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| Details |
Basic Variable |
Professional Pack |
Line Of Credit |
Low Doc Loan |
| Benifits |
Very simple and easy, no application fee, low rate. |
big discount rate |
3 years fixed |
No tax return, No pay slips, No pay summary |
| Bank Name |
FIrst Home Loans |
FIrst Home Loans |
FIrst Home Loans |
FIrst Home Loans |
| Interest Rate |
7.24% |
6.99% |
7.19% |
7.24% |
| Revert to (Second Year) |
7.24% |
7.57% |
7.19% |
7.24% |
| Comparison Rate |
7.52% |
7.57% |
7.57% |
7.57% |
| Application Fee |
$0 |
$0 |
$0 |
$0 |
| Document Preparation Fee |
$0 |
$0 |
$0 |
$0 |
| Valuation Fee |
$220 |
$0 |
$220 |
$0 |
| Legal Fee |
Normally $330, Now $0 in First Home Loans |
$0 |
Normally $330, Now $0 at First Home Loans |
$0 |
| Settlement Fee |
$0 |
$0 |
$0 |
$0 |
| Monthly Fee |
$10 |
$0 |
$5 |
$0 |
| Annual Fee |
$0 |
$395 |
$0 |
$300 |
| Redraw Fee |
$20 |
$0 |
$0 |
$0 |
| Minimum Redraw Amount |
$1000 |
$1 |
$0 |
Redraw Not Available |
| Split Facility |
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| Split Fee |
$200 |
$200 |
$200 |
$0 |
| Offset Account |
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| ATM Access |
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| Eftpos |
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| Cheque Book |
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| Additional Repayment |
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| Direct Debit |
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| Telephone Banking |
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| Internet Banking |
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| Salary Crediting |
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| Interest Only Available |
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| Owner Occupier |
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| Construction Loan |
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| Investment Loan |
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| Term of Loan |
30 yeas |
30 years |
30 years |
30 years |
| Minimum Loan Size |
$50000 |
$400k |
$50000 |
$150K, under $150k have other rate |
| LVR |
100% |
100% |
100% |
80% |
| Lender Mortgage Insurance (LMI) |
Above 80% |
above 80% |
above 80% |
above 60% |
| Repayment Frequency |
weekly, fortnightly, monthly |
weekly, fortnightly, monthly |
weekly, fortnightly, monthly |
weekly, fortnightly, monthly |
| Early Termination Fee |
Year 1 & 1: $1500 or 0.25%, Year 3: $1200 or 0.2%, Year 4: $900 or 0.15% if approved loan amount, which ever is greater |
$700 within 4 years |
$950 within 4 years |
Applies to fixed rate |
| Discharge Fee |
$0 |
$250 |
$0 |
$150 |
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This Comparison Rate is for a loan of $300,000 over 25 years.
The rates will fluctuate everyday. These rates are indicative only..
