the top ryde branch? i didnt go ahead as i cbb switching right now

  • [Deactivated] on 11/11/2016 - 20:14

    Holy crap that's low

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:19

      Send me a private message with your email address if you are interested to find out more :)

      • [Deactivated] on 11/11/2016 - 20:24

        I locked 5 years at 4.3% and am not regretting it!

        Considering an investment property now though at these rates.

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:28

          There are quite a few good interest rates on offer at the moment, gives you a good term for guaranteed repayments :)

  • pyramid on 11/11/2016 - 20:28

    Nothing for first home buyers?

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:29

      Hi Pyramid,

      This is strictly for investors, there are good offers out there for first home buyers also!

      • pyramid on 11/11/2016 - 20:35

        Cna you post "Good offer" pls

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:43
          +1

          3.85% for 5 years for O/O

        • pyramid on 11/11/2016 - 20:56

          @InvestmentLoans: is3.85% comparison rate? What is LVR? can you direct me to link?

        • knobbs on 13/11/2016 - 02:41

          @InvestmentLoans:

          Forgive me for being new to the homeloan game but what is o/o?

        • NotAMoodle on 13/11/2016 - 04:05

          @knobbs: Owner Occupied I'd say

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 13/11/2016 - 13:06

          Correct!

  • atlas on 11/11/2016 - 20:28

    Offset account?

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:33

      Hi Atlas,

      There is an option to split the loan with a variable portion if you would like an offset account. Generally fixed rates do not come with an offset account.

  • Priceless Class on 11/11/2016 - 20:34
    +1

    Am I missing something? Why is it such a high comparison rate?

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:41

      When dealing with a broker, you would reassess/renegotiate the most competitive option after the fixed term.

      A Comparison Rate when dealing with fixed rates assumes that after your fixed term you will stay with the lender for the next 20 years in this case on their high variable rate.

      • Priceless Class on 11/11/2016 - 20:50

        So is it 3.89% fixed (comparison 3.89%) during the fixed period, or are there monthly/yearly fees etc?

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 21:20

          The interest rate is 3.89% 2 years fixed with a $395 annual fee. with the first years annual fee being refunded to you :)

  • Moderatorneil on 11/11/2016 - 20:37

    OP, Please provide a contact method such as email or phone number.

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:40

      Where do i post that?

      • Moderatorneil on 11/11/2016 - 20:42

        Edit the deal and put it in the description.

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:44

          It will not allow me to due to an error. I will add in a post.

        • Moderatorneil on 11/11/2016 - 20:45

          @InvestmentLoans:

          What error? Just hit Edit button at the top of the page and add it in.

          EDIT: I've added it in for you.

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:47

          "new account cannot post deals in the first 24 hours"

  • [Deactivated] on 11/11/2016 - 20:37

    Bankwest (owned by Commonwealth) has a 3.79%/5.1% version.

  • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:38
    +1

    Hi Atlas,

    A Comparison Rate when dealing with fixed rates assumes that after your fixed term you will stay with the lender for the next 20 years in this case on their high variable rate.

  • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:45

    Please contact me on [email protected] or 0466 889 369 if you would like further information.

  • Robin2012 on 11/11/2016 - 20:46

    new loan or refinance in Westpac

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:48

      Can do both with a max loan of 90% including mortgage insurance :)

  • Noicedie on 11/11/2016 - 20:50

    currently with wp, can i change to this one?

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 20:53

      Yes that should be possible, depends on your overall profile, and to see whether this would save you money.

  • yaditya on 11/11/2016 - 21:17

    How much max LVR for O/O without LMI?

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 21:22

      80% but O/O has different interest rates (3.85% fixed 5 years comparison rate 4.45%)

  • Sabric on 11/11/2016 - 21:19

    I am not sure Westpac customer service…
    I have a very big investment loan over two years, my business support manager "Aaron" never bother to contact me.
    I called Southport business center for a question, left a message the manager on leave, didn't return my call more than two months ago.
    Terrible customer relation. Only hope to to pay out
    Watch ongoing fees

    Never again from me

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 21:23

      There is a big difference in service when using a mortgage broker when compared to a retail level at the bank :)

      • Sabric on 11/11/2016 - 21:57
        +1

        If you think you can do better I will call you 2 weeks time. I am about to going away tomorrow morning.
        I like to know if there is anything you can do for my loan.

        • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 22:03

          Happy to discuss further when you are ready.

    • furythree on 11/11/2016 - 23:16

      how big is big

  • ninjawarrior on 11/11/2016 - 21:36

    Will Westpac accept foreign currency income, and if so which ones and at what max LVR?

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 11/11/2016 - 22:00

      Foreign income not accepted

      • [Deactivated] on 11/11/2016 - 22:08

        Dang! If I can't include my amazon referral income stream then no chance of me obtaining a loan.

  • Snoop on 12/11/2016 - 00:25

    Oh if only LRBAs could be this cheap!!!

  • RubenM on 12/11/2016 - 08:34

    Wow, very good rate! I just fixed eight loans at 4.15% for three years with St George. But post APRA, I wouldn't have been able to qualify for loans anyway, so I can't switch lenders.

  • lostn on 12/11/2016 - 10:44

    This is a very good deal if you're not intending to sell any time soon.

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 12/11/2016 - 17:30

      Indeed!

  • love2buy on 08/12/2016 - 10:59

    I don't get it. I'm with Wespac and my variable rate for investment is 4.45% which is considerably higher than the fixed rate here by about 0.6%. Is there a reason not to fix or am I comparing apples to oranges. Thanks.

    • AssociatedSolutionHomeLoans @ solutionhomeloans.com.au on 08/12/2016 - 12:12

      That is quite high love2buy, if you would like send me a private message with your contact details and we will be able to advise the most competitive options available to you :)

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