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eMoney 3 Year Fixed Rate Home Loan
Posted December 1st, 2011
and last modified December 7th, 2011
Review of the eMoney 3 Year Fixed Rate Home Loan
eMoney offer a range of fixed rate home loans that can help homeowners to safe-guard their budgets and keep repayments stable. For those who want the security of knowing how much they’ll pay each month, or for borrowers who simply want the reassurance that they won’t be caught with rising interest rates, a fixed rate home loan is ideal.
Fixing in the interest rate is an ideal way to ride out any perceived interest rate movements you want to avoid.
Features & Benefits
The eMoney 3 Year Fixed Rate Home Loans offers several features to borrowers including:
- Loan to Value Ratio (LVR): 90% up to $1,000,000
- Loan Term: 5-30 years
- Minimum Loan Amount: $150,000
- Repayment Options: Direct Debit, BPay, Direct Salary Crediting
- Redraw Facility?: Yes
- Special Feature: 0.10% reduction in Interest Rate for Pro Pack option (Annual fee of $330 applies)
This product is suitable for borrowers who are seeking to purchase an investment property, build a property, or refinance / consolidate their existing mortgage and debts and is available to:
- First Home Buyers
- Investors
- Owner-Occupiers
- and Refinancers
Rates, Fees & Charges
- Application Fee: $0
- Valuation Fee: $275
- Discharge Fee: $295
- Lenders Legal Fee: Nil for a standard loan
Application Details
- Deposit Requirement: Loans up to 90% of purchase price or property valuation. Evidence of 10% deposit required.
- Lenders Mortgage Insurance: Borrower pays Lenders Mortgage Insurance where loan to value ratio is greater than of property value.
Top Home Loans
| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
 Loans.com.au - Dream Catcher​ | A home loan offer with a $0 application fee and one of the lowest available home loan interest rates. | 5.85% | 6.21% | $0 / $375 | 80% | $50,000 / $750,000 |
 
|
 Bankwest Online Home Loan | A low interest rate home loan with a $0 application fee and ongoing maintenance fees. This offer is exclusively available by applying online. | 5.97% | 5.97% | $0 / $0 | 80% | $100,000 / $1,000,000 |
|
 Illawarra Home Loans Bank Beater Home Loan | A low variable rate, beaten down even further by 0.05% p.a. after 5 years. | 6.07% | 6.35% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
 State Custodians Mortgage Company Standard Variable Offset Loan | Awarded the 2011 Non bank Lender of the Year this feature-packed loan rewards customers with a bonus rate drop of 0.25% after 5 years. | 6.02% | 6.23% | $0 / $345 | 95% | $150,000 / $1,000,000 |
|
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