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eMoney Pro Pack Home Loan
Posted December 1st, 2011
Review of the eMoney Pro Pack Home Loan
A propack operates in the same was as a variable rate home loan but gives you the an interest rate discount in exchange for paying an on-going annual fee. You could potentially make considerable savings over the term of the loan by going with a pro-pack option. so long as the value of your home loan exceeds $200,000.
eMoney Pro Pack Home Loan: Features & Benefits
The eMoney Variable Rate Home Loan 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: $200,000
- Repayment Options: Direct Debit, BPay, Direct Salary Crediting
- Repayments: 3 options: Principle & Interest, Interest Only (up to 10 years), paid either: weekly, fortnightly, twice monthly, monthly
- Account Access: Internet / Phone transactions, ATM/EFTPOS, BPay, Direct Debit Card (with 15 free transactions per month)
- Redraw Facility?: Yes
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
eMoney Pro Pack Home Loan: 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.
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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