Home Loan +

Home Loan
A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to raise money to buy the property to be purchased or by existing property owners to raise funds for any purpose. The loan is "secured" on the borrower's property. This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a "law French" term used by English lawyers in the middle ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.
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Variable Rate Home Loan 5.69% p.a. (CR 5.72% p.a.) LVR upto 60% and P&I Repayments + 0.3% Broker Cashback @ Beyond Bank

expired Variable Rate Home Loan 5.69% p.a. (CR 5.72% p.a.) LVR upto 60% and P&I Repayments + 0.3% Broker Cashback @ Beyond Bank

Hello Ozbargainers, Purple Basic Variable is beyond bank's no frills product. So does not come with offset. Refer to this link to check rates for LVRs higher than 60%. The Purple Basic …

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CommBank Yello: Get $10/Mo Cashback on Some Home Insurance Policies, $4/Mo Cashback on Home Loan Package + Personalised Offers

Long Running CommBank Yello: Get $10/Mo Cashback on Some Home Insurance Policies, $4/Mo Cashback on Home Loan Package + Personalised Offers

Hi All, I came across this tonight available to CBA customers through the CBA app. Rewards vary, does include discounted Binge and Uber One subscriptions, personalised property trend reports, and …

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Virgin Variable Rate Home Loan from 5.79% (5.94% CR) under 60% LVR for Loan over $500,000 @ Virgin Money

expired Virgin Variable Rate Home Loan from 5.79% (5.94% CR) under 60% LVR for Loan over $500,000 @ Virgin Money

Looking for a low variable home loan interest rate with an offset account. Virgin Money is worth considering who charges $10pm for an offset facility. Rates highlight: Owner occupied P&I with …

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$3,000 First Home Buyer Bonus Rebate (Min Loan $250,000 & LVR <= 80%) @ ANZ

expired $3,000 First Home Buyer Bonus Rebate (Min Loan $250,000 & LVR <= 80%) @ ANZ

Hello All Ozbargainers ANZ have just advised extend new PURCHASE rebate for first home buyer. Summary of the Eligibility Criteria: Drawdown - Drawdown within 180 days from Apply date Loan Purpose - …

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5.59% p.a. Variable Rate Home Loan, LVR <80% (CR 5.50% p.a.) @ Unloan

expired 5.59% p.a. Variable Rate Home Loan, LVR <80% (CR 5.50% p.a.) @ Unloan

Just submitted an application for refinance. After a collecting $4k cash back from a different lender will probably leave the loan here for now. 5.59% Variable Rate for LVR <80% (CR 5.50%) …

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Variable Rate Home Loan 5.74% p.a. (CR 5.76% p.a.), up to 60% LVR @ ubank

expired Variable Rate Home Loan 5.74% p.a. (CR 5.76% p.a.), up to 60% LVR @ ubank

Hello Ozbargainers, This product(ubank Neat Variable Home Loan) might not be suitable to everyone but a good option to consider if you are after a variable rate home loan with minimal fees. …

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Up to $5500 Cash Back for Every Settled Home Loan over $250,000 @ Nextgen Finance Co

expired Up to $5500 Cash Back for Every Settled Home Loan over $250,000 @ Nextgen Finance Co

Refinance with us to get a better interest rate and save money. Get in touch for special broker discounts I can obtain for you. Up to $1500 cashback from Nextgen Finance Co, this deal includes …

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$4288 Home Loan Refinance Cashback, Offset Variable Rate from 5.58% (CR 5.96%), 2-Yr Fixed from 5.79% (CR 7.83%) @ Bank of China

expired $4288 Home Loan Refinance Cashback, Offset Variable Rate from 5.58% (CR 5.96%), 2-Yr Fixed from 5.79% (CR 7.83%) @ Bank of China

Hello OzBargainers, Hope you're all doing well. Bank of China has amended their home loan interest rate offers but still ultra competitive, and they're still offering $4288 cashback for …

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[SA, VIC, TAS] 12 Month Zap Gym Membership with Every Home Loan Refinance (Min $500,000 Loan) @ Moss Mortgage and Finance

expired [SA, VIC, TAS] 12 Month Zap Gym Membership with Every Home Loan Refinance (Min $500,000 Loan) @ Moss Mortgage and Finance

Dear OzBargainers Hope this post finds you well Moss Mortgage and Finance, have an offer to keep you and your mortgage fit. A Gift of One Complementary Zap fitness 12 month home Gym membership …

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$2,000 Home Loan Refinance Cashback (Min $200,000 Loan), 5.94% Basic Variable Rate (CR 5.95%) @ BankSA

expired $2,000 Home Loan Refinance Cashback (Min $200,000 Loan), 5.94% Basic Variable Rate (CR 5.95%) @ BankSA

Hello OzBargainers, Happy Sunday! There are not many home loan refinance cashback options now, BankSA is one of the few survivors! Why choose BankSA? Minimum loan amount only $200k! Streamlined …

