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Mortgage Specialists for over 20 Years

Advantage Home Loan

This home loan is at a low rate of interest and comes with all the standard features you would expect in a home loan. It is not linked to an offset account.

Compare all our home loans including rates here


Unique Features of our Austral Standard Home Loan


Most lenders including the major banks require a rate lock fee to hold the fixed rate from the time your loan is approved until it settles.

Once in fixed rate the major banks generally do not allow you to make additional lump sum repayments of principal unless you pay a break cost penalty on the amount repaid.

Most lenders do not offer fixed rates or redraw during the construction period of a home (e.g. in house and land package purchases)and often seek a higher interest rate pending completion of the new home.

Most Lenders require a commitment from borrowers purchasing vacant residential land, to commence construction within 12 months. (Note: As a first home buyer you must commence construction within 12 months to qualify for a FHOG)

Need some guidance? 

Here's where you can get help to choose the right home loan

Compare the rates and features of all our home loans

Ask Vicky Mortgage Advice 

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