Mortgages

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Last Updated Monday, July 6, 2020 - 11:05pm

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47947
Variable
Upfront Fees

$0

Advertised Rate (p.a.)

3.40%

Comparison Rate (p.a.)

3.40%

LVR

-

Representative example: The advertised rate is 3.40%, 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 $1,108.70 and you will pay $399,133.11 in total over the life of the mortgage

56453
Floating - Standard
Upfront Fees

$350

Advertised Rate (p.a.)

4.40%

Comparison Rate (p.a.)

4.41%

LVR

-

Representative example: The advertised rate is 4.40%, so if you borrow $250,000 over 30 years you will pay $350 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,253.65 and you will pay $451,315.78 in total over the life of the mortgage

53831
Residential Floating Rate
Upfront Fees

$400

Advertised Rate (p.a.)

4.54%

Comparison Rate (p.a.)

4.55%

LVR

-

Representative example: The advertised rate is 4.54%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,274.70 and you will pay $458,891.36 in total over the life of the mortgage

These rates are only available for Residential and Residential Investing Lending with either a minimum of 20% equity (or greater when Residential Investing lending restrictions apply), First Home Loan, or lending where QBE lenders mortgage insurance applies.

47981
Choices Floating
Upfront Fees

$400

Advertised Rate (p.a.)

4.59%

Comparison Rate (p.a.)

4.60%

LVR

-

Representative example: The advertised rate is 4.59%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,282.17 and you will pay $461,579.57 in total over the life of the mortgage

Salary credit to a Westpac transaction account required. 

47982
Choices Everyday Floating
Upfront Fees

$400

Advertised Rate (p.a.)

4.69%

Comparison Rate (p.a.)

4.77%

LVR

-

Representative example: The advertised rate is 4.69%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and $9.95 in Monthly Fees. Your monthly repayment amount will be $1,307.11 and you will pay $470,561.21 in total over the life of the mortgage

47990
Floating
Upfront Fees

$500

Advertised Rate (p.a.)

5.65%

Comparison Rate (p.a.)

5.67%

LVR

-

Representative example: The advertised rate is 5.65%, so if you borrow $250,000 over 30 years you will pay $500 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,445.98 and you will pay $520,551.24 in total over the life of the mortgage

49006
Revolving credit
Upfront Fees

$0

Advertised Rate (p.a.)

3.45%

Comparison Rate (p.a.)

3.45%

LVR

-

Representative example: The advertised rate is 3.45%, 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 $1,115.65 and you will pay $401,632.47 in total over the life of the mortgage

47956
Offset mortgage
Upfront Fees

$0

Advertised Rate (p.a.)

3.40%

Comparison Rate (p.a.)

3.40%

LVR

-

Representative example: The advertised rate is 3.40%, 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 $1,108.70 and you will pay $399,133.11 in total over the life of the mortgage

47983
Choices Offset Floating
Upfront Fees

$400

Advertised Rate (p.a.)

4.59%

Comparison Rate (p.a.)

4.67%

LVR

-

Representative example: The advertised rate is 4.59%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and $10 in Monthly Fees. Your monthly repayment amount will be $1,292.17 and you will pay $465,179.57 in total over the life of the mortgage

Salary credit to a Westpac transaction account required. 

56443
Fixed - 18 months - Standard
Upfront Fees

$350

Advertised Rate (p.a.)

3.29%

Comparison Rate (p.a.)

3.30%

LVR

-

Representative example: The advertised rate is 3.29%, so if you borrow $250,000 over 30 years you will pay $350 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,095.04 and you will pay $394,215.34 in total over the life of the mortgage

47888
18 months
Upfront Fees

$400

Advertised Rate (p.a.)

3.29%

Comparison Rate (p.a.)

3.30%

LVR

-

Representative example: The advertised rate is 3.29%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,095.26 and you will pay $394,294.08 in total over the life of the mortgage

These rates are only available for Residential and Residential Investing Lending with either a minimum of 20% equity (or greater when Residential Investing lending restrictions apply), First Home Loan, or lending where QBE lenders mortgage insurance applies.

47869
18 Months Fixed
Upfront Fees

$250

Advertised Rate (p.a.)

3.49%

Comparison Rate (p.a.)

3.50%

LVR

-

Representative example: The advertised rate is 3.49%, so if you borrow $250,000 over 30 years you will pay $250 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,122.34 and you will pay $404,041.64 in total over the life of the mortgage

You can make extra payments up to $10,000.00 per calendar year.

47898
Choices Fixed 18 months
Upfront Fees

$400

Advertised Rate (p.a.)

4.25%

Comparison Rate (p.a.)

4.26%

LVR

-

Representative example: The advertised rate is 4.25%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,231.82 and you will pay $443,454.30 in total over the life of the mortgage

47910
18 months
Upfront Fees

$500

Advertised Rate (p.a.)

4.75%

Comparison Rate (p.a.)

4.77%

LVR

-

Representative example: The advertised rate is 4.75%, so if you borrow $250,000 over 30 years you will pay $500 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,306.73 and you will pay $470,421.57 in total over the life of the mortgage

56445
Fixed - 2 years - Standard
Upfront Fees

$350

Advertised Rate (p.a.)

3.29%

Comparison Rate (p.a.)

3.30%

LVR

-

Representative example: The advertised rate is 3.29%, so if you borrow $250,000 over 30 years you will pay $350 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,095.04 and you will pay $394,215.34 in total over the life of the mortgage

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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.

 

The Annual Comparison Rate (APR) takes into account the Advertised Interest Rate, Upfront Fees and any Monthly Fees. We calculate this as it gives our users a better way to compare each loan.