Owner Occupied Loans

Updated as at 25 October 2018


Variable Package Loan

  • Interest rate of 3.68% p.a.
  • Comparison rate of 4.00% p.a. 
  • Application fee of $0
  • Valuation fee of $0
  • Maximum LVR: 80%
  • Minimum borrowing: $150,000
  • Max borrowing: $499,999
  • Offset Account - 100%
  • Internet banking and credit card.

Basic Home Loan

  • Interest rate of 3.73% p.a.
  • Comparison rate of 3.76% p.a. 
  • Application fee of $500
  • Valuation fee of $0
  • Maximum LVR: 80% 
  • Minimum borrowing: $150,000
  • Max borrowing: $499,999
  • Internet banking and credit card.
* Special Offer Limited Time

Fixed Home Loan

  • Interest rate of 3.58% p.a.
  • Comparison rate of 4.71% p.a.
  • Fixed rate term of 1 year
  • Application fee of $499
  • Valuation fee of $0
  • Maximum LVR: 95%
  • Minimum borrowing: $50,000
  • Max borrowing: $2,000,000
  • Internet banking and credit card.

What to look for in a home loan

Everyone's circumstances differ, so the right home loan for you may be very different that someone else. There are, however, a number of key things to consider when looking for best home loans that everyone should consider:

Competitive rates

Chances are that if your current loan is more than two years old, you could be paying above the current interest rate. 

Devoting 15 minutes of your time to reviewing your home loan on an annual basis could save you thousands of dollars, or at the very least, offer you peace of mind that your existing home loan is still meeting your financial goals.

Learn more

Low fees and charges

Taking out a home loan is a long term committment, which is why it is imprtant that you don't lock yourself in to a range of ongoing fees that can add up to thousands of dollars over the life of a loan. Expect to pay some fees, but watch out for loans that charge fees in all areas such as:

  • Application
  • Discharge fee
  • Valuation fee
  • Settlement fees
  • Fees for additional payments or redraws

Don't pay for features you don't need

Added home loan features such as an off-set account or line of credit can offer borrowers more flexibility, but they can also add to the cost of your loan.

Talk to a mortgage broker to ensure you only pay for the features you need. 

Learn More

Get the full picture by speaking with a mortgage broker

As a mortgage broker, Collins Home Loans is in touch with the latest changes occurring in the industry and can seek out the best options to suit your particular needs. 

A Broker’s ability to keep up to date with product changes as well as match the product to the customer’s needs - is not what you will get when you go directly to a bank. 

Learn More

Find the right home loan with great advice from a Collins Home Loans mortgage broker.
 Speak to a mortgage broker