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MY HOME LOAN TYPE GUIDE

Introductory Rate Home Loan:

This type of facility is not as flexible as other structures. It may be used for investment property loans and owner occupation type loans. This type of loan offers the lowest interest rate (guaranteed) for at least the first 12 months to help you make the lowest repayments in the first year. Usually reverts to or rolls over into the Variable Rate Loan at the end of the first year.

The facility can accept additional repayments at any time. Once you lock into the introduction rate it is not subject to economic conditions or changes in interest rates. Usually reverts to or rolls over into the Variable Rate Loan at the end of the first year. It may also be rolled over into a Fixed Term Interest Rate Loan upon the maturity of the first 12 months. There are usually break costs associated with this product if repaid earlier that the first 12 months.


Disclaimer: The above is a generic representation only. It does not constitute financial advice or mortgage structuring advice. It is only to be used as a guide only. Please discuss your financial needs with a financial planner, accountant or your banking representative.

No reliance should be placed on the above information.

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