Pacific Mortgage Group

Standard Variable Home Loan

Owner Occupied
Variable
20% min deposit
P&I

Interest Rate

5.89%

p.a

Comparison Rate*

5.89%

p.a

Real Time Rating™

Tags

Owner Occupied
Variable
20% min deposit
P&I

Interest Rate

5.89%

p.a

Comparison Rate*

5.89%

p.a

ly Repayment

$0

based on $500,000 loan amount for 25 years at 5.89%

Standard Variable Home Loan

Find your ideal home loan from one of the 1 home loans from Pacific Mortgage Group

Owner occupier
Investor

Principal and Interest (P&I)

Loan type	Loan to value ratio	Interest rate	Comparison rate
Variable	Up to 80%	5.89% p.a.	5.89% p.a.	Product Info

Interest only

Loan type	Loan to value ratio	Interest rate	Comparison rate

Pacific Mortgage Group Variable Rate Home loan overview

For Standard Variable Home Loan (Principal and Interest) (LVR <80%)

Details

Maximum LVR 80%	Total Repayments $0 View repayment schedule »
Interest rate type Variable	Borrowing range $50k - $5m Calculate how much you can borrow
Suitable for Owner Occupiers	Loan term range 1 - 30 years
Repayment type Principal and Interest	Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Repayment options Fortnightly, Monthly, Weekly	Target Market Determination Visit Pacific Mortgage Group to view Target Market Determination.

Features

Extra repayments Unlimited	Redraw facility Redraw fee: $0
Offset account	Split interest facility
Loan portability	Repayment holiday available
Allow guarantors	Available for first home buyers
Other benefits

Fees

Total estimated upfront fees $0	Application fee $0
Legal fee $0	Valuation fee $0
Settlement fee $0	Other upfront fee $0
Ongoing fee $0	Discharge fee $0

Pros and cons

For Standard Variable Home Loan (Principal and Interest) (LVR <80%)

Benefits

Interest rates ranked in the best 20%
No upfront or ongoing fees
100% full offset account
Extra repayments and redraw facility
Free redraw facility
Split account option
Winner of Best Home Loans Over 1 M, Best Refinance Home Loan, Best Variable Home Loan, Best Offset Home Loan, RateCity Gold Awards 2024

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Product data updated on 22 Dec 2024

FAQs

The range you can borrow from this loan is $50k to $5,000,000.

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

Pacific Mortgage Group allows you to have this loan for a range of 1 to 30 years.

Pacific Mortgage Group allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

While it could change based on your circumstances, RateCity estimates that this loan option comes with $0 worth of upfront fees.

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Pacific Mortgage Group makes it possible to apply for this product online. Apply here.