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What are non-bank lenders?

14 February 2023

When it comes to getting a home loan, most people go straight to their bank. It’s understandable – banks are usually the most convenient option and can help most Aussies with their home loan needs. But if you want more support and flexibility in your mortgage options, or you have

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Ways to reduce your loan repayments

7 February 2023

With interest rates on the rise, it is becoming increasingly difficult for people to keep up with their loan repayments. Fortunately, there are some strategies available that may help reduce the amount of money you have to spend on home loan payments each month. In this blog article, we will

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Comparing your loan options

31 January 2023

Finding the right loan to suit your needs can be a daunting task. With so many loan options and an increasingly complex market, it’s important to compare loan features carefully before making a decision. Whether you need a loan for home renovations, debt consolidation or something else entirely, there are

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Is now the right time to refinance?

24 January 2023

When considering whether now is the time to refinance your mortgage, there are several factors to consider. At its core, refinancing means taking out a new loan to replace an existing one; this can be done for many reasons but often involves getting a lower interest rate or saving money

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Citi Bank Fixed Rates with Mortgage Plus 2-year Fixed rate has an interest rate of 2.19% p.a. (comparison rate 3.12% p.a.). Fixed Rate loans must be combined with Standard Variable/Standard Variable Offset (Owner Occupier and Investor) to be eligible for Mortgage Plus. Fixed rate quotes are held 60 days from the day the application is submitted. If settlement occurs after 60 days, the prevailing fixed rate will apply. Fixed rates revert to the Standard Variable rate at the end of the fixed term. Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Lenders Mortgage Insurance is applicable for loans with an LVR over 80%, unless the option LVR between 80.01%-85% (Without LMI) is selected. Loans with LVR between 80.01%-85% (Without LMI) are not available to non resident loans or loans where income is declared for loan assessment is in a foreign currency. For all loans over LVR 80% principal and interest repayment is required. IMPORTANT: The Comparison Rate applies only to the example given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

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