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Introductory Home Loan (Variable)

Save from the start with a discounted variable rate

  • Intro rate available for the first 3 or 5 years
  • Offset Account and Free Redraw
  • Fee discounts on your linked accounts
Find out more

2.95% pa
3yr Variable Rate (up to 80%LVR)

3.82% pa
Comparison Rate

Enquire OnlineBook an Appointment

Introductory Home Loan (Fixed)

Peace of mind from the start with a fixed rate

  • Discounted fixed rate for the first 1, 2 or 3 years
  • Reduced interest rate on our Classic credit card
  • Fee discounts on your everyday account
Find out more

2.29% pa
1yr Fixed Rate (up to 80%LVR)

3.92% pa
Comparison Rate

Enquire OnlineBook an Appointment

Basic Home Loan

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.

  • Discounted interest rate 0.80% off the standard variable rate
  • Classic Credit Card with reduced rate for the life of the loan
  • Flexible repayment options
  • Loan redraw available with low fee
Find out more

4.27% pa
Variable Rate

4.42% pa
Comparison Rate

Enquire OnlineBook an Appointment

Dream Value Home Loan

All the bells and whistles of a home loan packaged up, and topped off with an ultimate discounted rate ranging from 1.24% to 1.89% off the standard variable mortgage rate, when repaying principle and interest.

  • For new business borrowings $150,000 and over
  • No establishment fee
  • Classic Credit card with discounted interest rate and no annual fee
  • 100% offset account available
  • Free redraw
  • $350 annual package fee
Find out more

2.79% pa
Variable Rate (up to 80%LVR)

3.16% pa
Comparison Rate

Enquire OnlineBook an Appointment

Fixed Rate Home Loan

Our 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
  • Free redraw facility
  • Fee discounts on your everyday account for life of the loan
  • Save with our Classic Credit Card, with a reduced interest rate for the life of your loan
Find out more

2.29% pa
 2 Year Fixed Rate

4.69% pa
Comparison Rate

Enquire OnlineBook an Appointment

Smart Home Loan

Our standard variable rate Smart Home Loan is a flexible home loan packed with smart features for purchasing or refinancing your home or investment property.

  • Borrow up to 95% of the purchase price subject to Lenders Mortgage Insurance approval
  • Free redraw facility
  • Enjoy fee discounts on your linked savings account for the life of your loan
  • 100% Offset Account available
  • Save with our Classic Credit card, with a reduced interest rate for the life of your loan
Find out more

5.07% pa
Variable Rate

5.21% pa
Comparison Rate

Enquire OnlineBook an Appointment

Land Loan

Start your dreams without the pressure to build immediately.

  • Borrow up to 90% of the value of your land subject to Lenders Mortgage Insurance requirements.
  • Start paying off your land loan while you plan the construction of your home
  • Obtain the same benefits for your land loan as you would for a Northern Inland Smart Home Loan based on the loan type selected.
Find out more
  Enquire OnlineBook an Appointment

Construction Loans

Northern Inland’s Construction Loan offers the competitive interest rates of our Smart Home Loans. Instead of drawing down your loan in full, your loan is repaid in progressive drawings under advice from your builder or on the production of invoices until completion of your building.

  • Borrow up to 95% of your house and land package subject to Lenders Mortgage Insurance requirements
  • Save on interest by drawing down your home loan progressively. You are only charged interest on the progressive drawn down loan balance
  • Interest only repayments during construction
Find out more
  Enquire OnlineBook an Appointment

First Home Buyer

Get a head start with your first home loan

  • No establishment fee (save $600)
  • Classic Credit card approved with a $2,000 limit and reduced interest rate
  • Choice of fixed or variable rate
  • Assistance with Gov't first home owner grants
Find out more
  Enquire OnlineBook an Appointment

Introductory Home Loan (Variable)

Save from the start with a discounted variable rate

  • Discounted variable rate for the first 3 years
  • Offset Account and Free Redraw
  • Fee discounts on your linked accounts
Find out more

