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%*)

Investment Home Loan-Package

Our Ultimate Home Loan Package bundles together your home loan, an everyday account & our low rate credit card. Establishment fee waivers on personal loans, no annual fee on a visa credit card, access to discounted general insurance under our package.

Category: Home Loans Last Updated December 11, 2024 Effective December 18, 2024

General Lending Rates

Rates listed below are for a FIXED INVESTMENT P&I product. Additional Information Special 2 Year Fixed Package Rate (<80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.3% discount off the Standard Variable Rate.

Interest Rate
5.79% PA

Comparison Rate
6.66%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..

INVESTMENT, FIXED, 6.29%

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.34%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, FIXED, 6.09%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 8.11%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, FIXED, 6.29%

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.15%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, FIXED, 6.09%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 7.92%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, FIXED, 6.29%

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 7.97%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, FIXED, 6.09%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.75%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, FIXED, 6.29%

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 6.94%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, FIXED, 5.79%

Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 6.66%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, FIXED, 5.99%

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.85%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, VARIABLE, 6.09%

Lending Rate Type: Variable
Interest Rate: 6.09%, Comparison Rate 6.44%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, VARIABLE, 6.09%

Lending Rate Type: Variable
Interest Rate: 6.09%, Comparison Rate 6.44%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, VARIABLE, 8.24%

Lending Rate Type: Variable
Interest Rate: 8.24%, Comparison Rate 8.56%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Product Features

Digital Banking

Offset

Other Additional Information: Discounted variable or fixed interest rate on residential investment loans.

Other Additional Information: Payments can be arranged weekly, fortnightly or monthly.

Other Additional Information: Loan Terms up to 30 Years.

Other Additional Information: 10% discount on home and contents insurance through our insurance partner for the first year.

Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI) or up to 90% where LMI is approved

Other Additional Information: Home Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.

Other Additional Information: Personal Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.

Redraw

Product Eligibility

Min Age - 18.

Natural Person

Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI) or 90% (investment) where LMI is approved.

Residency Status - Loans Are Available To Members Of The Bank Who Are Permanent Residents Of Australia And Currently Live In Australia..

Bank Fees and Charges

Package Fee (Periodic), Amount: 395.00. Additional Information: Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date. If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged.

Lenders Mortgage Insurance (Variable), Amount: 0.00. Additional Information: Charging on Origination

Mortgage Settlement Fee (Event), Amount: 450.00. Additional Information: Payable on payout of your mortgage loan to prepare the release of mortgage - waived if paid out due to sale or with own funds

In Branch Redraw Fee (Event), Amount: 8.00.

Online Redraw Fee (Event), Amount: 0.00.

Other Credit Fees (Event), Amount: 0.00. Additional Information: Refer to our Fees and Charges brochure for information on other fees and charged which may apply.

Arrears Letter Fee - Second Arrears Letter (Event), Amount: 40.00.

Arrears Letter Fee - Default Notice Prior To Enforcement (Event), Amount: 70.00.

Early Repayment Fee (Variable), Amount: 0.00. Additional Information: Charged on Fixed Loans. Payable when breaking your fixed rate period. Refer to your Credit Contract for more details.

Rate Lock Fee (Event), Amount: 350.00. Additional Information: Charged when opting to lock in an approved fixed rate, for a term of up to 90 days

Limitations & Restrictions (Constraints)

Min Limit of 100000.00 Additional Information: Available where total borrowings from the Bank are $100,000 and over.

Document Downloads

brochure-account-access-facility.pdf (203.0 KB)

brochure-fees-charges.pdf (661.7 KB)

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Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.

Timezone: 1 · [ CHANGE ]

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Like this mortgage product?

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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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