St.George Basic Home Loan
 | Lender | 7.30% p.a (Variable) | Up to $5,000,000 | Redraw requests and repayment pause are subject to approval. | Straightforward, easy-to-use home loan | Initially contact details for a loan expert to call you. |  |
The St George Basic Home Loan offers a competitive interest rate, flexible repayment options and a convenient redraw facility. There are no monthly administration fees associated with this loan and if you would like to speak with an St George lending expert, you simply need to fill out the online enquiry form.
DETAIL INFORMATION >> | ServicesServices1. Ability to increase loan amount.
2. Redraw facility.
3. Repayment pause.
4. Family pledge.
5. Deposit and protect bond.
RestrictionsRestrictionsRedraw requests and repayment pause are subject to approval.
AdvantagesAdvantages1. Australia's Home Lender of the Year
2. No monthly administration fees
3. Competitive interest rate
4. Flexible repayment options
5. Convenient redraw facility
DisadvantagesDisadvantages1. Higher interest rate is higher for standard variable loans than basic loans because they usually offer additional features
2. Repayments rise when official interest rates rise |
HSBC Home Loan
 | Lender | 7.24% p.a. (variable) | From $250000 | Terms, conditions, fees, charges, and credit criteria apply. | To start saving on your refinancing | Initially personal details and loan details | |
HSBC has taken the hard work and hassle out of refinancing by doing your homeloanwork for you. Now you'll spend less time researching and could start saving sooner. From comparing lenders and interest rates, to calculating potential savings, everything you need to know is right here.
DETAIL INFORMATION >> | ServicesServicesFree valuation (on your first property
RestrictionsRestrictionsTerms, conditions, fees, charges, and credit criteria apply.
AdvantagesAdvantages1. Up to 0.95% p.a.* off your Standard Variable Rate with Home Smart Loans.
2. 100% balance offset.
3. No Application Fee.
4. No Establishment Fee.
5. No Loan Settlement Fee.
6. Reimbursed# Valuation Fee up to $185.
DisadvantagesDisadvantages1. Minimum monthly repayments are required. |
St George Portfolio Loan
| Line Of Credit | 7.65% p.a. | Up to $5,000,000 | You can open up to 10 sub-accounts to make managing your investments easier | To create wealth to secure your future | Initially contact details. | |
The St George Portfolio Loan makes wealth creation easier. This loan lets you combine your personal and investment finances into one convenient home loan. You can borrow up to 90% of your home’s value to make other investments and build assets, including shares, investment properties or a new car.
DETAIL INFORMATION >> | ServicesServices1. Choose a fixed or variable interest rate for each sub-account
2. There is no set repayment term. This is an ongoing line of credit
3. Choose to repay as often as you like, but at least monthly
4. Set up convenient automatic repayments from your nominated account
5. Additional payments can be made at any time on variable rate sub-accounts. Up to $10,000 per year for fixed rate loans.
RestrictionsRestrictionsSee website for details
AdvantagesAdvantages1. Deposit all your income directly into your Portfolio Loan, so every dollar you earn will work to save you interest and can help you repay your home loan sooner
2. Use up to 10 separate sub-accounts for your investment or lifestyle needs
3. The ownership structure for each sub-account may be different to help you make managing tax and finances easier2
4. Separate monthly statements for each sub-account to make managing your investments easier
5. Borrow up to 90%3 of the value of your property
6. Link a Visa Debit Card to your loan and shop securely wherever Visa is accepted
DisadvantagesDisadvantages1. Need to be disciplined to make principal payments regularly
2. Can be very expensive if not used carefully |
Fox Symes Home Loans
 | Broker | From 6.69% (Variable) | Up to $2,000,000 | You must be over the age of 18 years old to apply. | An adverse credit history. | Personal details and total unsecured debt. | |
Whether you have a bad credit history or not, Fox Symes Home Loans are here to help you get the loan you want. They have contacts with major banks and financial institutions so you are more likely to get matched with a suitable loan. Apply online in no time at all.
DETAIL INFORMATION >> | ServicesServicesFox Symes offer you a wide-reaching service that has connections with major banks and financial institutions.
RestrictionsRestrictionsAustralians only. Over 18.
AdvantagesAdvantages1. Lowest interest rates anywhere on the market.
2. You can get approved over the phone in 10 minutes.
3. Browse between over 100 home loans.
4. Bad credit customers accepted!
5. You can borrow from $20,000 to $3,000,000.
6. Borrow up to 90% of your property value
7. Get insurance included.
8. MFAA full member
DisadvantagesDisadvantages1. You have to apply to find out the APR and terms and conditions. |
Introductory Rate Home Loan
| Lender | 6.64% (Fixed rate) | Up to $5,000,000 | At the end of the introductory period, the interest rate converts to the Standard Variable Rate
| First Home Buyers | Initially contact details for a loan expert to call you | |
The St George Introductory Rate Home Loan makes life a bit easier for you if you are buying your first home. They give you a low introductory rate and at the end of the introductory period, the interest reverts back to the Standard Variable Rate. What you save in repayments can help offset the cost of stamp duty, solicitors and moving.
