Keep it simple with a great low rate and no ongoing fees
Owner-occupied $500K+
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| Owner-occupied | Interest rate | Comparison rate |
| Straightforward Home Loan (Maximum LVR 80%) | ||
| $150,000-$499,999 | 2.39% p.a. | 2.43% p.a. |
| 1 Year Introductory Offer $150,000 - $499,999 | 1.99% p.a. | 2.40% p.a. |
| $500,000+ | 2.29% p.a. | 2.33% p.a. |
| 1 Year Introductory Offer $500,000+ | 1.89% p.a. | 2.30% p.a. |
| Investment | Interest rate | Comparison rate |
| Straightforward Home Loan (Maximum LVR 80%) | ||
| $150,000-$499,999 | 2.54% p.a. | 2.58% p.a. |
| 1 Year Introductory Offer $150,000 - $499,999 | 2.14% p.a. | 2.55% p.a. |
| $500,000+ | 2.44% p.a. | 2.48% p.a. |
| 1 Year Introductory Offer $500,000+ | 2.04% p.a. | 2.45% p.a. |
Interest only (maximum LVR 75%) is available on request with a premium of 0.20% added to the applicable rate noted above
Home Loans |
|
|---|---|
| Minimum Loan Amount : | 150000 |
| Maximum Loan Amount : | $3,000,000 |
| Maximum Loan to Valuation Ratio (LVR) : | 80% for P&I loans or 75% for IO loans |
| Maximum Loan Term : | 30 |
| Interest Type : | Variable |
| 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 : | No |
| Additional Repayments Accepted : | Yes |
| Redraw Facility : | Yes |
| Establishment Fee : | $450 |
| Discharge Fee : | $150 |
| Available for Bridging : | No |
| Available for Construction : | No |
Handy tools to get you ready
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 is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Consider the relevant PDS available in branch or online to see if a product is right for you.
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Railways Credit Union Limited trading as MOVE Bank | ABN 91 087 651 090 | AFSL/Australian credit licence 234 536