First Choice Home Loan

This is the most popular loan that we have. It has a very competitive standard variable interest rate with full features and flexibility, for both owner-occupiers and investors. No ongoing fees.

Interest Rate

  • Please contact us for the best rates and product details: (02) 9265 1700
  • Variable only, no option to fix or do construction

Lending Range and LVR

  • Minimum loan amount $150,000
  • 90% LVR, up to $750,000 per loan
  • 90% LVR, up to $1,500,000 per applicant

Repayment Options

Term of Loan

  • Up to 30 years

Ongoing Fees and Charges

  • No monthly, annual or any ongoing account keeping fees
  • 20 free transactions per month
  • Free redraws on-line
  • Free loan splitting
  • Free lump sum repayments whenever you like
  • Free internet and phone banking access

Fees and Charges to Set Up the Loan

  • $250 for Application fee (waived until further notice)
  • $247.50 for Valuation, subject to property and location (waived until further notice)
  • $330 for Solicitor’s legal fee (waived until further notice)
  • $150 for Settlement fee

Redraw conditions

  • Redraw accessible through your choice of Internet or Phone
  • Minimum redraw $500 electronically, free.  Minimum redraw $2000 manually, $50 per request

Discharge Fees

  • $350 per security property
  • $290 a third party legal cost

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