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60 month $5k+ |
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The Introductory 1-year Fixed Home Loan
SERVICE ONE's Introductory 1-year Fixed Home Loan offers a low introductory interest rate for new borrowings, fixed for the first 12 months. We also offer a first home buyer option with further discounts, helping you get ahead quickly. A summary of this loan's features is offered below:
| Competitive interest rate |
6.05% p.a. (interest rate) 6.89% p.a. (comparison rate)^. Low, introductory fixed rate for the first 12 months. 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. |
| First home buyer option | If you're eligible for the Government's First Home Owner Grant, you can take advantage of our first home buyer option with this loan, saving you more money as the Mortgage Application Fee is waived and you won't pay the loan Monthly Service Fee for the first 12 months. It's all designed to help you get ahead on your loan - and we'll even assist you with the documentation for the First Home Owner Grant! |
| Flexible repayments | Monthly repayments, or your choice of fortnightly or weekly - helping you reduce the term of your loan, saving you money. |
| Redraw facility | Extra repayments can be made against your loan at any time, reducing the principal outstanding and consequently reducing the interest charged against the loan. You can withdraw part or all of these extra repayments. |
| 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 repayment options 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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