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Home and Investment Loans

We understand that buying a home is probably the most important, and expensive purchase you'll ever make. Northern Inland has designed hassle-free Smart Home Loans to make this venture even easier for you. Whether you are a first home buyer, next home buyer, investing in property or refinancing your existing home loan, Northern Inland can help you.

Want a bit of everything? View our Home Loan Packages page to see all of our smart features, and more, rolled into one.

Smart Home Loan - Honeymoon Rate 

A Honeymoon rate Smart Home Loan allows you to settle into life with a mortgage and get started with a low fixed 12, 24 or 36 month introductory rate. This fixed interest rate provides you with the security of knowing what your repayments will be, and still allowing you to budget for those extra expenses which may pop up unexpectedly.

  • Gives you the choice of a honeymoon rate fixed for the first 1 to 3 years of your loan
  • Enjoy fee discounts on your linked savings account for the life of your loan
  • No ongoing fees
  • Free redraw facility, to access a minimum $500 from your loan repayments in advance 
 4.49% pa2
 1yr fixed interest rate

 5.87% pa2
comparison rate

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Loan Smart Honeymoon Home Loan
Minimum Amount $20,000
Loan Period Up to 30 years
Borrow up to 95% of the purchase price* Yes
Flexible weekly, fortnightly and monthly repayment options Yes
Interest Charges Calculated daily, charged monthly
Establishment Fee $600
Visa Credit Card with a $2000 limit and reduced interest rate# Yes
Suitable for first home buyers, home owners and investors Yes
No transaction fees for the life of the Loan# Yes
No monthly loan service fees Yes
Additional Repayments** Yes
Loan Repayment Insurance available Yes
Free Redraw facility Yes (conditions apply)
Top up facility available Yes - no minimum amount
Smart Offset Account available## No
View our Interest Rates  

* Lenders Mortgage Insurance required for borrowings over 80%
** Make extra repayments totalling $10,000 over 12 months (2 x $5,000 lump sums). During the standard variable rate period redraw minimum is $500.
## Eligible variable rate Home Loans only
# Personal Memberships only. Home Loan Rewards applies only to access methods listed in the ‘Rebated Transactions & Services’ section of the PFS Fees & Charges and Member Loyalty Program as amended from time to time. All other fees and charges are not rebated and will be payable by the Member. Home Loan Rewards Visa Credit Card discounted rate applies for the life of the Home Loan. The home loan account must not be in arrears or in default of the terms and conditions of the loan.  
Credit criteria and fees and charges apply. Terms and Conditions are available on application. For new business only.

Smart Home Loan - Variable Rate 

A variable rate Smart Home Loan is a flexible home loan packed with smart features for purchasing or refinancing a home or investment property. You can even borrow to build your dream home or make major home improvements.

  • Borrow up to 95% of the purchase price*
  • Enjoy fee discounts on your linked savings account for the life of your loan
  • Optional Offset Account available
  • Free redraw facility, to access a minimum $500 from your loan repayments in advance

 5.98% pa1
 interest rate

 6.03% pa1
comparison rate

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  More Info
Loan Smart Variable Home Loan
Minimum Amount $20,000
Loan Period Up to 30 years
Borrow up to 95% of the purchase price* Yes
Flexible weekly, fortnightly and monthly repayment options Yes
Interest Charges Calculated daily, charged monthly
Establishment Fee $600
Visa Credit Card with a $2000 limit and reduced interest rate# Yes
Suitable for first home buyers, home owners and investors Yes
No transaction fees for the life of the Loan# Yes
No monthly loan service fees Yes
Additional Repayments Yes
Loan Repayment Insurance available Yes
Free Redraw facility Yes (min. $500)
Top up facility available Yes - no minimum amount
Smart Offset Account available## Yes
Split (fixed and variable) loan rate options available Yes
View our Interest Rates  

* Lenders Mortgage Insurance required for borrowings over 80%

## Eligible variable rate Home Loans only
# Personal Memberships only. The home loan account must not be in arrears or in default of the terms and conditions of the loan. Home Loan Rewards applies only to access methods listed in the ‘Rebated Transactions & Services’ section of the PFS Fees & Charges and Member Loyalty Program as amended from time to time. All other fees and charges are not rebated and will be payable by the Member. Home Loan Rewards Visa Credit Card discounted rate applies for the life of the Home Loan.Credit criteria and fees and charges apply. Terms and Conditions are available on application.  