DETAIL INFORMATION >> | ServicesServices1. Choose to pay weekly, fortnightly or monthly.
2. Choose a variable interest rate or a fixed interest rate
RestrictionsRestrictionsAt the end of the introductory period, the interest rate converts to the Standard Variable Rate
AdvantagesAdvantages1. What you save in repayments can help offset the costs of stamp duty, solicitors and moving
2. Take advantage of the lower interest rate to pay off your loan and own your home sooner
DisadvantagesDisadvantages1. One-year introductory period. At the end of the introductory period, the interest rate converts to the Standard Variable Rate.
2. There is a monthly administration fee |
St George Advantage Package
| Lender | As per individual product specifications. | $0 - $250,000 + | Discounts up to 0.95% p.a. off variable rate home loans | First Home Buyer | Initially contact details. | |
The St George Advantage Package provides you with an all-in-one home loan package. The Advantage Package offers exceptional value with interest rate and fee savings, on your loan, credit card and transaction accounts.
DETAIL INFORMATION >> | ServicesServices1. Choose the home loan that best suits your needs and lifestyle
2. Choose your preferred credit card
3. Choose an everyday Transaction Account
RestrictionsRestrictionsSee website for details
AdvantagesAdvantages1. Up to 0.70% p.a. off our Standard Variable or Portfolio Loan Variable
2. Up to 0.15% p.a. off our Standard and Portfolio Loan Fixed rates
3. $0 loan establishment, increase and switch fees – save up to $700
4. $0 monthly loan administration fee – save up to $14 per month
5. $0 annual credit card fee
6. $0 monthly transaction account keeping fee
7. $0 monthly service fee with 100% interest offset facility
DisadvantagesDisadvantages1. Fees and charges apply. See website for details. |
eChoice Home Loans
 | Broker | Varies (Fixed Rate/Variable Rate) | Up to $1,000,000 | You don't ever pay eChoice anything | Comapring home loans from 25 lenders | Personal, employment and loan information | |
eChoice compare hundreds of products to bring you the right loan tailored to your needs. They make finding and applying for a loan faster and easier, while giving you the help you need. Their lenders include BankWest, Citibank, Suncorp, Westpac, St George and ING Direct.
DETAIL INFORMATION >> | ServicesServices1. First Home Buyers
2. Investment Loans
3. New Home Loans
4. Refinancing
5. MFAA Member
RestrictionsRestrictionsSee website for details
AdvantagesAdvantages1. Online, easy and free.
2. Industry leading technology that will help you work out how much you can borrow, what your repayments will be and a whole lot more
3. Get results in minutes
4. 25 + lenders in under 1 minute
5. Make your choice easy.
6. Keep you informed.
DisadvantagesDisadvantages1. You have to apply to get APR and fees. |
The St George Standard Variable Rate
| Variable Loan | 7.55% (Variable) | Up to $249,999 | Make additional payments at any time | If you want flexibility with a full range of features | Initially contact details for a loan expert to call you | |
The St George Standard Variable Rate offers you complete flexibility with a full range of features. You can receive a competitive interest rate without being locked into the rate for a set term.
DETAIL INFORMATION >> | ServicesServices1. Make additional payments at any time
2. Set up convenient automatic repayments from your nominated account
RestrictionsRestrictionsMonthly fee applies
AdvantagesAdvantages1. Flexible repayment options
2. 100% interest offset facility to help you save interest on your home loan
3. Convenient redraw facility
DisadvantagesDisadvantages1. Monthly administration fee applies.
2. The interest rate on this loan will move up and down with changes to rates in financial markets. |
Home Loans Australia
 | Broker | 7.25% | Varies on product. | Apply for free | For all purposes of attaining a home loan. | Related Financial Questions/Credit History/Income/Assets. | |
Get a helping hand and let Home Loans Australia work out the hard part you by tracking down an appropriate home loan for you, from a variety of top Australian lenders. Regardless of your situation and whether or not you have a bad credit history, Home Loans Australia is happy to match you with a suitable home loan.
DETAIL INFORMATION >> | ServicesServices1. Home Purchase/Refinance
2. Investment Loans
3. Construction Loans
4. Renovation loans
5. Debt Consolidation.
RestrictionsRestrictionsAustralian's only.
AdvantagesAdvantages1. Home Loans Australia is an inclusive service.
2. Accepts bad credit history applicants.
3. Accepts Ex-Bankrupt applicants.
4. You will be accepted even if you have no recorded savings history.
5. Homa Loans Australia accepts those who are self employed.
6. No charge, no obligation home loan eligibility application.
7. Multi purpose home loans: Home Purchase/Refinance/Investment Loans/Construction Loans/Renovation loans/Debt Consolidation.
8. Easy application process. 9. Live online help. 10. Use the home loan repayment calculator.
DisadvantagesDisadvantages1. Home Loans Australia do not provide financial advice.
2. Only available in Australia. |
Australia’s Trade Surplus Soars To Record Highs
Home Is Where The Heart Is – Protect It!
Australian House Prices Fall Again