Bank Products – BeliefMedia Finance & Mortgage Broker Digital Marketing

RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%

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Example Interest Rates: Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.44% (6.26%*) • Fixed: 5.44% (6.26%*) • Variable: 5.38% (6.14%*) • Investment IO: 5.69% (6.52%*) • Investment PI: 5.49% (5.98%*)

Commercial Loan

Commercial Term Loan requiring first mortgage security. Borrowers can choose from Interest Only, Principal and Interest, with variable and fixed rate options.

Category: Business Loans Last Updated May 22, 2024 Effective December 18, 2024

General Lending Rates

Rates listed below are for a FIXED P&I product. Additional Information Interest rate is only applicable for loans up to $1,500,000. Loans in excess of $1,500,000 are subject to negotiation

Interest Rate
6.60% PA

Comparison Rate
0.00%PA*

Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will usually vary based on the LVR and other conditions..

, VARIABLE, 7.10%

Lending Rate Type: Variable
Interest Rate: 7.10%, Comparison Rate 0.00%
Repayment Type: Principal And Interest
Loan Purpose:

, FIXED, 6.90%

Lending Rate Type: Fixed
Interest Rate: 6.90%, Comparison Rate 0.00%
Repayment Type: Interest Only
Loan Purpose:

, FIXED, 6.85%

Lending Rate Type: Fixed
Interest Rate: 6.85%, Comparison Rate 0.00%
Repayment Type: Principal And Interest
Loan Purpose:

, FIXED, 6.75%

Lending Rate Type: Fixed
Interest Rate: 6.75%, Comparison Rate 0.00%
Repayment Type: Interest Only
Loan Purpose:

, FIXED, 6.70%

Lending Rate Type: Fixed
Interest Rate: 6.70%, Comparison Rate 0.00%
Repayment Type: Principal And Interest
Loan Purpose:

, FIXED, 6.65%

Lending Rate Type: Fixed
Interest Rate: 6.65%, Comparison Rate 0.00%
Repayment Type: Interest Only
Loan Purpose:

, FIXED, 6.60%

Lending Rate Type: Fixed
Interest Rate: 6.60%, Comparison Rate 0.00%
Repayment Type: Principal And Interest
Loan Purpose:

, FIXED, 6.65%

Lending Rate Type: Fixed
Interest Rate: 6.65%, Comparison Rate 0.00%
Repayment Type: Interest Only
Loan Purpose:

, FIXED, 6.60%

Lending Rate Type: Fixed
Interest Rate: 6.60%, Comparison Rate 0.00%
Repayment Type: Principal And Interest
Loan Purpose:

, FIXED, 6.70%

Lending Rate Type: Fixed
Interest Rate: 6.70%, Comparison Rate 0.00%
Repayment Type: Interest Only
Loan Purpose:

, FIXED, 6.65%

Lending Rate Type: Fixed
Interest Rate: 6.65%, Comparison Rate 0.00%
Repayment Type: Principal And Interest
Loan Purpose:

Product Features

Other Additional Information: Limited annual reviews

Other Additional Information: No monthly fees

Other Additional Information: 7 Year Maximum Loan Term (interest Only)

Other Additional Information: 20 year Maximum Loan Term Principal & Interest

Redraw

Product Eligibility

Other Additional Information: Maximum LVR % - Commercial: 70%

Other Additional Information: Maximum LVR % - Specialised: 50%

Other Additional Information: Maximum LVR % - Industrial: 50%

Other Additional Information: Maximum LVR % - Rural: 40%

Other Additional Information: Maximum LVR % - Residential: 80%

Other Additional Information: Maximum LVR % - Light Industrial 70%

Bank Fees and Charges

Application Fee (Upfront), Amount: Not Listed.. Additional Information: 0.60% of loan amount/negotiable. Payable at acceptance of offer

Valuation Fee (Upfront), Amount: 0.000000. Additional Information: Cost dependent on circumstance. Payable upon completion of valuation

Security Documentation Fees (Upfront), Amount: 0.000000. Additional Information: Dependent on transaction complexity, solicitor used, state of security and more. Payable at loan drawdown

Discharge Administration Fee (Exit), Amount: 350.000000. Additional Information: $350, per request, per security. Payable with any partial or full release of security (applies to each security)

Early Repayment Fee (Exit), Amount: Not Listed.. Additional Information: Break cost are payable. These are calculated on a case by case basis.

Consent To Lease Fee (Event), Amount: 150.000000. Additional Information: $150, per request, per lease agreement.

Variations (Event), Amount: 150.000000. Additional Information: Variation to existing facility, $150 per event

Late Payment Charge (Event), Amount: 65.000000. Additional Information: Payable when your facility remains in arrears for more than 30 consecutive days.

Limitations & Restrictions (Constraints)

Min Limit of 100000.00

Max Limit of 20000000.00

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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]

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