St.George Fixed Super Fund Home Loan
Posted July 26th, 2010
and last modified March 23rd, 2012
What happens when I click Enquire Now?
- Clicking Enquire Now will take you to the lender's website
- After completing the contact form, a mortgage expert will contact you
- The mortgage expert will ensure you find the right loan, calculate your repayments, and explains all the associated fees
- After going through the enquiry process you will be able to know how much you can borrow, begin your application when you are ready to apply and be approved for a home loan
If you are thinking of starting or already have a self managed super fund and you would like to diversify your fund by purchasing a residential investment property then you should look at the St.George fixed rate super fund home loan. With a fixed rate and loan terms up to thirty years, or 15 years for interest only loans, you can have a diverse super fund which means that you don’t have rely on just one form of investment.
Interest rates currently on offer for a St.George super fund loan:
Features of the St.George Fixed Super Fund Loan
With a St.George fixed rate super fund home loan you get the security and reliability of having a fixed interest rate. This means that you will know exactly how much the repayments on the home loan will be giving you the ability to plan your super fund’s future saving and investments. You can choose a fixed term of one to five years on a St.George super fund home loan. Additional features of this super fund home loan include:
- Making extra repayments. With a St.George super fund home loan you have the flexibility of being able to make extra repayments up to $10000 per year. Making extra repayments means that you reduce the total amount of interest paid on your home loan, it also reduces the length of the loan.
- Repayment options. You get several different way of being able to repay a St.George fixed super fund home loan, weekly monthly or fortnightly (interest only loans can only be paid monthly). This means that your are able to structure the repayments on the home loan in a way that is suits the finances of your self-managed super fund. Repayments on your superfund home loan can be set up so that the payment are automatically debited form your account.
- Monthly and establishment fees. The St.George fixed rate super fund home loan has a monthly fee of $12, an establishment fee of $1500, and a settlement fee of . There may also be fees for some of the other options available on the loan.
- Can have an offset account. You can have a partial or 100% offset account connected to your St.George super fund home loan this means that any cash that your super fund has can be used to reduce the interest that is applied to your home loan helping you pay the loan quicker.
- Can use the rent to help make the repayment. With a St.George bank super fund home loan you can use the rent that you receive on the investment property to help the pay the loan payments. This means that your super fund does not have to fund all the loan repayment, this help free up money that can used to fund other investments.
Are you suited to a St.George super fund home loan?
Super fund home loans should only be considered by people that have a self managed super fund and would like to invest in residential property between the value of $100,000 to $500,000. You can borrow up to a maximum of 72% of the property’s value and should be looking for a long term investment of at least 10 years plus.
Read the St.George Fixed Super Fund Home Loan terms and conditions.
| Minimum Loan Amount | $100,000 | |
|---|---|---|
| Maximum Loan Amount | $500,000 | |
| Maximum LVR | 72% | |
| Maximum Insured LVR | 72% | |
| Mortgage Offset Account | No | |
| Loan Redraw Facility | No | |
| Split Loan Facility | No | |
| Fixed Interest Option | No |
| Interest Rate Type | Fixed | |
|---|---|---|
| Interest Rate | 7.50% | |
| Comparison Rate | 8.02% | |
| Repayment Type | Interest Only | |
| Repayment Frequency | Weekly | |
| Extra Repayments | No |
| Application Fee | $1,500 | |
|---|---|---|
| Legal Fee | $0 | |
| Valuation Fee | $0 | |
| Service Fee | $12.00 | |
| Settlement Fee | $100 | |
| Exit Fee | $250 |
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