‘100% Offset’ Articles at Sydney Mortgage Brokers MortgageCorp

admin — Mon, 14 Sep 2009 02:21:57 +0000

How do ANZ Fixed Rate Home Loans (in a Company name) work for you?

The ANZ Fixed Rate Home Loan (in a Company name) is designed for the purchase of a home loan for personal use, where the borrowing may be required in the Company or Trust name. The home would be for the use of the directors of the Company or Beneficiaries of the Trust.
With an ANZ Fixed Rate Home Loan (in a Company name) you have certainty that the loan repayments remain the same for a period of time. As day to day life can be unpredictable, it’s sometimes nice to know that the access to a stable interest rate exists. That means that whatever happens with interest rates, the interest rate and therefore the repayments on your ANZ Fixed Rate Home Loan (in a Company name) will remain the same. This helps make planning a little easier.

You can even make additional repayments up to a set tolerance* each year of the fixed interest rate period, without triggering an early repayment calculation.

Lock Rate Option
With an ANZ Fixed Rate Home Loan (in a Company name) the interest rate that will apply is the rate for the term you select as at the day you settle your loan. However, if you would like to ‘lock in’ the interest rate current at the time you apply you can do this with ANZ Lock Rate. By paying a Lock Rate fee, the rate is ‘locked in’ for up to ninety days, protecting you from the potential risk of interest rates increasing before you drawdown your loan. Lock Rate gives the extra security of knowing exactly what your repayments will be for a set period.

ANZ Fixed Rate Home Loan (in a Company name)

Interest Rate
For the latest Interest Rates, visit our Mortgage Calulator
Term
As above for fixed interest rate period. Total loan term up to 30 years.

Lock Rate
Yes, Lock Rate is available on the 1-5 Year Fixed Rate Home Loan (in a Company name), maximum loan amount $1,000,000.
Lock Rate fee applies.

Fees and charges
Fees and Charges may apply. Please ask for ANZ’s Small Banking Fees and Charges brochure for details of current fees.

Repayment frequency
Weekly, fortnightly or monthly.
Interest only up to 10 years is available. The Interest Only Period must equal the fixed interest rate period selected.

Additional Repayments
Additional repayments can be made up to a set amount known as a tolerance*. Early Repayment Cost and Fee may apply for additional repayments made above the tolerance amount.

Repayment source
Repayments can be made by Direct Loan Repayment (DLP)

100% Mortgage Offset
Available on ANZ One Year Fixed Rate Home Loan (in a Company name) – with ANZ Business Mortgage Loan Offset Account

Loan to Value Ratio
Up to 90% with Lenders Mortgage Insurance

Minimum loan amount
$20,000
Terms and conditions available on application. Fees and charges are payable.

ANZ Fixed Rate Home Loan in a Company name is a post from: Sydney Mortgage Brokers MortgageCorp

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‘100% Offset’ Articles at Sydney Mortgage Brokers MortgageCorp

admin — Fri, 11 Sep 2009 04:57:13 +0000

How does the ANZ Standard Variable Rate Home Loan work for you?
This is the most versatile of all ANZ Home Loans. The ANZ Standard Variable Rate Home Loan is designed for people who need flexibility. This home loan comes with a number of features that can help accommodate changes in your circumstances.
Flexible repayments
An ANZ Standard Variable Rate Home Loan provides you with a choice of flexible repayment options. You can pay weekly, fortnightly or monthly, enabling you to organise repayments to suit your needs. And you can make additional repayments whenever you wish.
ANZ Offset Accounts
Even better than making extra repayments direct to your Home Loan is making them to a linked ANZ Offset account. Instead of making extra repayments direct to your Home loan, consider making them to a linked ANZ One account. This account provides 100% mortgage offset on your linked loan, but you can access your funds anytime.
Please refer to the ANZ One Fact Sheet for more information.
Redraw
If you make additional repayments to your ANZ Standard Variable Rate Home Loan you may redraw these funds for your future needs. You may be considering renovating, purchasing a new car or even wishing to go on that dream holiday. With redraw on your loan you have access to these advance payments without having to go through another loan application process.
To be eligible for redraw ensure you register at your home loan application interview.
Fee free transaction banking on linked account*
As a Variable Rate Residential Investment Loan customer, you have the option of an ANZ Access Advantage account that is free of monthly service and ANZ transaction fees.
ANZ Rapid Refinance. Why wait?
Has an ANZ loan caught your eye? ANZ Rapid Refinance# allows you to quickly switch your current loan to ANZ in only a matter of weeks. So, you will benefit from your refinance plans far quicker than usual.

Money magazine’s Home Loan Lender of the Year 2008, 2007, 2006 and 2005.

Interest Rate
For the latest Interest Rates, visit our Mortgage Calculator, call 02 8014 288
Term
Up to 30 years
Fees and Charges
Fees and Charges may apply. Refer to ANZ’s Personal Banking Fees and Charges brochure for details of current fees.
Repayment frequency
Weekly, fortnightly or monthly
Interest only up to 10 years is available
Additional repayments
Additional repayments can be made at any time
Repayment Source
Repayments can be made by Direct Loan Payment (DLP) from a listed ANZ account or by salary credit
100% Mortgage Offset
ANZ One
Other
Free $1,000 ANZ Assured facility on either an ANZ Access or ANZ One cheque and savings account linked to the loan.
#All applicants are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges are payable.
This material does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Product Disclosure Statement or terms and conditions
*Salary must be deposited into the transaction account to obtain the fee benefits.

ANZ Standard Variable Rate Home Loan is a post from: Sydney Mortgage Brokers MortgageCorp

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