1% below the banks rate - Agile Home Loan
The Opportune Agile Prime Home Loan is a discounted rate up to 1% below the major banks standard variable rate.
|
Provider |
Variable Rate (p.a.) |
Comp Rate* (p.a.) |
|
Opportune
|
6.49%*
|
6.81%*
|
|
Westpac |
7.51% |
7.64% |
|
ANZ |
7.41% |
7.51% |
|
Commonwealth |
7.36% |
7.49% |
How Much Can You Borrow
- Minimum of $30,000
- Maximum loan to value ratio is 65% up to $1,000,000 plus LMI capitalised for purchases only
Interest Rate
-
6.49% with an AAPR of 6.81% based on a $150,000 loan over 25 years
Features of the Loan
- Term is up to 30 years
- Direct Debit or salary crediting either monthly, fortnightly or weekly
- Internet or telephone transfer for additional payments available
- Unlimited redraw via internet or telephone banking
- Additional repayments available on variable rate loans
- ATM and EFTPOS access
- Loan can be split into 4 separate accounts
- Statements issued 6 monthly
Fees
- Application Fee - Nil
- Valuation Fee - approx $240.00 for one standard valuation
- Legal Fees - $423.50 where there is one security property
- Settlement Fee - $250.00
- Annual Fee - $330.00
- LMI payable if Loan to Value Ratio >80%
- Deferred Establishment fee
1.0 x notional payment for the first 5 years of the loan if the loan amount is <500k
1.5 x notional payment for the first 5 years of the loan if the loan amount is > 500k
Check out our competitive rates or make an appointment with one of your community branches.
Talk to an Opportune Home Loan Expert or call Opportune on 1300 4878463
Terms and conditions apply. Fees and charges are payable. The interest rate and comparison rate quoted is current as at 12/05/2010. The Comparison Rate is calculated on the basis of a loan of $150,000 over a term of 25 years. *The Comparison Rate is calculated on the basis of a loan of $150,000 over a term of 25 years with an annual fee. Warning: This comparison rate applies only to the examples given. Different amounts and ter will result in different comparison rates. Costs such as redraw fees or 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.**The 12 month kick start increases by .98% after 12 months.
