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Why choose a Mortgage Breaker Home Loan?

Want a mortgage with all the bells and whistles? Our full-feature Mortgage Breaker Home Loan gives you all the flexibility you need to navigate through life’s changes. With no account keeping fees, a low variable interest rate and unlimited additional repayments, you can manage your money and break free of your mortgage sooner.

  • 100% offset for P&I loans
  • No account keeping fees
  • Split loan available
  • Unlimited additional repayments
  • Repayment pause for owner occupiers
  • RACQ member benefits
  • Free redraw for owner occupiers

Interest rates & fees

Owner occupied

 

Mortgage Breaker Choices $500k+ 4.09 % p.a Owner Occupied
4.47 % p.a Comparison rate
Establishment fee $600 or $0 with Choices Package
Annual fee $0 or $395 with Choices Package

Monthly account keeping fee

$0
Additional repayments option Unlimited
Offset account Yes
Maximum Loan to Value Ratio (LVR)The Loan to Value Ratio (LVR) is the amount you are borrowing, represented as a percentage of the value of the property being used as security for the loan. 80%; 95% with Lenders Mortgage Insurance (LMI)Lenders Mortgage Insurance (LMI) is a one-off insurance payment which banks generally require you to pay if you have a smaller deposit.
Maximum term 30 years

Investor

 

Mortgage Breaker Investor Special Choices 4.19 % p.a
4.57 % p.a Comparison rate
 
Establishment fee $600 or $0 with Choices Package
Annual fee $0 or $395 with Choices Package
Monthly account keeping fee $0
Additional repayments option Unlimited
Offset account Yes
Maximum Loan to Value Ratio (LVR) The Loan to Value Ratio (LVR) is the amount you are borrowing, represented as a percentage of the value of the property being used as security for the loan. 80%
Maximum term 30 years

Home loan calculator

How the application process works 

1. Get things underway
Start the process by completing the online application form.

2. We’ll be in touch
Download the home loan application checklist (41KB). Your home lending specialist will call you by the next business day to organise a meeting to go through your situation in depth.

3. Assessment and valuation
To help keep things moving and to make sure all the boxes are ticked, we conduct a property valuation and credit checks.

4. Full approval
Congratulations! We’ll let you know when your loan has been formally approved.


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