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Wednesday, 19 August 2015 00:00

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No Regrets 1st Home Buyers Loan

For 1st home buyers looking to live in the purchase property.

3.27% pa1 3.37% pa2
Apply Online Make an Enquiry 1800 10 10 63

If you’re a first home buyer looking to borrow more than $250,000 then this could be the perfect loan for you. Check out our latest offer here.

    • Be approved within 24 hours+
    • Pay no application or valuation fees5
    • Only 10% deposit needed3
    • Parent guarantees also accepted to secure the loan*
    • 100% offset facility which can reduce the interest you pay
    • 1 free redraw per month to access equity in your loan
    • No early payment penalties
    • Choose weekly, fortnightly or monthly repayments
    • Repayment holidays up to the value of any extra repayments made
    • Suitable for owner occupied, 1st home buyer loans only
    • You could also be eligible for the $10k First Home Owners Grant (FHOG)
    • In some states, you may also be exempt from paying stamp duty
    • We can lodge your FHOG application on your behalf. Talk to us today.^

     

     

    Additional Product Links:


First Home Buyers No Regrets Home Loan
Product Information
Variable Interest Rate3.27% pa1
Comparison Rate3.37% pa2
Minimum Amount$250,000 
Loan PeriodUp to 30 yrs
Max LVR90%3
Repayment FrequencyMonthly, Fortnightly, Weekly
Interest ChargesCalculated daily, charged monthly
Variable and Lump Sum RepaymentsYes 
Auto RepaymentsYes 
Additional Repayments AcceptedYes 
1st Home Buyers EligibleYes 
Eligible for Discounted Credit Card RateYes 
Repayment Holiday OptionYes 
Redraw FacilityYes 4
Offset AccountYes 
Eligible for Rebate RewardYes 
Fees and Charges
Application Fee$0 5
Establishment Fee At cost
Valuation Fee$05
Monthly Fee$8 
Annual Fee$0 


 

+Loan approval can be provided within 1 business day from the time all required documentation is received. Provision of documentation does not automatically qualify you for loan approval.

*You must be able to show you can service the loan repayments yourself. Guarantors can only be used to provide extra security over the loan in circumstances such as inconsistent savings or short work history. Guarantors have a legal obligation to repay the loan should the borrower default. A guarantors capacity to repay the loan will be assessed.

^To qualify as a 1st home buyer, you must be purchasing the first home you or your spouse have owned or co-owned in Australia, although there are some exceptions. You must also move into the property within 12 months, and live there for at least 6 continuous months. For more information visit: http://www.firsthome.gov.au

1 Product is the No Regrets 1st Home Buyers Loan and is only available for new 1st home buyer, owner occupied loans over $250k. Applications must be submitted between 23 May and 30 September 2019 and loans must be settled by 30 January 2020 to be eligible. Construction loans need to complete the first draw down by 30 January 2020 to be eligible. Refinance loans are not eligible.

2 The advertised comparison rate of 3.57% is for owner occupied properties over $250,000, is calculated on a secured loan of $150,000 for a term of 25 years and includes offer of $0 application and $0 valuation fees. The comparison rate is 3.59% if the application and valuation fees are not waived. WARNING: This comparison 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.

3 Maximum LVR stated is for owner occupied loans.

4 Fees apply.

5 $0 application & $0 valuation fee offer is for new 1st home buyer owner occupied loan applications, over $250,000, received between 23 May and 30 September 2019. Hunter United reserves the right to withdraw offer at any time. There is a limit of one free property valuation per application.