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: 5.69% (5.89%*) • Home Loan Fixed: 5.49% (5.98%*) • Fixed: 5.49% (5.98%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.79% (6.41%*) • Investment PI: 5.69% (6.55%*)

5 Year Fixed Home Loan Owner Occupier

Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.

Category: Home Loans Last Updated August 1, 2024 Effective September 2, 2024

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information

Interest Rate
5.59% PA

Comparison Rate
6.16%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 >70% to <=80% discount

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.74%, Comparison Rate 6.22%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR >60% to <=70% discount

Minimum: 60.01 PERCENT Maximum: 70 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.20%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR <=60% discount

Minimum: 0.01 PERCENT Maximum: 60 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 6.16%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR >80% to <=90% discount

Minimum: 80.01 PERCENT Maximum: 90 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

Digital Banking

Npp Enabled

Product Eligibility

Min Age - 18.

Residency Status - Must Be An Australian Resident.

Natural Person

Bank Fees and Charges

Discharge Fee (Exit), Amount: 165.00. Additional Information: Payable for standard partial or full discharges.

Early Termination Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you repay your loan or change to a variable interest rate during the fixed rate period. Applicable to fixed term loans only. Interest differential as defined in the loan contract + $200 administration fee is payable.

Early Payment Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you make extra repayments that exceed $10,000 per annum during any fixed period. Applicable to fixed term loans only. Interest differential as defined in the loan contract is payable.

Mortgage Top Up Fee (Event), Amount: 0.00. Additional Information: Payable for further advance. Valuation fees are payable at cost.

Interest Rate Lock Fee (Event), Amount: 500.00. Additional Information: Payable at the time of application if you elect to lock-in your interest rate for a period of 90 days from the date you apply for your loan.

Substitution Of Mortgage Security (single Property) Fee - For New Loans (Event), Amount: 350.00. Additional Information: Payable for substitution of a mortgage security

Default Enforcement Expenses (Variable), Amount: Not Listed.. Additional Information: May apply if enforcement services are required as part of default administration

Substitution Of Mortgage Security (single Property) Fee - For Variations (Event), Amount: 200.00. Additional Information: Payable for substitution of a mortgage security

Company / Trust - Borrower / Guarantor Party Fee Company Search And Review Fee (Event), Amount: 150.00. Additional Information: Payable for each company or trust borrower / guarantor party on the loan.

Additional Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost

Establishment Fee (Upfront), Amount: 0.00. Additional Information: Establishment Fee includes valuation fee up to $300, title search, document preparation and settlement fees - document generation, distribution of documents, verification of returned documents, verification of search requirements, settlement booking, settlement attendance (PEXA or paper) and lodgement of title documents

Limitations & Restrictions (Constraints)

Min Limit of 20000.00

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Timezone: 1 · [ CHANGE ]

Want a No Obligation Discussion?

Like this mortgage product?

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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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