 
The Vantage Offset Home Loan has one of the lowest packaged interest rates on
the market at just
6.49%. It
is not an introductory rate. Your rate actually is
6.49%! This
is up to 1% cheaper than the bank's standard variable rate. The Vantage Offset
home loan is packed with features including a Visa debit card, cheque book and
a 100% interest offset account.
The Vantage Offset home loan also comes with its own BSB and account number
allowing you to operate your mortgage like a bank account, including day to day
transactions and even direct debit payments. Depending on your credit limit,
you can even use it to consolidate other items such as car finance, credit
cards or personal debt.
This home loan is suitable for:
-
First home buyers and next home buyers that want a low mortgage interest rate
and want the features of being able to use their home loan like a bank account
with a BSB and account number
-
Homeowners wanting to refinance their current home loan and who may also want
to start making preparations for wealth creation, using their home equity
-
Customers looking to refinance their mortgage with the purpose of debt
consolidation of items such as car finance, credit cards or personal debt
-
Companies and Trusts requiring a home loan or wanting to refinance their
mortgage
Available Options
-
Variable Interest Rate
-
Fixed Interest Rate
-
Split Home Loan
-
Principal and Interest home loan repayments
Loan Amounts
-
Minimum home loan size $50,000. Maximum home loan size $600,000.
-
Maximum Loan to Value Ratio 80% Full Doc home loans (inclusive of Lender's
Mortgage Insurance).
Interest Rate
Full Doc -
6.49%.
(comparison rate
6.86%)
The comparison rate for each of the home loan products contained in this document is based on a secured loan of $150,000 over a term of 25 years. A Comparison Rate Schedule is available at the premises of Mortgage House of Australia Pty Ltd at Level 1, 9-13 Argyle Street, Parramatta or any of its agents or branches.
NOTE: 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.
How to Access Your Funds
-
Unlimited Free Internet Redraws (to nominated account)
-
Electronic Link to Nominated Accounts(s)
-
Cheque book
-
Debit card (VISA)
Note: Debit cards will be available for delivery in June 2010.
Repayments
-
Free Direct Credit - Available to any 3rd party institution
-
Free Direct Salary Crediting - you can have all or part of your pay directly
deposited into your offset account weekly, fortnightly or monthly.
-
Unlimited Free Direct Debit - borrowers can have their home loan repayment
drawn from a nominated bank account weekly, fortnightly or monthly
-
Principal and Interest home loan repayments to 30 years
-
First 4 splits are free of charge
-
Borrower may request additional splits
Portability and Flexibility
-
When you decide to move house you can take your home loan with you. Any home
loan may be transferred to another acceptable residential property, saving on
discharge, deferred establishment fees, direct debit and direct salary credit
disruptions, inconveniences, fixed rate beak costs and mortgage stamp duty.
-
Mortgage documentation, legal fees and valuation charges still apply. Transfers
are subject to insurance and lender's approval.
Application Fee
-
FREE for a limited time only.
Back to top
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Low Interest Rate
-
24/7 Internet Access To Account
-
Principal and Interest
-
Up to 30 Year Loan Terms Available
-
Unlimited Free Redraw Facility
-
Unlimited Free Direct Salary Crediting
-
Unlimited Free Direct Crediting
-
4 Free Splits
-
Interest calculated daily and charged monthly
-
100% Interest Offset Account
-
Extra Repayments Permitted Without Charge
-
Equity Release
-
Suitable for Companies and Trusts
-
CALL 133 144 NOW and SAVE
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