Fair Dinkum Home Loan

Our Fair Dinkum home loan is a basic home loan with a lower variable rate, no ongoing fees and unlimited additional repayments without the extras like a redraw facility and offset account.
Category: Home Loans  Last Updated September 30, 2024  Effective October 23, 2024

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.89% PA
Comparison Rate
5.89%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 Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR >70% to ≤80% discount
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.04%, Comparison Rate 6.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR >60% to ≤70% discount
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.99%, Comparison Rate 5.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR ≤60% discount
Minimum: 0.01 PERCENT Maximum: 60 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.89%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR >80% to ≤90% discount
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.19%, Comparison Rate 6.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Npp Enabled

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Residency Status - Australian Resident.

 Bank Fees and Charges

  • Additional Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost
  • Company / Trust - Borrower / Guarantor Party Fee (Event), Amount: 150.00. Additional Information: Payable for each company or trust borrower / guarantor party on the loan.
  • Discharge Fee (Exit), Amount: 165.00. Additional Information: Payable for standard partial or full discharges.
  • Substitution Of Mortgage Security (single Property) Fee - For New Loans (Event), Amount: 350.00. Additional Information: Payable for substitution of a mortgage security
  • Substitution Of Mortgage Security (single Property) Fee - For Variations (Event), Amount: 200.00. Additional Information: Payable for substitution of a mortgage security
  • Default Enforcement Expenses (Variable), Amount: Not Listed.. Additional Information: May apply if enforcement services are required as part of default administration

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000