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Owner Occupied Home Loans

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With variable and fixed rates, the ability to split between the two, an equity loan option and standard features like offset and redraw across the majority of loan options, there’s a SERVICE ONE Alliance Bank Home Loan to suit you.


 

2.69% pa
Interest Rate (loans with LVR of 60% or less)

2.93% pa1
Comparison Rate

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A flexible home loan with all the extras.


  • discounted rates for lower Loan to Value Ratios
  • 100% offset and redraw facilities
  • borrow up to 95% of your property value*
  • ability to make extra repayments with no penalty
  • option to split with a Fixed Rate Home Loan
  • for more rate options, expand the Product Features

  Complete Variable Rate Product Features:
Complete Variable Rate Home Loan (Owner Occupied)
Owner Occupied Interest Rates
Complete Variable Rate Home Loan - LVR of 60% or less2.69% pa
Complete Variable Comparison Rate - LVR of 60% or less2.93% pa1
Complete Variable Rate Home Loan - LVR 60.01-80%2.79% pa
Complete Variable Comparison Rate - LVR 60.01-80%3.03% pa1
Complete Variable Rate Home Loan - LVR 80.01-90%3.09% pa
Complete Variable Comparison Rate - LVR 80.01-90%3.32% pa1
Complete Variable Rate Home Loan - LVR more than 90%3.29% pa
Complete Variable Comparison Rate - LVR more than 90%3.52% pa1
Fees
Establishment fee$550 
Valuation fees included within establishment fee?No 
Annual fee$0 
Monthly fee$15 
Redraw fee$30 2
Fixed rate loan break feeNo 
Features
Redraw facilityYes 
Offset account100% offset 3
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 
ATM/EFTPOS accessYes 
Branch accessYes 

 

2.09% pa4
Interest Rate (4 year fixed rate)

2.80% pa1
Comparison Rate

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Feature-rich fixed rate options giving you certainty of your repayment amount.5


  • 1, 2, 3, 4, 5 year fixed options
  • 100% offset and redraw facilities
  • borrow up to 95% of your property value*
  • option to split with a Variable Rate Home Loan
  • for more rate options, expand the Product Features

  Complete Fixed Rate Product Features:
Complete Fixed Rate Home Loan (Owner Occupied)
Featured Interest Rates
Fixed interest rate2.09% pa
Comparison rate2.80% pa1
Owner Occupier (Principal and Interest)
1 Year - Fixed Interest Rate2.19% pa4
1 Year - Comparison Rate2.97% pa1
2 Year - Fixed Interest Rate2.19% pa4
2 Year - Comparison Rate2.92% pa1
3 Year - Fixed Interest Rate2.19% pa4
3 Year - Comparison Rate2.88% pa1
4 Year - Fixed Interest Rate2.09% pa4
4 Year - Comparison Rate2.80% pa1
5 Year - Fixed Interest Rate2.69% pa4
5 Year - Comparison Rate2.99% pa1
Features
Redraw facilityYes 2
Offset accountYes 3
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 6
ATM/EFTPOS accessYes 
Branch accessYes 
Fees
Establishment fee$550 
Valuation fees included within establishment fee?No 
Annual fee$0 
Monthly fee$15 
Redraw fee$30 2
Fixed rate loan break feeYes 7

 

4.70% pa
Interest Rate

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HomePlus can be used as a multi-purpose account, with flexibility and multiple access options.


  • variable rate
  • a range of flexible access options 
  • draw up to your approved loan amount at anytime
  • borrow up to 80% of your property value*

  Home Plus Line of Credit Features:
HomePlus Line-of-Credit (Owner Occupied)
Featured Interest Rates
Variable interest rate4.70% pa
Fees
Establishment fee$500 
Valuation fees included within establishment fee?No 
Annual fee$0 
Monthly fee$12 
Features
Periodic paymentsYes 
Redraw facilityNA 
Offset accountNA 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 
ATM/EFTPOS accessYes 
Branch accessYes 

 


 


After quite specific needs?

 

Building your dream home?

The majority of SERVICE ONE Alliance Bank home loans can be used for construction purposes.

Find out more
 

Trouble selling your existing home?

A Bridging Loan can help you bridge the gap between your new home finance and what you hope to sell your existing home for.

Find out more
 

Attending auctions?

Bid with confidence as we can provide you with a conditional pre-approval valid for up to three months.

Find out more
 

Unable to borrow on your own?

Our family assist/guarantor option allows a member of your immediate family to guarantee your loan to help you get into the housing market sooner.

Find out more
 

Buying your first home?

If you’re eligible, we can assist you with the application for the First Home Buyers Grant.

Find out more
 

House deposit money tied up?

You may be eligible for a short-term deposit guarantee that can be used as a substitute for the cash deposit on a residential property purchase.

Find out more

Home Loan Calculators

 

How much can I borrow?

Use your income and expenses to estimate how much you may be able to borrow.

Calculate
 

Home loan repayments calculator

Work out how much your home loan repayments might be.

Calculate
 

Home loan comparison calculator

Compare two home loan options to see what might be best for you and your needs.

Calculate

  Related information:

 

Things you should know:

*May vary depending on property zoning, valuation and loan purpose. Lender’s Mortgage Insurance costs are capitalised on top of loan amount.

Terms and conditions apply and fees and charges are payable. Lending criteria apply. Full details available on application. Some loan services require a separate application and are subject to assessment.

1 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a higher comparison rate. All comparison rates are calculated with a nil offset balance. 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 term to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance and so you may pay more interest over the life of the loan. For fixed rates, the comparison rate assumes a variable rate with LVR between 60.01-80% will apply at the end of the fixed period.

2 Free through Internet banking.

3 Refer to the Loan Offset Facility Request/Variation form for terms and conditions - available upon request or application.

4 Reverts to LVR variable tier that applies at time of funding.

5 Terms and conditions apply and fees and charges are payable. Lending criteria apply. Full details available on application.

6 Early Repayment Fee payable when a loan is repaid by 20% or more during the fixed rate period.

7 Break Cost will be charged for an early termination of a fixed rate loan or the early repayment of that loan. For further details refer to the Schedule of Fees and Charges.