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2.95% pa
Variable Rate
(LVR < 80%)

3.82% pa
Comparison Rate

Enquire OnlineBook an Appointment

Our introductory home loan offers a discounted variable rate for the first 3 or 5 years of your new mortgage. It’s packed with innovative features to help you save on your new home purchase or property refinance.

  • Choose a discounted variable rate for the first 3 or 5 years of your mortgage^
  • Offset Account and Free Redraw available
  • Enjoy fee discounts on your linked savings account for the life of your loan
  • Save with our Classic Visa, with a reduced interest rate for the life of your loan

3.43% pa
Variable Rate
(LVR < 80%)

3.94% pa
Comparison Rate

Enquire OnlineBook an Appointment

Our introductory home loan offers a discounted variable rate for the first 3 years of your new investment. It’s packed with innovative features to help you save on your new investment purchase or property refinance.

  • Enjoy a discounted variable rate for the first 3 years of your investment
  • Offset Account and Free Redraw available
  • Enjoy fee discounts on your linked savings account for the life of your loan
  • Save with our Classic Visa, with a reduced interest rate for the life of your loan

 



  Owner-Occupied Product Features:
Introductory Home Loan (Variable) - Owner Occupied
Interest Rates
Variable interest rate3.93% pa
Comparison rate3.82% pa
Variable introductory interest rate2.95% pa
Introductory rate term (years)3 
Interest ChargesCalculated daily, charged monthly1
Fees
Establishment fee$600 
Monthly fee$8 
Annual fee$0 
Redraw fee$0 
Features
Loan PeriodUp to 30 years
Minimum amount$150000 
Redraw facilityMinimum $500 per redraw 
Additional repayments acceptedYes 2
Visa Classic Credit Card available with reduced rate for the life of the loanYes 3
Branch / Online AccessYes
Smart Offset Account AvailableYes4
Included in Member Loyalty Program for fee rebate purposesYes 5

  Investment Product Features:
Introductory Home Loan (Variable) - Investment
Interest Rates
Variable interest rate3.93% pa
Comparison rate3.94% pa
Variable introductory interest rate3.43% pa
Introductory rate term (years)3 
Interest ChargesCalculated daily, charged monthly1
Fees
Establishment fee$600 
Monthly fee$8 
Annual fee$0 
Redraw fee$0 
Features
Loan PeriodUp to 30 years
Minimum amount$150000 
Redraw facilityMinimum $500 per redraw 
Additional repayments acceptedYes 2
Visa Classic Credit Card available with reduced rate for the life of the loanYes 3
Branch / Online AccessYes
Smart Offset Account AvailableYes4
Included in Member Loyalty Program for fee rebate purposesYes 5

 

  Additional Product Information:


 

Important Information:

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 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.

^ The Introductory Home Loan is for the first 3 or 5 years of the new mortgage, and then reverts to a discounted variable interest rate, being Standard Variable Rate less 1.14%. Loan can not be rolled over to Dream Home Loan Package. For new business only

1 This rate applies to loans with 25 year terms for $150,000 for owner occupied mortgages only.

2 Make extra repayments totaling up to $10,000 over 12 months (as 2 x $5,000 lump sums) during any fixed rate period

3 Home Loan Rewards Classic Credit Card discounted rate applies for the life of the Home Loan, when loan and credit facility are not in arrears. Northern Inland reserves the right to withdraw, extend or vary this offer.

4 Eligible variable and fixed rate Home Loans only. Northern Inland reserves the right to withdraw, extend or vary this offer.

5 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 are payable by the Member.