Home Smart Fixed Rate Home Loan
Owner-Occupied
- 2.19% pa1
1 Year Fixed Rate - 3.18% pa2
Comparison Rate
Forget worrying about interest rates. When you lock in your interest rate you have absolute certainty about what your repayments will be for the fixed period.
- Fix your interest rate from 1 to 5 years
- Offset account available
- Ability to repay up to 20% off your fixed rate home loan without penalty
- Redraw available
- Enjoy peace of mind with your fixed month to month repayments
- Flexible repayments
- Rate shown from home smart package
Rates effective 18 August 2021
Key features
| HomeSMART Package | |
|---|---|
| Package Discount | |
| Discount on variable loan rate | 0.70% pa |
| Discount on fixed loan rate | 0.20% pa |
| Fees | |
| Establishment Fee | $0 |
| Monthly Loan Fee | $0 |
| Key Features | |
| Unlimited eligible BDCU Alliance Bank transactions | On a basic transaction account or FLEX account |
| Package Bonus account - Bonus interest on My Community Account Rate | 0.25% pa |
| Discount on general insurance premiums | 5.00% pa |
| Visa credit/Debit card annual fees | $0 |
| Eligibility | Available with home loans of $150, 000 or more |
| Price pa | $395 |
Important information
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Things you should know:
All lending interest rates are subject to change. Rates are for new business and may differ for existing customers. Fees and Charges may be applicable and can be found in the Lending Fees and Charges Guide.
Important information about comparison rates.
1.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 different comparison rate.
For BDCU Alliance Bank Complete Fixed Rate Home Loan the comparison rate assumes a variable with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.
The variable interest rates displayed are based on the applicable Loan to Value Ratio (LVR).
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. All loans are 1st mortgage secured. The Establishment fee includes standard mortgage preparation costs $260 and one standard valuation cost $220. Additional solicitor and valuation costs apply for non standard or multiple properties. This fee is waived for Home Smart Package - Annual Fee applies. Term and Conditions, loan fees and charges apply. BDCU Alliance Bank lending criteria applies to all loans and applications are subject to approval. We recommend you read all relevant disclosure documents before acquiring the product.
