LVR stands when it comes to loan that is initial value ratio at loan approval. LVR could be the number of your loan when compared to Bank’s valuation of your home provided to secure your loan expressed as a share.
For instance, that loan of $400,000 to purchase a property worth $500,000 leads to a loan to value ratio of 80%. The interest levels listed here are for new loans. Mortgage loan rates are set in line with the LVR that is initial don’t change as a result of modifications to your LVR through the lifetime of the mortgage.
Get a 0.15% p.a. Discount on Advantage Package * for balances above $150,000 (contained in the rates that are below
| Term | yearly price | contrast price 1 |
|---|---|---|
| Principal & Interest | ||
| 12 months standard fixed rate less package discount | 2.94% p.a. | 3.86% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.76% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.81% p.a. |
| LVR above 80% (No modification to standard price) |
2.94percent p.a. | 3.86% p.a. |
| 2 year standard fixed rate less package discount | 2.94% p.a. | 3.81% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.72% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.77% p.a. |
| LVR above 80% (No switch to rate that is standard |
2.94percent p.a. | 3.81% p.a. |
| 3 standard fixed rate less package discount | 2.94 12 months% p.a. | 3.77% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.67% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.72% p.a. |
| LVR above 80% (No modification to rate that is standard |
2.94percent p.a. | 3.77% p.a. |
| 4 12 months standard fixed rate less package discount | 2.94% p.a. | 3.73% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.63% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.68% p.a. |
| LVR above 80% (No switch to rate that is standard |
2.94percent p.a. | 3.73% p.a. |
| 5 standard fixed rate less package discount | 2.94 12 months% p.a. | 3.69% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.60% p.a. |
| LVR between 60% to 80% (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.64% p.a. |
| LVR above 80% (No switch to rate that is standard |
2.94percent p.a. | 3.69% p.a. |
| Interest just | ||
| 1 standard fixed rate less package discount | 3.94 12 months% p.a. | 4.47% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
3.84% p.a. | 4.38% p.a. |
| LVR above 60per cent as much as 80% (Includes further discount of 0.05% p.a. ) |
3.89% p.a. | 4.42% p.a. |
| 2 standard fixed rate less package discount | 3.84 12 months% p.a. | 4.44% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
3.74% p.a. | 4.35% p.a. |
| LVR above 60per cent as much as 80% (Includes further discount of 0.05% p.a. ) |
3.79% p.a. | 4.39% p.a. |
| 3 year standard fixed rate less package discount | 3.84% p.a. | 4.42% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
3.74% p.a. | 4.33% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
3.79% p.a. | 4.38% p.a. |
| 4 12 months standard fixed rate less package discount | 4.14% p.a. | 4.51% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
4.04% p.a. | 4.41% p.a. |
| LVR above 60per cent up to 80per cent (Includes further discount of 0.05% p.a. ) |
4.09% p.a. | 4.46% p.a. |
| 5 year standard fixed rate less package discount | 4.14% p.a. | 4.51% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
4.04% p.a. | 4.41% p.a. |
| LVR above 60% as much as 80% (Includes further discount of 0.05% p.a. ) |
4.09% p.a. | 4.46% p.a. |
Relocation Mortgage Loan – Owner Occupier
LVR stands for the initial loan to value ratio at loan approval. LVR may be the quantity of your loan set alongside the Bank’s valuation of your home agreed to secure your loan expressed as a share.
For instance, that loan of $400,000 to get a property worth $500,000 leads to that loan to value ratio of 80%. The interest levels listed here are for brand new loans. Mortgage loan rates are set on the basis of the initial LVR and don’t change as a result of modifications to your LVR through the life of the mortgage.
Mortgage loan rates of interest
Owner occupiers – Principal + Interest
Owner occupiers – Interest just
Investors- Principal + Interest
Investors – Interest only
The adjustable prices above include a price reduction this is certainly placed on the appropriate guide price. These rates that are variable just readily available for brand brand brand new ING safety home and borrowings. All prices and information are proper at period of book and therefore are susceptible to alter.
Owner occupiers – Principal + Interest
LVR is 80% or less
LVR is above 80% much less than or corresponding to 90%
LVR is significantly more than 90per cent
Owner occupiers – Interest just
LVR is 80% or less
Investors – Principal + Interest
LVR is 80% or less
Investors – Interest just
LVR is 80% or less
The adjustable prices above include a price reduction this is certainly put on the reference rate that is relevant. These adjustable prices are just readily available for brand brand new ING protection home and borrowings. All prices and information are proper at period of book and tend to be susceptible to alter.
Owner occupiers – Principal + Interest
LVR is 80% or less
LVR is above 80% much less than or add up to 90%
LVR is significantly more than 90percent
Owner occupier – Interest just
LVR is 80% or less
Investors – Principal + Interest
LVR is 80% or less
Investors – Interest just