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Essentials Variable Rate 2 Year Intro Offer

Enjoy a 1.15% discount for 2 years on your Essentials Variable Rate home loan.

Essentials Variable Rate 2 Year Intro Offer

Save even more with this Intro Offer

The Essentials Variable Rate is our no-frills, low rate home loan for owner occupied properties. Take out a new Essentials home loan you will enjoy a 1.15% discount off the normal Essentials interest rate for the next 2 years. 

Features
  • 1.15% discount off the Essentials Variable Interest Rate for the first 2 years
  • Reverts to the ongoing Essentials Variable Rate loan after intro period
  • Borrow up to 95% of the value of home with Mortgage Insurance or 80% without Mortgage Insurance
  • Weekly, fortnightly or monthly repayment options
  • Zero monthly or annual account keeping fees
  • Access to redraw facilities and  Visa Card facilities
  • No restrictions on making extra repayments
  • Assistance with applying for the Government First Home Buyers Grant where relevant
  • Eligible for inclusion in the WAW Customer Benefit Program
Rates
Essentials Variable Rate - 2 year intro rate 3.33% p.a
Comparison Rate* 4.31% p.a
Essentials Variable Rate 4.48% p.a
Comparison Rate* 4.52% p.a

Download our current Loan Interest Rate and Fees Schedule here

 

*Terms and conditions apply. The comparison rate is based on a loan of $150,000 over 25 years. Different amounts and terms will result in different Comparison Rates. Costs such as redraw and early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Fees

Loan Application fee

Owner Occupied / Residential Investment $600.00
Increase fee $300.00
Guarantees Facility application fee $400.00
  Each guarantee $100.00
  Half yearly service fee - 0.50% of facility limit Min. $50.00
Redraw Facility Fee (per redraw) $20.00

Other Fees

Product / Rate switching $600.00
Substitution of Property Mortgage $300.00
Bill of Sale / Goods Mortgage - Registration / Variation At Cost
Mortgage Insurance At Cost
Legal Fees, Valuations, Surveys, Settlement Fees At Cost
   
Titles & Related Fees Discharge of Mortgage Costs + $400.00
  Production or Consideration Fee Costs + $50.00
  Photocopy $5.00
  Title or Final Notice At Cost
How To Apply

If you are interested in applying for this loan please click on the link below to fill out our online enquiry form with your name, contact details and the product you are interested in. One of our dedicated loans staff will contact you to further the application process.

Alternatively, you can contact us on 1300 368 555 and ask to speak to one of our home loan specialists.

 

Enquire Now