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Interest Rates
Everyone has a different situation, whether it be your employment / job (PAYG, self employed / or a contractor /sole trader (with or without proof of income) and a good or poor credit history etc.
Full Doc
Low Doc
Credit impaired
Retired (ovr 65 yrs)
Commercial
At Pacific Mortgage, we have loan products that have been designed to help you no matter what your situation, at at rates lower than the banks standard advertised rates
Regardless whether you're a first home buyer, refinancing, selling/buying and moving home, renovating to increase value / lifestyle, investing in property , shares etc - PAYG or self-employed (with or without income proof), we have a home loan solution to suit you, AT VERY COMPETITIVE RATES.
Below is a comparison of our different mortgage rates.
Full Doc home/investment loan
(to 90% LVR) - proof of income required
If PAYG - in permanent employment (ie not on probation), 2 latest payslips and Group Certificate or a letter from your employer outining start date, job description, annual income and the fact you are permanently employed.
If self employed - last 2 years satisfactory Tax Returns for all entities.
Very competitive fixed rates also available Refinance now and save
First Home buyers - must have 6 months genuine savings @ 95% LVR with a lesser LVR amount if part "gifted" etc - please email or call to discuss.
Contact us on 1800 HOME LOAN (1800 466 356) or email us on info@pacificmortgage.com.au and let us help you determine the best mortgage rates and deal for you. Low Doc home/investment loan
(to 80% LVR)
Can be used for purchases, refinancing and consolidations, when Tax Returns are not yet completed or not available BUT cashflows are proven via bank statements (business banking deposits) over a 6 month period or copies of 12 months BAS statements. Low Doc home loans can be the ideal solution and usually at lower rates than the banks advertised "standard" variable full doc rates and have all the features of a standard home loan.
A Low Doc is a variation of our "standard" loan with the only difference being the slightly higher interest rate due to only basic proof of income being required.
Can revert to our low standard Full Doc rate if/when suitable financials are provided.
It allows for extra payments, with your normal payments, or "one off" lump sum repayments without penalty) and has free redraws online with no ongoing fees.
Can also include non-conforming loans (see below) where the borrower(s) may have bad credit history etc but rate will be higher depending in the credit history and circumstances and loan to value ratio (LVR) etc Income details required
- 6 months latest business banking statements
- "Declared" income
- ABN 2 yrs minimum
- GST Registration - 12 mths minimum
- Vacant land OK
- Construction OK
Low Doc home loans are specially designed to help self-employed people turn their dreams into reality. The Low Doc home loan not only eliminates all the hassles of having to provide proof of income (Tax Returns etc), but is also packed with several features for the successful management of your finances and business.
Note: Applicants need to be self-employed for at least 2 years (ie ABN and GST registered). If not other options are available so ring to find out
Note - other Low Doc loans are available with less than 2 yrs ABN & 12 mths GST registration and even impared credit - but at higher rates - call now to obtain a quote
"Low Start"
Full Doc home / investment loan
Lower rates for a 6, 12, 18 mths or 2 yrs - "introductory" period, then reverts to the "standard" variable at the time.
If you are looking for the lowest home loan around, our Low Start loan offers a very competitive introductory rate, this may be the product for you!
eg at a very low 6.02% " variable" rate for the first year, it's hard to go past "Low Start".
Plus, you can pay as much as you like, whenever you like, to really get ahead in those first few months.
At the end of the introductory period, the loan reverts to a low variable interest rate, well below the advertised standard variable rate of the big four banks.
Here are some great reasons to sign up for our low rate home loan:
Contact us for the various rates applicable to the various "introductory" periods and different LVR's (different rates below and above 75% LVR).
To apply for a home / investment loan please call
1800 HOME LOAN (1800 466 356)
or email
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