Gold Loyalty Home Loan

No application fee, no settlement fee and no annual fees with unlimited redraw and full banking facilities.

0.15% Bonus Rate Drop after 5 years to reward loyal customers.

Perfect for refinance or new loans of $750,000 or more.

Gold Loyalty Home Loan

6.23%
6.15%*
Comparison rate

  • Low Rate and Bonus Rate Drop
  • No Upfront or Annual Fees
  • Loan amounts of $750,000 or more only

Loan Details

General

Owner-occupied or investment purchases, refinancing existing residential or investment or business for loans >$750,000

Loan size

$750,000 to $2,000,000

Term

10 to 30 years

Repayments

Principal and Interest or interest only for 2, 3, or 5 years

Repayment frequency

Weekly, fortnightly or monthly

Extra repayments

Extra repayments can be made on variable loans at any time

Convert to Fixed Rate

All or part of the loan can be converted to a fixed rate at any time

Split loan facility

Up to 4 separate splits per facility. Transfer funds between splits using inter-account payment facility.

Redraw facility

Yes - unlimited free redraw

Pay anyone

Payment can be made to any bank, building society or credit union directly from your loan using a valid BSB and account number (excludes credit cards). Maximum of $5,000 per day. Not available during fixed rate period.

Max Loan to Value ratio (LVR)

95% LVR plus Lenders Mortgage Insurance on new purchases

90% LVR plus Lenders Mortgage Insurance on refinances

Other conditions

All repayments are to be made by electronic direct debit or direct salary credit.

LendersMortgage Insurance is required, and is payable by the borrower if the amount borrowed is greater than 80% of the value of the property (conditions apply).

Break costs will apply to fixed rate loans if fixed rate period is being broken.

Registered first mortgage over residential property as security on all loans.