3.93% pa
Variable Rate (up to 80%LVR)

3.94% pa
Comparison Rate

Enquire OnlineBook an Appointment

Introductory Home Loan (Fixed)

Peace of mind from the start with a fixed rate

  • Discounted fixed rate for the first 1, 2, or 3 years
  • Reduced interest rate on our Classic credit card
  • Fee discounts on your everyday account
Find out more

2.79% pa
1yr Fixed Rate (up to 80%LVR)

3.96% pa
Comparison Rate

Enquire OnlineBook an Appointment

Basic Home Loan

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.

  • Discounted interest rate 0.80% off the standard variable rate
  • Classic Credit Card with reduced rate for the life of the loan
  • Flexible repayment options
  • Loan redraw available
Find out more

4.27% pa
Variable Rate

4.42% pa
Comparison Rate

Enquire OnlineBook an Appointment

Dream Value Home Loan

All the bells and whistles from our current Home Loan Value Package, topped off with the ultimate discounted rate ranging from 1.24% to 1.89% off the investment standard variable mortgage rate, when repaying principle and interest.

  • For borrowings $150,000 and over
  • No establishment fee
  • Classic credit card with discounted interest rate and No Annual Fee
  • 100% offset account available
Find out more

3.18% pa
Variable Rate

3.54% pa
Comparison Rate

Enquire OnlineBook an Appointment

Fixed Rate Home Loan

Our fixed rate Smart Investment Home Loan is designed to provide you with security for your investment property. 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 investment variable rate.

  • Choose to fix your interest rate for 1 to 3 years
  • Peace of mind in knowing what your month-to-month repayments will be
  • Free redraw facility
  • Fee discounts on your everyday account for life of the loan
  • Save with our Classic credit card, with a reduced interest rate for the life of your loan
Find out more

2.99% pa
1 Year Fixed Rate

4.82% pa
Comparison Rate

Enquire OnlineBook an Appointment

Smart Home Loan

Our standard variable rate Smart Home Loan is a flexible home loan packed with smart features for purchasing or refinancing your 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 subject to Lenders Mortgage Insurance approval
  • Free redraw facility
  • Enjoy fee discounts on your linked savings account for the life of your loan
  • 100% Offset Account available
  • Save with our Classic Credit Card, with a reduced interest rate for the life of your loan
Find out more

5.07% pa
Variable Rate

5.21% pa
Comparison Rate

Enquire OnlineBook an Appointment

Land Loan

Start your dreams without the pressure to build immediately.

  • Borrow up to 90% of the value of your land subject to Lenders Mortgage Insurance requirements.
  • Start paying off your land loan while you plan the construction of your home
  • Obtain the same benefits for your land loan as you would for a Northern Inland Smart Home Loan based on the loan type selected.
Find out more
  Enquire OnlineBook an Appointment

Construction Loans

Northern Inland’s Construction Loan offers the competitive interest rates of our Smart Home Loans. Instead of drawing down your loan in full, your loan is repaid in progressive drawings under advice from your builder or on the production of invoices until completion of your building.

  • Borrow up to 95% of your house and land package subject to Lenders Mortgage Insurance requirements
  • Save on interest by drawing down your home loan progressively. You are only charged interest on the progressive drawn down loan balance
  • Interest only repayments during construction
Find out more
  Enquire OnlineBook an Appointment

First Home Buyer

Get a head start with your first home loan

  • No establishment fee (save $600)
  • Borrow up to 95% of the purchased price subject to Lenders Mortgage Insurance approval
  • Classic credit card approved with a $2,000 limit and reduced interest rate
  • Choice of fixed or variable rate
Find out more
  Enquire OnlineBook an Appointment

 


 

  Additional Product Information

Things you should know:

Credit criteria and fees and charges apply. Terms and Conditions are available on application. WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or 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. Northern Inland reserves the right to withdraw, extend or vary this offer.