RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  

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  Mortgage Pass [ FINANCE SPECIALISTS ]

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Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 4.99% (5.91%*)

  Premium Smart Home Loan

Perfect for borrowers with equity in their home
Category: Home Loans  Last Updated May 6, 2025  Effective May 14, 2025

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Secured by mortgage over Residential Property
Interest Rate
6.04% PA
Comparison Rate
6.08%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Redraw
  • Offset
  • Digital Banking
  • Other Additional Information: Maximum term 30 years

 Product Eligibility

  • Min Age - 18. Additional Information: 18
  • Residency Status - Australian Resident Only.
  • Other Additional Information: Maximum LVR 70%
  • Other Additional Information: Maximum LVR 95% subject to Lenders Mortgage Insurance approval

 Bank Fees and Charges

  • Mortgage Discharge Fee (Exit), Amount: 536.00. Additional Information: Discharge fees are paid on discharge
  • Premium Smart Home Loan Establishment Fee (Upfront), Amount: 497.00. Additional Information: Establishment Fee Paid on Funding (includes Mortgage Registration Fee)

 Limitations & Restrictions (Constraints)

  • Min Balance of 150000.00 Additional Information: New borrowings on loan must exceed $150000

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025, V2
  Timezone: 1 · [ CHANGE ]

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Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 4.99% (5.91%*)
123 Placeholder Street, MySuburb 2000
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

J Gear Pty Ltd T/As Mortgage Pass ABN 32 087 513 951 (Credit Representative Number 526611) is authorised under Mortgage Specialists Pty Ltd ABN 48 612 422 178 (Australian Credit Licence 387025). Suite 1/219 Merrylands Rd Merrylands 2160. Lv2, 263 Clarence Street Sydney 2000. Telephone: 0455 510 512. Primary Email: info@mortgagepass.com.au. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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