Finty
AAA Financial Corporation

AAA Financial Corporation Homepay Standard

Variable rate

A home loan from AAA Financial Corporation with variable rates from 6.44% a year.

Written byDavid Boyd
Interest rate a year, from
6.44%
Comparison rate
Not published
Upfront fees
Not published
Annual fee
Not published
Monthly fee
Not published

Monthly repayment

$600,000 over 30 years

What it would cost

At the lowest rate of 6.44% (variable, live in, principal and interest). The rate you are offered depends on your deposit and the loan you choose, and upfront fees are not included.

Monthly repayment
$3,769
Total repayments
$1,356,755
Interest
$756,755

Rates

Every rate AAA Financial Corporation publishes for this loan. LVR is the loan as a share of the property's value: 80% for a 20% deposit.

RatePropertyRepaymentsLVRInterest rateComparison rate
VariableLive inPrincipal and interestUp to 70%6.44%–
VariableLive inPrincipal and interest70% to 80%6.54%–
VariableLive inPrincipal and interest80% to 90%6.64%–
VariableLive inPrincipal and interest90% to 92%6.74%–
VariableLive inInterest onlyUp to 70%6.64%–
VariableLive inInterest only70% to 80%6.74%–
VariableLive inInterest only80% to 90%6.84%–
VariableLive inInterest only90% to 92%6.94%–
VariableInvestmentPrincipal and interestUp to 70%6.64%–
VariableInvestmentPrincipal and interest70% to 80%6.74%–
VariableInvestmentPrincipal and interest80% to 90%6.84%–
VariableInvestmentInterest onlyUp to 70%6.84%–
VariableInvestmentInterest only70% to 80%6.94%–
VariableInvestmentInterest only80% to 90%7.04%–

Comparison rates are for an example loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Fees and features

Fees

Upfront fees
Not published
Annual fee
Not published
Monthly fee
Not published

Features

Offset account
No
Redraw
No
Highest LVR
92%
Loan amount
Not published

How it compares

Against the other home loans we compare, for a home you live in with a 20% deposit. Typical means the middle half of them.

Variable rate

6.54%

For a home you live in, paying principal and interest. Typical is 6.62%.

Smallest deposit

8%

Most loans need at least 10% of the price.

Pros and cons

Pros

  • Interest only available. Some investors use it to keep repayments down for a few years, though the balance doesn't fall in that time.

Cons

  • No offset account. Your savings can't reduce the interest unless you pay them into the loan.

Similar home loans

Home loans from other lenders with a similar starting variable rate, for a home you live in with a 20% deposit.