LVR stands for the loan that is initial value ratio at loan approval. LVR could be the number of your loan when compared to Bank’s valuation of the home provided to secure your loan expressed as a share.
For instance, that loan of $400,000 to purchase a residential property worth $500,000 leads to that loan to value ratio of 80%. The interest levels here are for brand new loans. Mortgage loan rates are set in line with the initial LVR and don’t change because of modifications into the LVR through the life of the mortgage.
Get yourself a 0.15% p.a. Discount on Advantage Package * for balances above $150,000 (contained in the rates that are below
| Term price that is yearly price 1 | ||
|---|---|---|
| Principal & Interest | ||
| 12 months standard fixed rate less package discount | 2.94% p.a. | 3.86% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.76% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.81% p.a. |
| LVR above 80% (No switch to rate that is standard |
2.94percent p.a. | 3.86% p.a. |
| 2 year standard fixed rate less package discount | 2.94% p.a. | 3.81% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.72% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.77% p.a. |
| LVR above 80% (No modification to standard price) |
2.94percent p.a. | 3.81% p.a. |
| 3 standard fixed rate less package discount | 2.94 12 months% p.a. | 3.77% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.67% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.72% p.a. |
| LVR above 80% (No modification to rate that is standard |
2.94percent p.a. | 3.77% p.a. |
| 4 year standard fixed rate less package discount | 2.94% p.a. | 3.73% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.63% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.68% p.a. |
| LVR above 80% (No modification to standard price) |
2.94% p.a. | 3.73% p.a. |
| 5 standard fixed rate less package discount | 2.94 12 months% p.a. | 3.69% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
2.84% p.a. | 3.60% p.a. |
| LVR between 60% to 80% (Includes further discount of 0.05% p.a. ) |
2.89% p.a. | 3.64% p.a. |
| LVR above 80% (No modification to rate that is standard |
2.94percent p.a. | 3.69% p.a. |
| Interest just | ||
| 1 standard fixed rate less package discount | 3.94 year% p.a. | 4.47% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
3.84% p.a. | 4.38% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
3.89% p.a. | 4.42% p.a. |
| 2 year standard fixed rate less package discount | 3.84% p.a. | 4.44% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
3.74% p.a. | 4.35% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
3.79% p.a. | 4.39% p.a. |
| 3 year standard fixed rate less package discount | 3.84% p.a. | 4.42% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
3.74% p.a. | 4.33% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
3.79% p.a. | 4.38% p.a. |
| 4 standard fixed rate less package discount | 4.14 12 months% p.a. | 4.51% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
4.04% p.a. | 4.41% p.a. get redirected here |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
4.09% p.a. | 4.46% p.a. |
| 5 standard fixed rate less package discount | 4.14 12 months% p.a. | 4.51% p.a. |
| LVR up to 60% (Includes further discount of 0.10% p.a. ) |
4.04% p.a. | 4.41% p.a. |
| LVR above 60per cent as much as 80per cent (Includes further discount of 0.05% p.a. ) |
4.09% p.a. | 4.46% p.a. |
Relocation Mortgage – Owner Occupier
LVR stands for the initial loan to value ratio at loan approval. LVR may be the level of your loan when compared to Bank’s valuation of your home agreed to secure your loan expressed as a portion.
For instance, financing of $400,000 to get a property worth $500,000 leads to a loan to value ratio of 80%. The interest levels listed here are for brand new loans. Mortgage rates are set on the basis of the initial LVR and don’t change as a result of modifications into the LVR through the life of the mortgage.
Mortgage interest levels
Owner occupiers – Principal + Interest
Owner occupiers – Interest only
Investors- Principal + Interest
Investors – Interest just
The adjustable prices above include a price reduction this is certainly put on the reference rate that is relevant. These rates that are variable just designed for brand new ING safety home and borrowings. All prices and information are proper at period of book and tend to be susceptible to alter.
Owner occupiers – Principal + Interest
LVR is 80% or less
LVR is above 80% much less than or equal to 90%
LVR is significantly more than 90percent
Owner occupiers – Interest just
LVR is 80% or less
Investors – Principal + Interest
LVR is 80% or less
Investors – Interest just
LVR is 80% or less
The adjustable prices above include a price reduction this is certainly put on the appropriate reference price. These rates that are variable just designed for brand new ING protection home and borrowings. All prices and information are proper at period of book and they are susceptible to alter.
Owner occupiers – Principal + Interest
LVR is 80% or less
LVR is above 80% much less than or corresponding to 90%
LVR is significantly more than 90per cent
Owner occupier – Interest just
LVR is 80% or less
Investors – Principal + Interest
LVR is 80% or less
Investors – Interest just