Rate Doctor Home Loan: Standard Variable

Rate Doctor Home Loan - lowest standard variable rate in the market @ 6.77% pa, offer exclusive at Rate Detective Home Loans!

Rate Doctor is a low variable rate home loan with a premium facility designed to cater for majority of your needs and requirements. It is simple and easy to manage, you have the flexibility to make extra repayments with no penalties and option to make repayments weekly, fortnightly or monthly. This is also suitable for property investors as line of credit facility available at the same low rate.

Current Rate Doctor Home Loan promotion

1. Special discounted rate for life of the home loan

• 6.77% variable rate for any loan amounts with an annual fee of $345pa
  OR
• 6.87% variable rate with annual fee reimbursed at the end of each year (only for loans above $350,000)

2. Special loyalty rebate - client will receive an additional 0.1% off their interest rate starting in the 6th year.

Rate Doctor Home Loan Features:

• Weekly, Fortnightly or Monthly repayments (monthly repayments only for Interest Only loans)
• Repayments through Direct Salary Credit or bank account Direct Debit
• Access to funds through optional Debit Card ($30 annual fee per card)*
• Optional Direct Debit and BPay facilities available
• No penalties for additional repayments
• Free account access via Internet and phone
• Free redraw of funds via Internet and phone (with a min amount of $100)**
• Facility can be split up to four times (minimum $10,000 per split)
• Line of credit available (only 1 Line of Credit split allowed per facility)
• Option for Interest Only - up to 15 years for line of credit
• No on-going fees or account keeping fees (15 free transactions every month, $1 fee apply for subsequent transactions)
• Deposit book available
• No construction loans

Rate Doctor Home Loan Fees & Charges:

• $600 application fee (includes 1 valuation & title insurance fee for property value up to $600,000).
• $345 annual fee.
• $30 per year for Debit Card (per card) if applicable.

*$1 ATM charge will apply for transactions performed at any Westpac ATM. An ATM operator fee will be charged for transactions at any other ATM.
**Manual redraw will incur $26 fee.

Rate Doctor Home Loan is available only at Rate Detective! Please fill out the form on this page to check if you qualify for Rate Detective Home Loan...