STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)

A variable loan for owner occupiers with flexible features such as a 100% offset account to help pay your loan off sooner. Includes a competitive rate, fee free redraw and no monthly or annual fees.
Category: Home Loans  Last Updated November 6, 2024  Effective December 18, 2024

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: 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.
Interest Rate
6.04% PA
Comparison Rate
6.09%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Offset
  • Redraw
  • Other Additional Information: No penalty for extra repayments

 Product Eligibility

  • Natural Person
  • Min Age - 18.
  • Residency Status - Australian Citizen Or Permanent Residency Only.

 Bank Fees and Charges

  • Home Loan Application Fee (Upfront), Amount: 500.00. Additional Information: Includes application, one legal and standard valuation fee free for first application, for one security only.
  • Construction Loan Application Fee (Upfront), Amount: 1500.00. Additional Information: Includes application fee, inspection fees and drawdown fees throughout construction period. Legal fees are paid in addition to this and are at cost.
  • Loan Variation Fee (Event), Amount: 250.00. Additional Information: Includes loan split requests, additional splits, loan top up on existing loan, substitution of security, loan re-fix fee and loan switches (loan switching to a different loan type)
  • Special Attendance (Event), Amount: 300.00. Additional Information: $300 + at cost fees
  • Re-issue Loan Documentation Fee (Event), Amount: 125.00.
  • Late Payment (Event), Amount: 25.00.
  • Default Notice Fee (Transaction), Amount: 50.00.
  • Failure To Comply Notice (Event), Amount: 25.00.
  • Rental Or Contract Performance Guarantee (Event), Amount: 500.00. Additional Information: $250 upfront preparation fee plus $250 p.a. (paid in advance)
  • Production Of Deeds (Event), Amount: 0.00. Additional Information: Charged at cost
  • Special Attendance Fee (Event), Amount: 0.00. Additional Information: Charged at cost
  • Mortgage Default Notice Fee (Event), Amount: 0.00. Additional Information: Charged at cost
  • Lenders Mortgage Insurance (lmi) (Event), Amount: 0.00. Additional Information: LMI fees and charges available on application
  • Copy Of Print Statement - Fee (Event), Amount: 1.50. Additional Information: $1.50 per page

 Limitations & Restrictions (Constraints)

  • Min Balance of 50000.00