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Earn up to 500,000 Velocity Points with New Home Loan from a Partner Lender @ Canstar

expired Earn up to 500,000 Velocity Points with New Home Loan from a Partner Lender @ Canstar

Canstar offering up to 500,000 velocity points if you use their portal to connect to a mortgage broker or lender: Earn 125k points: For drawing down a qualifying amount of at least $500K by …

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[VIC, SA] Up to $4000 Cashback with IMB Home Loan Refinance - 2 Years Fixed Rate from 5.49% (CR 6.12%, O/O) @ IMB

expired [VIC, SA] Up to $4000 Cashback with IMB Home Loan Refinance - 2 Years Fixed Rate from 5.49% (CR 6.12%, O/O) @ IMB

Hello All Ozbargainers ONLY FOR VIC & SA Clients. The fixed rates are due to increase next Tuesday IMB $4000 cashback offer until the end of July and is one of the last few banks that offer …

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Bank of Melbourne $2000 Refinance Cashback (Min $250,000 Loan, EXPIRED) + 0.60% Broker Cashback (No Cap) @ Bank of Melbourne

expired Bank of Melbourne $2000 Refinance Cashback (Min $250,000 Loan, EXPIRED) + 0.60% Broker Cashback (No Cap) @ Bank of Melbourne

Dear OzBargainers, Hope this post finds everyone well. Bank of Melbourne has extended its refinance cashback offer until 31/08/2023. Please see the breakdown below: $2,000 cashback for a new …

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Up to $10,000 Broker Cashback on Refinance or Property Purchase @ Fairlane Finance

expired Up to $10,000 Broker Cashback on Refinance or Property Purchase @ Fairlane Finance

Hello OzBargainers, Are you paying too much on your home loan? Our panel of lenders could help save you money with highly competitive rates, and potential LENDER cashback incentives of $1,000 to …

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ANZ Home Refinances - $4,000 Cashback on LVR<80%, Min Loan $250,000, Fixed Rate from 5.99% (CR 6.79%, Owner Occupied P&I 2-Year)

expired ANZ Home Refinances - $4,000 Cashback on LVR<80%, Min Loan $250,000, Fixed Rate from 5.99% (CR 6.79%, Owner Occupied P&I 2-Year)

Hello All Ozbargainers ANZ has extend their $4000 cashback offer pas the end of June and is one of the last few banks that offer cashback for a limited time only. These are the latest rates …

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ME Bank Refinance up to $4000 Cashback, Minimum Loan $250,000 - and LVR up to 80%

expired ME Bank Refinance up to $4000 Cashback, Minimum Loan $250,000 - and LVR up to 80%

A lot of banks are removing their cashback and only a handful banks are retaining their cashback at this stage. Rates are recently on upward trajectory as RBA is desperately curbing inflation to …

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BOQ $3000 Refinance Cashback (Min $250,000 Loan) + 0.60% Mortgage Broker Cashback (No Cap) @ BOQ

expired BOQ $3000 Refinance Cashback (Min $250,000 Loan) + 0.60% Mortgage Broker Cashback (No Cap) @ BOQ

Dear OzBargainers, Hope this post finds everyone well. Fortunately, despite the majority of banks discontinuing their cashback offers from 30/06/2023, I'm delighted to inform you that there …

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$4288 Home Loan Refinance Cashback, Offset Variable Rate from 5.43% (CR 5.81%), 2-Yr Fixed from 5.79% (CR 7.83%) @ Bank of China

expired $4288 Home Loan Refinance Cashback, Offset Variable Rate from 5.43% (CR 5.81%), 2-Yr Fixed from 5.79% (CR 7.83%) @ Bank of China

Hello OzBargainers, Hope you're all doing well. Bank of China has extended their cashback offer until the end of September, and is offering super competitive deals, whether you want variable …

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Connective Essentials Home Loan (by NAB) Fixed Rate from 5.39% (CR 5.64%, Owner Occupied P&I 3-Year) @ Connective Home Loans

expired Connective Essentials Home Loan (by NAB) Fixed Rate from 5.39% (CR 5.64%, Owner Occupied P&I 3-Year) @ Connective Home Loans

Hello All Ozbargainers Please note these are the latest rates including the June rate increase. Please note that we expect these fixed rates to increase this week so we will need to lodged this …

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Home Loan Fixed Rate from 5.84% (CR 6.64%, Owner Occupied P&I 3-Year) with 100% Offset Account @ Adelaide Bank

expired Home Loan Fixed Rate from 5.84% (CR 6.64%, Owner Occupied P&I 3-Year) with 100% Offset Account @ Adelaide Bank

Hello OzBargainers, Sick of variable rates keep creeping up, month after month? Adelaide Bank has a very good fixed rate at the moment, and they also offer 100% offset account for their SmartFix …