Vista - Current Mortgage Rates and Special Offers

Hi all.

I thought I would start a thread updating the best home loan rates and offers with the lenders on our panel. Home loan interest rates are at an all-time low in Australia currently so there is a lot of competition for both new loans and refinance offers.

I will try to update these fairly regularly, therefore please see the last post for the most up to date offers.

Current standout offers from our panel of lenders are below:

1. 3.75% 2 Year Fixed Rate and $1,500 refinance rebate for owner occupied loan

2. 250,000 Velocity Points or $1,500 cash back with a new owner occupied home loan

3. 3.75% Variable Rate owner occupied loan

4. 3.99% 2 Year Fixed Rate for new investment loan

(Please note the above are not in conjunction with each other and will be subject to meeting the lenders terms and conditions).

Please feel free to contact me if you would like any further information.

Hi all,

*UPDATE*

Medical, Legal and Financial Professionals may be eligible to borrow up to 90% of the value of a property without having to pay Lenders Mortgage Insurance. This can be a real money saver as most borrowers can only borrow up to 80% of the value of a property without incurring Lenders Mortgage Insurance.

If you are not familiar with Lenders Mortgage Insurance the link below gives a little more detail.

http://www.pomsinadelaide.com/forum/money-finance/47885-why-use-broker.html

Please note all of the offers listed in the first post of this thread are still valid.

Thanks.

Hi Adam, that is good to know, thank you. Can you tell me if nurses count as medical professionals or not please? Some people use medical for only Dr's whilst others include nurses/midwives and allied health professionals too. Would be nice if it was us lower salaried people too.

Hi Dekra,

Unfortunately nurses are not on the list of eligible professions for this offer. If this changes though I will be sure to post an update.

Just to give you an idea I have copied the list of eligible medical professions below:

• Anaesthetist.
  
• Cardio Thoracic Surgeon
  
• Cardiologist
  
• Clinical Pharmacologist
  
• Cosmetic Surgeon
  
• Dentist
  
• Dermatologist
  
• Ear and Throat Surgeon
  
• Emergency Surgeon
  
• Endocrinologist
  
• Gastro Intestinal Surgeon
  
• Gastroenterologist
  
• General Practitioner
  
• General Surgeon
  
• Gynaecologist
  
• Haematologist
  
• Hepatologist
  
• Immunologist
  
• Nephrologist
  
• Neuro Surgeon
  
• Neurologist
  
• Obstetrician
  
• Oncologist
  
• Ophthalmologist
  
• Optometrist
  
• Oral and Maxillofacial Surgeon
  
• Orthopaedic Surgeon
  
• Orthopaedic Registrars
  
• Otolaryngologist
  
• Paediatric Surgeon (Neonatal/Perinatal)
  
• Pathologist
  
• Plastic Surgeon
  
• Psychiatrist
  
• Radiologist
  
• Reconstructive Surgeon
  
• Respiratory/Thoracic Surgeon
  
• Rheumatologist
  
• Surgeons
  
• Urologist
  
• Vascular Surgeon
  
• Veterinarian
  

Kind Regards

Adam

As I suspected, the ones earning twice as much as nurses, midwives and AHP. Shame but not unexpected.

Hi all

*UPDATE*

1. 3.99% 1 Year Fixed Rate Owner Occupied loan

2. 3.79% 3 Year Fixed Rate Owner Occupied loan

(The above rates are subject to meeting the lenders terms and conditions)

Please note all of the offers from previous posts are still valid.

Regards

Adam

Hi All

*UPDATE*

1. 3.64% 2 and 3 Year Fixed Rate for eligible Owner Occupied Loans

2. No Lenders Mortgage Insurance up to 85% for eligible borrowers

(Please note the above are not in conjunction with each other and will be subject to meeting the lenders terms and conditions).

Regards

Adam

Hi Adam,

is there any better rates for a 40% loan to value for first time buyer?

regards

steve

HI Stevej,

Thanks for the reply.

The rates above are standout rates from our panel of lenders and there can be quite a few factors that come into play to determine the rate applicable for any individual circumstance, for example loan size, type etc.

I am happy to take a closer look for you if you would like to shoot me a p.m or an email. My email address is in my signature.

Thanks.

Adam

Hi all,

*UPDATE*

Please see below for most recent standout deals from our panel:

• Owner Occupier Variable Rate - 3.71% (no ongoing fee)
  

• Owner Occupier 2 and 3 year Fixed Rates - 3.64% (annual fee of $375)
  

• Investment 2 and 3 year Fixed Rates – 3.89% (annual fee of $375)
  

• 250,000 Velocity Points or $1,500 cash back with a new owner occupied home loan
  

• 3.75% 2 Year Fixed Rate and $1,500 refinance rebate for owner occupied loan (annual fee of $395)
  

(Please note the above are not in conjunction with each other and will be subject to meeting the lenders terms and conditions).

Please find below a useful link to a government calculator which can demonstrate potential savings from your current lender by simply inputting a few details.

https://www.moneysmart.gov.au/tools-...ing-calculator

Regards

Adam

Hi all,

 

*UPDATE*

 

Please see below for most recent standout deals from our panel:

 

 

 

• Owner Occupier Variable Rate - 3.71% (no ongoing fee)

 

 

 

• Owner Occupier 2 and 3 year Fixed Rates - 3.64% (annual fee of $375)

 

 

 

• Investment 2 and 3 year Fixed Rates – 3.89% (annual fee of $375)

 

 

 

• 250,000 Velocity Points or $1,500 cash back with a new owner occupied home loan

 

 

 

• 3.75% 2 Year Fixed Rate and $1,500 refinance rebate for owner occupied loan (annual fee of $395)

 

 

 

(Please note the above are not in conjunction with each other and will be subject to meeting the lenders terms and conditions).

 

 

Please find below a useful link to a government calculator which can demonstrate potential savings from your current lender by simply inputting a few details.

 

https://www.moneysmart.gov.au/tools-...ing-calculator

 

Regards

 

Adam

We were tempted to use NAB just for the 250,000 velocity points. Fancy remortgaging for us Andy :wink:

Haha, we do an annual review free for all our mortgage clients so Adam can definitely look for you to see what's around at the time