Fixed Rate Home Loan, Fixed Mortgage Rate -
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: Homepage >> Home Loan Products >> Fixed Rate Home Loan
Fixed Rate Home Loan
The Webdeal Fixed Rate Home Loan offers you the flexibility of choosing to fix
your home loan interest rate for 1, 2, 3, 4 or 5 years. This loan is fully
featured and comes to you with no monthly, annual or on-going fees.
The Webdeal Fixed Rate Loan could be great for you if you are:
- A home owner or investor wanting protection from changing interest rates;
- A home owner or investor seeking to combine a fixed and variable loan together;
- Looking for a better deal or consolidating expensive debt;
| Interest Rate | To be advise |
| Loan amounts | $50,000 to $2,000,000 (minimum of $25,000 in combination or split. (Over $2Mill available with special approval). |
| Interest rate type | 1 to 5 year Fixed rate. |
| Loan Term | 10 to 30 years. |
| Repayment type | Principal and Interest (amortizing) or Interest only up to 5 years. |
| Combination and splits | Can split up to 4 accounts (will consider more). Can combine with other products. |
| Repayment options | Direct Debit or Salary Crediting either monthly or fortnightly. Internet or telephone transfers from pre-nominated account for additional repayments. |
| Additional repayments | Maximum of $10,000 pa for fixed accounts without incurring break costs. |
| Redraw facility | Not available on Fixed Rate Loans. |
| Withdrawals | Not available on Fixed Rate Loans. |
| Salary crediting | Not available on Fixed Rate Loans. |
| Switching Loans | Can switch all or part of loan limit to another product. Automatically reverts to Advantage Rate Loan after Fixed Rate term. |
| Frequency of Statements | Quarterly |
| Deferred Establishment Fee | During year 1
1.00% of original loan amount During year 2 0.80% During year 3 0.60% During year 4 0.40% During year 5 0.20% Year 6 onward 0.00% |
| Other Fees | $595 Settlement fee. No monthly, annual, account keeping or on-going fees. Break Costs apply if loan is discharged within Fixed Rate term. |
| Substitution | Can substitute security within loan limit. |
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