Key Features |
|
Interest rate |
1 year - 6.05% pa 4 2 year - 6.05% pa 4 3 year - 6.20% pa 4 4 year - 6.70% pa 4 5 year - 6.70% pa 4
|
Comparison |
1 year - 6.54 % pa 2 year - 6.49 % pa 3 year - 6.49% pa 4 year - 6.64 % pa 5 year - 6.64 % pa |
Loan amount 1 |
Maximum 95% of the valuation of the property |
Lender’s mortgage insurance 1 |
Required if loan amount exceeds 80% of the valuation of the property |
Benefits |
|
Security |
Enjoy the security of knowing your loan repayments will be set for the period of the fixed rate and not be susceptible to market changes. |
Fixed repayment amount |
Have the ease of mind knowing exactly what your commitment will be for the duration of the fixed rate period. |
Split loan |
Split your home loan into two by choosing to lock any proportion into a Fixed Rate and leave the remainder as any of our variable products. |
Family equity mortgages 2 |
A low cost way into the property market, with little or no deposit by using equity in the family home to avoid Lender’s Mortgage Insurance. Conditions apply. :: click here for more information |
Fees and Charges |
|
Ongoing fees |
Nil – Unicredit do not charge ongoing monthly or annual fees. |
Establishment fee 3 |
$200 once only |
Loan switching fees |
$175 |
Break fee |
Fixed loans are, of course, fixed in regard to both the term of the loan and the amount of repayments that can be made. Early repayment charges could apply on early termination during the fixed rate period. Click here to view how we calculate this break fee. |
Enjoy the security of knowing your loan repayments will be set for a fixed period and not subject to market changes. Interest rates can be fixed from 1 to 5 years and at the end of your fixed period you can choose to fix the rate for an additional period or roll your loan into the Classic Plus variable rate home loan.
Speak to a Lending Consultant –
- You can speak to a Lending Consultant Monday to Friday, 8.30am to 4.30pm by calling Unicredit on (08) 9389 1011 or email enquiries@unicredit.com.au.
- You can also make an appointment with a Lending Consultant to discuss your loan requirements anytime during office hours.
Home and contents insurance -
- Unicredit can provide you with a competitive quote for home and contents insurance.
- You can ask your Lending Consultant for a quote at any time, or indicate on your loan application for a quote to be provided.
Apply today –
Things you should know
All loan applications are subject to Unicredit's normal lending criteria. Fees and government charges apply, including settlement attendance, valuation fees and stamp duty charges. Please refer to our Fees and Charges Schedule, by clicking on the link below, collecting from any Unicredit branch or discuss with a Lending Consultant.
*Comparison rate is for a loan of $150,000 for a term of 25 years.
WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Calculations are based on a monthly repayment frequency.
Comparison Rate Schedules are available from any Unicredit branch, or can be downloaded by clicking on the link below.
- Home Loan Comparison Rate Schedule
- Personal Loan Comparison Rate Schedule
- Financial Hardship Assistance
- Credit Guide
1 Lender's Mortgage Insurance is applicable on all loans where the loan to valuation ratio (LVR) is greater than 80%. Unicredit will lend up to 95% LVR on all standard residential properties, however, will only lend up to 60% LVR on inner-city apartments.
2 Conditions apply. Family equity mortgages should be discussed with a lending officer by calling Unicredit on 9389 1011.
3 External fees such as government charges, settlement attendance and valuation fees apply. Please refer to our Fees and Charges Schedule.
4. The advertised / quoted fixed rate is an indicative interest rate only. The actual fixed rate is set at time of loan funding.
This is general advice only and does not take into account your
individual objectives, financial situation or needs ('your personal
circumstances'). Before using this advice to decide whether to purchase
this insurance policy, you should consider the appropriateness of
it having regard to your personal circumstances, plus obtain and
consider the current Product Disclosure Statement for the insurance
policy.
