Illawarra Home Loans
Why Choose Illawarra Home Loans?
Experienced and Dedicated Team
Under company directors David Underhill and Martin Anstee, Illawarra Home Loans’ team of mortgage professionals have been assisting people in the Illawarra region and beyond to find the right home loan since 1989. With more than twenty years experience in the home loan market, Illawara Home Loans understands what loan features are needed for different borrowers and have designed a range of competitive loans to meet each customer’s needs and to keep their repayments low.
Each member of Illawara’s team of experts will work hard to find a loan that is tailored towards your lifestyle and financial situation so you can be comfortable with your loan now and into the future. The service does not end once you reach settlement, with Illawara’s mortgage experts remaining on hand to offer any necessary advice to help manage your borrowings and repayments over the life of the loan.
Featured Split Home Loan Offer
Apply for the Illawarra Home Loans Bank Beater 50% Split Home Loan and get a loan with a 50% Fixed and 50% Variable split loan options. Plus a low interest rate with no application fee, no legal fee and no valuation fee.
- Variable rate portion 6.28%
- Fixed rate portion from 6.01%
- Application Fee of $0
- Maximum LVR With LMI: 90%
- Minimum Borrowing: $250,000
- Maximum Borrowing: $1,000,000
| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
 Illawarra Home Loans Bank Beater 50% Split Loan-Variable |
A loan that can be split into 50% Fixed and 50% variable home loan with no application fee and no legal fee. | 6.28% | 6.56% | $0 / $345 | 90% | $250,000 / $1,000,000 |
 
|
Illawarra Home Loans Bank Beater 50% Split Loan – Fixed |
A home loan with 50% Fixed and 50% variable split loan option. Plus a low interest rate with no application fee. | 6.08% | 6.57% | $0 / $345 | 90% | $250,000 / $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. | 6.28% | 6.56% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
Illawarra Home Loans Bank Beater Fixed Home Loan – 1 Year Fixed Rate |
1 year home loan with a low interest rate and no application fee. | 6.23% | 6.59% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
Illawarra Home Loans Bank Beater Fixed Home Loan – 2 Year Fixed Rate |
A low interest rate home loan with no application, and valuation fee | 6.16% | 6.57% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
Illawarra Home Loans Bank Beater Fixed Home Loan – 3 Year Fixed Rate |
$0 application fee with a low interest rate | 6.22% | 6.58% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
Illawarra Home Loans Bank Beater Fixed Home Loan – 4 Year Fixed Rate |
Borrow up to 90% of your loan with a low interest rate | 6.47% | 6.66% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
Illawarra Home Loans Bank Beater Fixed Home Loan – 5 Year Fixed Rate |
Apply for Illawarra Home Loans Bank Beater Fixed Home Loan and get a low interest rate with $0 application fee. | 6.57% | 6.72% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
Backed by the Government
By operating under the funding of the Australian Government’s $16 billion residential mortgage-backed securities program (RMBS), Illawarra Home Loans is still able to match the competitive loans on offer from the major providers and is willing to negotiate the best deal with the lowest rate.
Accredited Mortgage Specialists
Applying for a home loan is the biggest financial commitment of your life, so the last thing you need is to work with a lender you do not feel secure with. You can rest assured knowing Illawarra Home Loans holds an Australian Credit Licence and is also a member of the Mortgage Industry Associations of Australia (MIAA) and the Finance Brokers Association of Australia (FBAA).
They Will Help You with All of the Paperwork!
Illawarra Home Loans understands that the process of looking for a home and applying for a loan is complicated enough as it is. They do not want their customers to be overwhelmed by endless paperwork. For this reason, Illawarra’s mortgage professionals will be on hand from application to settlement to answer any questions you might have and to help gather all of the necessary information for the application process. This assistance will afford you more time to concentrate on finding the best home your money can buy.
Illawarra’s Range of Home Loans
- Bank Beater Home Loan – this outstanding offer tackles the standard variable rate provided by the big four banks and allows customers to borrow up to 90% of the property’s value. If that’s not enough, the Bank Beater also come with no exit fees, no valuation, $0 application fees and no legal fees, so you can direct your finances to other expenses of owning a home.
- Illawarra Home Loans Bank Beater Fixed Home Loan – If you are looking for an affordable home loan then Illawarra Home Loans Bank Beater Fixed Home Loan is one of the options for you. This product offers fixed rates for 1-5 years.
- Between Homes Loan – if you’re looking to free up some finances when upgrading to a new home, then the Between Home Loan might be the right option for you. This feature packed loan is designed to keep your repayments flexible while giving you the time to find your dream home.
- Lo Doc Home Loan – Illawarra Home Loans understands how hard it can be for some self-employed business owners to produce the mountain of documentation often needed to apply for a home loan. With the Illawarra Home Loans Lo Doc Loan you can receive the same benefits afforded to other borrowers and receive close assistance from Illawarra’s team to gather the necessary documentation to achieve approval for your mortgage.
Illawarra Home Loans Community Support
Since 2002, Illawarra Home Loans has worked hard to enrich the lives of those in the community with their Community Support Program. The program assists those in compromising situations by donating a portion of the company’s annual profits. In addition to offering cash grants to these groups, the program also helps establish alliances to bring about long-term change.
The Community Support Program is open to support the different charities and organisations and is happy to receive submissions for funding. Organisations are able to submit a funding proposal by June 1 each year to qualify for the funding. Each submission is then evaluated by the Illawarra Home Loans executive board.
Details of how to apply can be found on the Illawarra Home Loans website.
How to Apply for a Mortgage Product from Illawarra Home Loans
If you are interested in on of the loans on offer from Illawarra Home Loans, you can submit a secure online application and make the first steps towards approval. Simply select the mortgage product you are interested in on this website and click ‘Proceed’ – you will then be securely transferred to the Illawarra’s fast and straightforward application form, where you will receive pre approval in just 24 hours.
Related Resources
- Illawarra Home Loans Bank Beater Home Loan
- Illawarra Home Loans Between Homes Loan
- Illawarra Home Loans Low Doc Home Loan
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