Basic Home Loan - Variable Rate

A Basic Home Loan is designed for home buyers and investors who want a simple loan with no-frills and a low variable interest rate for borrowings over $150,000.

  • Discounted variable interest rate#
  • Borrow up to 95% of the purchased price*
  • Visa Credit Card available at discounted rate

 5.18% pa1
interest rate

 5.33% pa1
comparison rate

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  More Info
Loan Basic Home Loan - discounted variable rate
Minimum Amount $150,000
Loan Period Up to 30 years
Borrow up to 95% of the purchase price* Yes
Flexible weekly, fortnightly and monthly repayment options Yes
Interest Charges Calculated daily, charged monthly
Establishment Fee $500
Monthly loan service fees $10
Additional Repayments Yes
Loan Repayment Insurance available Yes
Redraw facility (min.$500) Yes -$10 Online/PhoneBanking, $20 in branch
Top up facility available Yes - no minimum amount
Smart Offset Account available No
Split (fixed and variable) loan rate options available No
Included in Member Loyalty Program for fee rebate purposes No
View our Interest Rates  

# Personal Memberships only.Discounted Variable rate applicable for the life of the loan if not in arrears or in default of the loans terms & conditions.Home Loan Rewards Visa Credit Card discounted rate applies for the life of the Home Loan.Credit criteria and fees and charges apply. Terms and Conditions are available on application.

* Lenders Mortgages Insurance required for borrowings over 80% 

Smart Home Loan - Fixed Rate 

A fixed rate Smart Home Loan is designed to provide you with security. Enjoy the peace of mind knowing that your regular monthly repayments are set over a period of time that suits you. After the fixed rate period your interest rate reverts to the standard variable rate.

  • Choose to fix your interest rate for 1 to 5 years
  • Peace of mind in knowing what your month-to-month repayments will be
  • No ongoing fees
  • Free redraw facility, to access a minimum $500 from your loan repayments in advance
 4.94% pa2
 1yr fixed interest rate

 5.92% pa2
comparison rate

HLKFS

Apply

  More Info
Loan Smart Fixed Home Loan
Minimum Amount $20,000
Loan Period Up to 30 years
Borrow up to 95% of the purchase price* Yes
Flexible weekly, fortnightly and monthly repayment options Yes
Interest Charges Calculated daily, charged monthly
Establishment Fee $600
Visa Credit Card with a $2000 limit and a reduced interest rate# Yes
Suitable for first home buyers, home owners and investors Yes
No transaction fees for the life of the Loan# Yes
No monthly loan service fees Yes
Additional Repayments** Yes
Loan Repayment Insurance available Yes
Free Redraw facility Yes (conditions apply)
Top up facility available Yes - no minimum amount
Smart Offset Account available## No
Split (fixed and variable) loan rate options available Yes
View our Interest Rates  

* Lenders Mortgage Insurance required for borrowings over 80%
** Make extra repayments totalling $10,000 over 12 months (2 x $5,000 lump sums). During the standard variable rate period redraw is $500.
# Eligible variable rate Home Loans only
# Personal Memberships only. The home loan account must not be in arrears or in default of the terms and conditions of the loan. Home Loan Rewards applies only to access methods listed in the ‘Rebated Transactions & Services’ section of the PFS Fees & Charges and Member Loyalty Program as amended from time to time. All other fees and charges are not rebated and will be payable by the Member. Home Loan Rewards Visa Credit Card discounted rate applies for the life of the Home Loan
Credit criteria and fees and charges apply. Terms and Conditions are available on application.

Smart Home Loan - Split Rate 

A split rate Smart Home Loan allows you to enjoy the best of both worlds. A split rate combines the security of fixing a portion of your loan with the freedom to pay extra and reduce the overall life of your loan with a variable portion.

  • Fix a portion of your Home Loan while maintaining the balance of your loan on a variable rate
  • Have the peace of mind knowing what your month-to-month repayments will be while still enjoying the benefits of a variable interest rate loan
  • Free redraw facility, to access a minimum $500 from your loan repayments in advance
See fixed and variable loan rate option information for full details.

HLKFS

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Questions?

If you have any questions, please contact us Enquire

1 - This rate applies to loans with 25 year terms for $150,000.
2 - This rate applies to 1 year fixed loans with 25 year terms for $150,000. Honeymoon rate loan available for new housing business only and excludes refinance of existing Northern Inland Home Loans.
Credit criteria and fees and charges apply. Terms and Conditions are available on application. These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. All Home Loan products available for a limited time only. Offers may be withdrawn at any time.

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