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Sovereign Fixed 12 months Home Loan Go to site

Upfront Fees $0
Monthly Fees -
LVR -
Advertised Rate 4.45%
Comparison Rate 4.45%
Payment Amount $1,259.30
Total Payment Amount $453,346.88
  • Sovereign loans are only available via a mortgage adviser, an application fee may be charged by the adviser
    Representative example: The advertised rate is 4.45%, so if you borrow $250,000 over 30 years you will pay $0 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,259.30 and you will pay $453,346.88 in total over the life of the mortgage.

Why use a Loan Market mortgage adviser?


  • We'll find the right loan for you

    We’ll find out your financial goals and match your needs to the most competitive loans from hundreds of choices.


  • We’ll negotiate a better deal

    We have access to a range of lenders willing to negotiate with special offers and discounted interest rates.


  • It’s simple and fast

    Your adviser will complete all of your paperwork and take the stress out of the process for you.


  • Our service is free

    You don’t have to pay a cent because we’re paid by the lender that you choose.

What you need to know

Mortgage Guide

Welcome to our mortgage guide. This page is put together to give you the straight read-more

Fixed or floating, how do I decide?

Feel like you don't want to make a bad decision with your biggest asset, worried about committing yourself to a bad read-more

Should I pay off my home loan early?

It’s three years since I took out a mortgage and due to a raise I now have a bit extra left each week. I could put read-more

Offset Mortgage or Revolving Credit Account?

Picking the right mortgage product can save you thousands of dollars and reduce the time to pay. However, if you go read-more

Mortgage broker or direct to a bank?

Should I use a mortgage broker or go direct to a bank? Which one is cheapest and who will give me the best, unbiased read-more

What does LVR mean?

What is LVR and how does it effect your ability to get a home loan?

Comparison Calculations

The calculations for Monthly Payment Amount and Annual Comparison rate are based on a principal amount of $250,000 and a term of 30 years. These figures take into account the Advertised Interest Rate, Upfront Fees and any Monthly Fees. We calculate these figures as it gives our users a better way to compare each loan. All figures are indicative for comparison purposes only, they do not constitute a quote. Users who are looking to enter into a mortgage contract should seek an exact quote from a mortgage broker or from the institution directly.