Beyond Bank – Owner Occupier 2 Years Fixed Rate Home Loans Starting from 1.79% (3.73% Comparison Rate) + $395 Annual Fee

10

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AssociatedJohnKKMK @ Mortgage Better on 25/11/2021 - 10:29 beyondbank.com.au (111 clicks)
Last edited 28/11/2021 - 22:59 by 1 other user

Owner Occupier Fixed rate special <60% Loan to Value Ratio

• 1.79% for 2 years fixed for home loans (CPR 3.73%)
• 2.09% for 3 years fixed for home loans (CPR 3.66%)

Owner Occupier Fixed rate special 60-80% Loan to Value Ratio

• 2.09% for 2 years fixed for home loans (CPR 3.78%)
• 2.09% for 3 years fixed for home loans (CPR 3.66%)

Investment Fixed rate special <80% Loan to Value Ratio

• 2.39% for 2 years fixed for home loans (CPR 4.06%)
• 2.39% for 3 years fixed for home loans (CPR 3.94%)

*rates are subject to lender changes

Upfront fee
$254.07
Annual fee
$395

What is a comparison rate (CPR)?
The comparison rate is calculated for a secured loan for an amount of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, or 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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For further details about this deal or to check your borrowing capacity and other loan options, please call us or book a consultation through the link below. We are unable to provide consultation or advice via email or ozbargain messages due to compliance reasons. Thank you.
https://calendly.com/mortgagebetter

John Kim
Mortgage Adviser
B. Commerce, Dip. Financial Planning, Dip. Finance & Mortgage Broking
M : 0433 390 648
E : [email protected]

RCA Finance Solutions (Trading as Mortgage Better) is an authorised credit representative (CRN 508268) of QED Credit Services PTY LTD (Australian Credit License387856).

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• 

  firefrenchy on 25/11/2021 - 10:32

  That CPR seems terrible

  • 

    AssociatedJohnKKMK @ Mortgage Better on 25/11/2021 - 10:36

    +5

    hello, please have a read how CPR works. It uses assumptions that your loan is $150k and you will never refinance for 25 years and stay on the revert rate.

  • 

    Lunarboogie on 25/11/2021 - 19:49

    +1

    If I had one dollar for every time someone raised a flag about CPR I could retire.

    When someone pays for a cheap red eye flight, do they complain that Qantas has the same fully flexible version for 7 times the amount? CPR is like that. It's handy to keep track of but no one ever pays it.

• 

  drprox on 25/11/2021 - 10:36

  +4

  CPR is irrelevant as you simply pick it up and move it at the time.

  • 

    AssociatedJohnKKMK @ Mortgage Better on 25/11/2021 - 10:36

    +4

    thank you. unfortunately by law we have to advertise the CPR, however it confuses consumers alot.

    • 

      drprox on 25/11/2021 - 10:55

      Sure does, likely the same people concerned about their credit scores I imagine.

• 

  Flintz on 25/11/2021 - 10:59

  +2

  Any offset?

• 

  voteoften on 25/11/2021 - 11:56

  Redraw? I’d want to pay cash for the property and immediately redraw upon settlement. Thanks

• 

  baron33 on 25/11/2021 - 12:00

  +1

  what's the 254.07 Upfront fee?