Online Home Loan Product
HOME OF AUSTRALIA'S BEST MORTGAGE & REFINANCE LOAN!

The benefits of Ratebusters Home Loan Products and home loan rates are clearly detailed for you below. Whether your'e looking for a refinance, investment or standard home loan, all you need to do is;

1. Read through all the benefits our home loan offers
2. Call our home loan helpdesk if you need advice
3. Apply Online!


ratebusters fightback home loan
 
 
Ratebusters Ultimate
AFG Pro Pack HL
(via Assured Home Loans)
Variable Interest Rate 4.84% pa + a loyalty bonus rate reduction of .1% 60 months after settlement 4.82% pa where the lending ratio is between 80% and 90%. Where the lending ratio is between 70% and 80% a variable interest of 4.82% pa applies. Where the lending ratio is less than 70% the Pro Plus Special with an interest rate of 4.67% pa applies. These rates are effective for new loans lodged between 13th October 2014 and 31st December 2014. Loans must settle prior to 31st March 2015.
Comparison Rate 4.84%**
4.81%
for $250,000 loan amount

4.84%** between 80% - 90% lending ratio
4.84%**
between 70% - 80% lending ratio
4.69%** < 70% lending ratio

Application Fee $0.00 One Standard application fee currently waived
Document Preparation Fee $330.00 One Standard legal fee currently waived
Valuation Fee $247.50 (metro) One Standard valuation fee currently waived
Lenders Processing Fee Nil Nil
Settlement Fee $150.00 $150.00
Allowance to cover Sundry Solicitor Costs
(unacertainable, but allow say)
$110.00 $110.00
Annual Fee (collected in advance) $0.00 $0.00
Monthly Service Fee $0.00 $0.00
Redraw Fee $50 (if not completed via online account access) $50 (if not completed via online account access)
Minimum Redraw Amount
No Min from Offset Account
$500 from Home Loan
Note: redraw not available from Interest Only loan
No Min from Offset Account
$500 from Home Loan
Note: redraw not available from Interest Only loan
Split loan account available Yes (up to 4 splits) Yes (up to 4 splits)
Split loan fee No if option taken at original loan application No if option taken at original loan application
Offset Account Yes Yes
ATM Access (Any ATM) Yes (transactions via RediATM Network are free) Yes (transactions via RediATM Network are free)
Eftpos Yes Yes
Cheque Book No No
Fixed rate available Currently Not Available Currently Not Available
Fee to Fix N/A N/A
Additional Repayments Allowed Yes Yes
via Deposit book
No No
via BPay
No No
via our internet
No No
via direct credit (eg dividend, or from another bank's internet)
Yes Yes
Direct Debit Yes Yes
Telephone Account Access No No
Online account access
(See bottom of table for online account functions)
Yes Yes
Salary crediting Yes Yes
Interest Only available Yes (5 yrs and investment loans only) Yes (5 yrs and investment loans only)
Owner Occupier Yes Yes
Construction Loan No No
Investment Yes Yes
Term of Loan 8 - 30 years 8 - 30 years
Loan Amount Minimum $80,000 Maximum
$1,000,000
Minimum $50,000 Maximum
$1,000,000
LVR Up to 90% Plus Cap LMI Up to 90% Plus Cap LMI
Lenders Mortgage Insurance (LMI) Required on all loans. Loans >80% lending ratio premium payable by borrower. Required on all loans. Loans >80% lending ratio premium payable by borrower.
Security 1st registered mortgage over residential property 1st registered mortgage over residential property
Vacant Land as security No No
Repayment frequency - -
Weekly
Yes (Monthly amount divided by 4) Yes (Monthly amount divided by 4)
Fortnightly
Yes (Monthly amount divided by 2) Yes (Monthly amount divided by 2)
Twice Monthly
No No
Monthly
Yes Yes
Early Repayment Fee Nil Nil
Discharge Fee $350.00 $350.00
Security Substitution Allowed Yes (Must be simultaneous) Yes (Must be simultaneous)
online home loan
Internet Access (This section refers to functions available online) Yes Yes
Internet Redraw
Yes Yes
Pay anyone
Yes Yes
Maximum redraw via internet
$3,000.00 $3,000.00
Online statements
Transaction list only. Transaction list only.
Bpay/Biller payment
Yes Yes
Change frequency/Amount of repayments
No No
Draw Additional payments from nominated outside bank account
No No
Change Direct Debit details
No No
Change personal details
No No
Reset Password
Yes Yes
Confirm repayment details
No No
Activate Card
Yes Yes
Want even more information?

Refer to our Features & Benefits sheet, that provide further explanation on features & benefits, (link below)

Click here for the Ratebusters Ultimate brochure

Refer to our Features & Benefits sheet, that provide further explanation on features & benefits, (link below)

Click here for the AFG Pro Pack HL brochure


Just 3 simple steps and you're on your way to a better home loan

And remember, applying for a Ratebusters home loan is as easy as 1,2,3. Simply research yourself by reviewing the details of our award winning products, call a helpdesk consultant if you need help at any time, then apply online. It's that simple!


home loan apply now

You Can Apply Easily, Right Now!

Even if you're not computer savvy or not an expert on home loans, Ratebusters makes it easy to apply online. We don't want you to miss out on the savings our low rate home loan offers, so if you have any questions about how to apply, deposit and fees or just where to go from here, our expert home loan consultants at Harry's Helpdesk can give you a hand.

Apply Now


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Please Note: The above information is subject to change without notice. All fees and charges have been based on a single security standard mortgage application within metropolitan areas. Full terms and conditions will be included in the Loan Offer. Other fees and charges are payable including disbursements. Lending criteria terms and conditions apply.

**The Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years. Fees and charges may be payable. Click here for a comparison rate schedule.

Warning: This comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or 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.

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