Includes 0.15% p.a. discount with no establishment fee or monthly loan service fees. Minimum package lending balance from $150,000.# Comparison rate warning.
Enjoy the flexibility of a split home loan – how you choose to split it is up to you.
Choose to pay Principal and Interest weekly, fortnightly or monthly. Or Interest Only1 monthly.
Additional repayments can be made up to $10,000 in a fixed year without incurring additional charges.
For refinancers who apply before 30 June 2021 and have their loan funded by 30 September 2021. Minimum refinance amount $250,000. This offer is not available for Bridging Loans.
You may be able to buy your first home sooner with as little as a 5% deposit thanks to the First Home Loan Deposit Scheme, designed to help more first home buyers realise their home ownership goals.
Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit so you can own your home sooner.
A family member can help you secure a home loan by mortgaging their own property as additional security.
Get the finance you need to buy a new property before you’ve settled on the sale of your existing one.
You can also split your home loan and enjoy the best of fixed and variable.
You can also split your home loan and enjoy the best of fixed and variable.
Book a time that suits you to speak to one of our Home Lending Specialists instantly.
Our Mobile Lenders will meet you at a time and place that suits you.
Our Home Lending Specialists can be found at more than 950 branches across Australia.
1 You can choose to pay Principal and Interest weekly, fortnightly, or monthly. Only monthly payments are available for Interest Only. The maximum Interest Only payment period over the life of a loan is 10 years for Investment Home Loans and 5 years for Owner Occupied Home Loans, so long as there is at least 5 years remaining on the Contracted Loan Term. We have different rates that apply, depending on whether you are making Interest Only payments or Principal and Interest repayments. During an Interest Only period, your Interest Only payments won't reduce your loan balance unless you choose to make additional repayments. At the end of an Interest Only period, your repayments will increase to cover Principal and Interest components.
^ Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING: 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. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
Applications for finance are subject to the Bank's normal credit approval. Full terms and conditions are included in the Loan Offer. Other fees and charges are payable.
* Rate Lock allows you to lock in the interest rates for a period of 90 days effective from the date we process your request. Rate lock fee only available on 1-5 year periods. Applies to each Rate lock. Rate Lock is only available at application and a fee applies. At the end of the fixed rate period, the interest rate converts to the applicable Standard Variable Rate relevant to your loan purpose and repayment type at that time, less any applicable package discount specified in your Loan Contract.
# Package requires at least $150,000 in package lending balance, and an annual fee of $395 applies. Package lending balance is the sum of the account balance of eligible home lending accounts and the credit limit of Viridian Line of Credit accounts that you have with us at the time you apply for Wealth Package. Eligible home loans are limited to those accounts that can be included in the Wealth Package.
** The rates shown are interest rates for Principal and Interest repayments. For all our rates including interest rates for Interest Only payments view our Home Loan Interest Rates.
