Loans

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.

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 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 95% 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.

	To 75% LVR	76% to 95% LVR
"Standard" variable (no ongoing fees)	6.41%	6.51%
Comparison rate	6.69%	6.79%
"ProPac" variable ($330 annual fee payable)	6.31%	6.41%
Comparison rate	6.71%	6.81%

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 if part "gifted" etc - please email or call to discuss.

Fixed rates - home/investment loans

Our fixed rates vary depending on loan type (ie Full or Low Doc), term and loan to value ratio (LVR)

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)

	To 60% LVR	61% to 80% LVR (mortage insurance required)
"Low Doc" variable (no ongoing fees)	6.71%	7.01%
Comparison rate	6.72%	7.02%
"ProPac" variable ($330 annual fee payable)	6.61%	6.91%
Comparison rate	6.77%	7.06%