Railways Credit Union Limited trading as MOVE Bank | ABN 91 087 651 090 | AFSL/Australian credit licence 234 536
Enjoy a range of benefits:
3Y Fixed Rate Owner-occupied
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Refinance your home or investment loan to MOVE Bank before 31 October 2021 and get $2.5K cashback!$
| Owner-occupied | Fixed rate | Comparison rate |
| Complete Package Fixed Rate (maximum LVR 95%) 1 | ||
| 1 year | 2.39% p.a. | 3.15% p.a. |
| 2 year | 2.39% p.a. | 3.12% p.a. |
| 3 year | 2.59% p.a. | 3.14% p.a. |
| 5 year | 3.14% p.a. | 3.33% p.a. |
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Handy tools to get you ready
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Complete Package holders enjoy no establishment fees on future loans with MOVE Bank! So take advantage of our low rate home, car or personal loans today.
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Home Loans |
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| Minimum Loan Amount : | $50,000 for owner-occupied loans and $100,000 for investment loans |
| Maximum Loan Amount : | $3,000,000 |
| Maximum Loan to Valuation Ratio (LVR) : | 80% for P&I loans or 75% for IO loans |
| Maximum LVR with LMI : | 95% for Owner-Occupied Loans and 90% for Investment |
| Maximum Loan Term : | 30 years |
| Interest Type : | Fixed - 1, 2, 3 and 5 years |
| Repayment Type : | Principal and Interest. Interest Only available for investment loans |
| Interest Only Available : | Yes, Interest Only available for investment loans only |
| Repayment Frequency : | Monthly |
| Offset Account : | Yes |
| Additional Repayments Accepted : | Yes |
| Redraw Facility : | Yes |
| Establishment Fee : | $0 |
| Annual Package Fee : | $395 |
| Rate Lock Option : | Yes |
| Discharge Fee : | $150 |
| Available for Bridging : | No |
| Available for Construction : | No |
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Loans are issued by Railways Credit Union Limited trading as MOVE Bank ABN 91 087 651 090. AFSL/ Australian credit licence 234536. Available only for new lending to MOVE Bank, excludes internal refinance. Loans Rates current are subject to change. All rates quoted are per annum. Suitability and assessment criteria, fees, charges, terms and conditions apply.
+ For more information about fee-free banking please visit our Fees & Charges page. See Special Services Fees section for overseas ATM withdrawal fees. MOVE Bank does not charge eligible members for ATM transactions, however, individual ATM providers may charge fees for using their service.
*Insurance discount is only available over the phone or in branch. Discount is calculated on the premium and excludes GST and other levies. Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Any advice is general and does not take into account your personal circumstance. Consider the Product Disclosure Statement, available on the relevant insurance product page or by calling 1300 362 216, to see if the product is right for you.
^Other fees and charges apply. All credit card applications are subject to MOVE Bank’s standard credit assessment and eligibility criteria.
~ Establishment fees waived for current Complete Package holders only. Other fees and charges apply. All loan applications are subject to MOVE Bank’s standard assessment and eligibility criteria.
$ Offer is open to new refinance applications submitted between 01/09/2021 – 31/10/2021 and settled on or before 30/11/2021. Minimum loan amount $250,000 or $350,000 for broker referred loans. Available on MOVE Bank home and investment loans, excluding the Lockit 3Y Fixed Rate Home and Investment Loans, internal refinance and interest only loans. A borrower is eligible for the cashback payment only once during the offer period. Limited time offer available from 01/09/2021 and may be withdrawn or amended at any time without notice. Please refer to our full terms and conditions available at here for more information.