Bank Products – BeliefMedia Finance & Mortgage Broker Digital Marketing

RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%

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Example Interest Rates: Home Loan Variable: 5.20% (5.24%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.20% (5.24%*) • Investment IO: 5.78% (6.81%*) • Investment PI: 5.49% (6.32%*)

Investment RateSaver Home Loan

The Investment RateSaver Home Loan is our simple vanilla loan with a super-low rate, unlimited additional repayments as well as the ability to redraw.

Category: Home Loans Last Updated April 30, 2024 Effective May 3, 2024

General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information

Interest Rate
6.68% PA

Comparison Rate
6.72%PA*

Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will usually vary based on the LVR and other conditions..

LVR 81% <= 90% (inc LMI)

Minimum: 81 PERCENT Maximum: 90 PERCENT

Lending Rate Type: Variable
Interest Rate: 6.93%, Comparison Rate 6.97%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Product Features

Redraw

Product Eligibility

Min Age - 18.

Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

Natural Person

Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.

Bank Fees and Charges

Archive Retrieval Fee (Variable), Amount: 50.00. Additional Information: A $50 hourly fee applies plus any expenses incurred

Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested

Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone

Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract

Property Valuation Fee (Variable), Amount: 250.00. Additional Information: At cost. Minimum is $250.00

Copies Of Statements (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page

Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.

Consent Fee (Event), Amount: 250.00. Additional Information: For 2nd or subsequent mortgages or lease registration

Ratesaver Switch Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs-To switch to a RateSaver Loan

Documentation Re-issue Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs

Mortgage Discharge Fee (Event), Amount: 120.00. Additional Information: + 3rd party costs

Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.

Redraw Fee (per Redraw) (Transaction), Amount: 10.00.

Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page

Switch/variation Fee - Home & Investment Loans (Event), Amount: 100.00. Additional Information: + 3rd party costs-To switch or vary home loans (other than switching to RateSaver)

Ratesaver Processing Fee (Upfront), Amount: 450.00. Additional Information: When borrowing in excess of 80% LVR

Limitations & Restrictions (Constraints)

Min Limit of 150000.00

Max Limit of 5000000.00

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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]

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