Ohana low interest rate home loan

Ohana Finance Home Loan

**2.8% p.a.* Ohana 2-Year Fixed Rate**

**3.1% p.a.* Ohana Variable Rate**

We've secured one of Australia's lowest home loan rates. That means you get the BEST RATE and OUTSTANDING SERVICE in a home loan tailored to your circumstances.

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Choosing a Home Loan is more than just about interest rates, it's about providing a loan that meets your lifestyle and financial needs.

Buying A Home To Live In

An Investment Property

Refinance An Existing Loan

Standard Variable Home Loan

A flexible home loan, allowing you to access one of the lowest variable interest rates available in Australia.

A simple, flexible loan, allowing you to choose one of the lowest variable interest rates available.
Available for purchase, refinance and debt consolidation of owner occupied properties
Unlimited extra repayments allowed
Flexible repayments to suit you
Free redraw facility

3.10% p.a.*

Ohana Home Loan

3.15% p.a.*

Comparison Home Loan

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Key Features List

PRODUCT SPECIFICATIONS


Borrower suitability	Purchase, refinance and debt consolidation of owner occupied properties or investment property. Home equity loans for investment or personal purposes. Go-Between bridging finance and construction of new residential property
Loan amount	$10,000 - no maximum, subject to LMI approval
LVR limit	Up to 95% - Owner occupied – Principal & Interest (including capitalised LMI) Up to 80% - Owner occupied – Interest Only Up to 90% - Investment – Principal & Interest Up to 80% - Investment – Interest OnlyAll LVRs subject LMI approval
Term	5-30 years
Interest rate type	Variable or Fixed rates for a 1 to 5 years term
Repayment type	Principal & Interest Interest Only (available for up to 5 years)
Repayment methods	Direct Debit
Redraw facility	Minimum redraw of $500
Special features	Bi- annual statements Principal & Interest repayment frequency – Weekly/Fortnightly/Monthly Interest Only repayment frequency – Monthly Extra payments permitted to variable rate loan at any time without penalty Extra payment to fixed rate loan of up to $20,000 pa permitted without penalty 100% Offset facility available - Monthly Administration Fee $10
Account access	Net / Phone banking ATM/EFTPOS BPAY®
Notes	Option to split your loan into more than one portion (additional fees apply per split) Convert from a variable rate to a fixed rate at any time (a loan variation fee may apply)

FEES

Fees are indicative only and are subject to change.

Axis Application Fee	$499.00 (includes 1 standard valuation for property up to $1m)*
Offset Facility Fee	$10 per month per account
Legal Fee	Approx. $330.00 + GST + disbursement

*This offer covers per loan – one standard valuation, any additional fees & charges incurred over the above specified amounts will be payable by the borrower/s.

If the loan application does not proceed to settlement, then all valuation fees incurred during the processing of the loan application (where applicable) will be payable in full by the borrower/s. Solicitors may also bill (in full) for professional costs incurred on loans which fail to proceed to settlement.

Axis Lending Pty Ltd | ABN 97 628 570 974 | Credit Rep Number 493357 of Australian Credit Licence 484302 Lending Criteria, Fees, Terms and Conditions Apply. Full details of Terms & Conditions available upon application. As at April 2019

Investment Variable Home Loan

A flexible investment loan, allowing you to access one of the lowest variable interest rates available in Australia.

A simple, flexible loan, allowing you to choose one of the lowest variable interest rates available.
Available for purchase, refinance and debt consolidation of investment properties.
Unlimited extra repayments allowed
Flexible repayments to suit you
Free redraw facility

3.45% p.a.*

Ohana Home Loan

3.50% p.a.*

Comparison Home Loan

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DOWNLOAD LOAN RATES

Key Features List

PRODUCT SPECIFICATIONS


Borrower suitability	Purchase, refinance and debt consolidation of owner occupied properties or investment property. Home equity loans for investment or personal purposes. Go-Between bridging finance and construction of new residential property
Loan amount	$10,000 - no maximum, subject to LMI approval
LVR limit	Up to 95% - Owner occupied – Principal & Interest (including capitalised LMI) Up to 80% - Owner occupied – Interest Only Up to 90% - Investment – Principal & Interest Up to 80% - Investment – Interest OnlyAll LVRs subject LMI approval
Term	5-30 years
Interest rate type	Variable or Fixed rates for a 1 to 5 years term
Repayment type	Principal & Interest Interest Only (available for up to 5 years)
Repayment methods	Direct Debit
Redraw facility	Minimum redraw of $500
Special features	Bi- annual statements Principal & Interest repayment frequency – Weekly/Fortnightly/Monthly Interest Only repayment frequency – Monthly Extra payments permitted to variable rate loan at any time without penalty Extra payment to fixed rate loan of up to $20,000 pa permitted without penalty 100% Offset facility available - Monthly Administration Fee $10
Account access	Net / Phone banking ATM/EFTPOS BPAY®
Notes	Option to split your loan into more than one portion (additional fees apply per split) Convert from a variable rate to a fixed rate at any time (a loan variation fee may apply)

FEES

Fees are indicative only and are subject to change.

Axis Application Fee	$499.00 (includes 1 standard valuation for property up to $1m)*
Offset Facility Fee	$10 per month per account
Legal Fee	Approx. $330.00 + GST + disbursement

*This offer covers per loan – one standard valuation, any additional fees & charges incurred over the above specified amounts will be payable by the borrower/s.

"We weren't looking to buy for another year, so we were surprised when our house came on the market and had everything we were after.

We tried two banks but, due to one of our payslips being regarded as a contractor, we needed another year of proof of income. The banks weren't willing to accept us. We weren't looking to go down the broker avenue. I guess we were fairly ignorant in that regard, because we'd had no experience with them.

But we ended up securing our dream house, which wouldn't have been possible without Scott and his team. The way they looked after the whole process - we were gobsmacked at how they exceeded our expectations."

Chris Jones

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