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60 month $5k+ |
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Fixed Rate Home Loans
SERVICE ONE's fixed rate home loan options give you the choice of fixing all or part of your loan, and offer between 1 and 5-year terms. This gives you certainty around repayment amounts as your loan is not subject to interest rate movements during the fixed period. A summary of our fixed rate loan features is offered below:
| Competitive interest rates |
1-year 5.95% p.a. (interest rate) 6.88% p.a. (comparison rate)^. At the end of the fixed period, you will have the choice of what product your loan reverts to at no cost. Unless you advise otherwise, the loan will revert to the Standard Variable Home Loan rate. View all our interest rates. |
| Flexible repayments | Monthly repayments, or your choice of fortnightly or weekly - helping you reduce the term of your loan, saving you money. |
| Redraw facility+ | You can withdraw all or part of any extra repayments you make against your loan. |
| 100% loan offset facility+~ | Link up to two Day to Day Savings Accounts to offset your savings balances against your loan balance. |
| Additional variable and lump sum repayments | Own your home sooner by making variable and lump sum repayments. You can make up to 12 months worth of loan repayments during the fixed period. |
| Tailored borrowing amounts | We lend up to 80% of the property value or up to 97% of the property value with Lender's Mortgage Insurance. |
| Auto repayments (salary/account) | Easy and convenient repayments to avoid late fees. |
| Loan Repayment Insurance | This insurance helps you cover your loan repayments should the unexpected occur. |
In addition:
- You can choose to split your loan between variable and fixed rates - at a ratio that suits you!
- Conditional approval can be granted quickly upon receipt of your application.
- You will take advantage of discounts on your everyday banking and be exempt from the monthly Membership Service Fee.*
- By having a home loan with SERVICE ONE, you can enjoy a Visa card at the Standard Variable Home Loan rate.#
- You can access a Deposit Power Guarantee if you need help with the cash deposit on a residential property purchase.
^ Comparison rate calculated on a secured loan amount of $150,000 over a term of 25 years based on monthly repayments.
+ Available for loans funded from 1 January 2012.
~ Refer to the Loan Offset Facility Request/Variation form for terms and conditions - available upon request or application.
* Discounts on everyday banking will depend upon your average relationship balance (including loan balances). View SERVICE ONE's Schedule of Fees and Charges for more information.
# An additional benefit of having a home loan with SERVICE ONE is it allows you to enjoy a Visa Card (conditions apply) at the Standard Variable Home Loan interest rate.
Terms and conditions and fees and charges are payable and details on these fees are available in SERVICE ONE's Schedule of Fees and Charges. All loan applications are subject to SERVICE ONE's standard lending criteria. Some loan services may require a separate application and are subject to assessment.
After even more options?
At SERVICE ONE, we offer a range of options tailored to your loan needs and individual circumstances. It's all about making sure your loan arrangements are relevant to you. So whether you're building your new home, considering help from family to get into your first home or moving to a new home and want to take your existing SERVICE ONE loan with you, find out how it's your home loan, your way.
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