AAA Financial Corporation Standard Home Loan
Variable or Fixed rateOffsetRedraw
A home loan from AAA Financial Corporation with variable and fixed rates from 6.44% a year.
- Interest rate a year, from
- 6.44%
- Comparison rate
- Not published
- Upfront fees
- $639
- 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.
| Rate | Property | Repayments | LVR | Interest rate | Comparison rate |
|---|---|---|---|---|---|
| Variable | Live in | Principal and interest | Up to 70% | 6.44% | – |
| Variable | Live in | Principal and interest | Up to 70% | 8.54% | – |
| Variable | Live in | Principal and interest | 70% to 80% | 6.54% | – |
| Variable | Live in | Principal and interest | 70% to 80% | 8.64% | – |
| Variable | Live in | Principal and interest | 80% to 90% | 6.64% | – |
| Variable | Live in | Principal and interest | 80% to 90% | 8.74% | – |
| Variable | Live in | Principal and interest | 90% to 95% | 6.74% | – |
| Variable | Live in | Principal and interest | 90% to 95% | 8.84% | – |
| Variable | Live in | Interest only | Up to 70% | 6.64% | – |
| Variable | Live in | Interest only | Up to 70% | 8.74% | – |
| Variable | Live in | Interest only | 70% to 80% | 6.74% | – |
| Variable | Live in | Interest only | 70% to 80% | 8.84% | – |
| Variable | Live in | Interest only | 80% to 90% | 6.84% | – |
| Variable | Live in | Interest only | 80% to 90% | 8.94% | – |
| Variable | Live in | Interest only | 90% to 95% | 6.94% | – |
| Variable | Live in | Interest only | 90% to 95% | 9.04% | – |
| Variable | Investment | Principal and interest | Up to 70% | 6.64% | – |
| Variable | Investment | Principal and interest | Up to 70% | 8.74% | – |
| Variable | Investment | Principal and interest | 70% to 80% | 6.74% | – |
| Variable | Investment | Principal and interest | 70% to 80% | 8.84% | – |
| Variable | Investment | Principal and interest | 80% to 90% | 6.84% | – |
| Variable | Investment | Principal and interest | 80% to 90% | 8.94% | – |
| Variable | Investment | Principal and interest | 90% to 95% | 6.94% | – |
| Variable | Investment | Principal and interest | 90% to 95% | 9.04% | – |
| Variable | Investment | Interest only | Up to 70% | 6.84% | – |
| Variable | Investment | Interest only | Up to 70% | 8.94% | – |
| Variable | Investment | Interest only | 70% to 80% | 6.94% | – |
| Variable | Investment | Interest only | 70% to 80% | 9.04% | – |
| Variable | Investment | Interest only | 80% to 90% | 7.04% | – |
| Variable | Investment | Interest only | 80% to 90% | 9.14% | – |
| Variable | Investment | Interest only | 90% to 95% | 7.14% | – |
| Variable | Investment | Interest only | 90% to 95% | 9.24% | – |
| 1 year fixed | Live in | Principal and interest | Up to 70% | 7.74% | – |
| 1 year fixed | Live in | Principal and interest | Up to 70% | 9.84% | – |
| 1 year fixed | Live in | Principal and interest | 70% to 80% | 7.84% | – |
| 1 year fixed | Live in | Principal and interest | 70% to 80% | 9.94% | – |
| 1 year fixed | Live in | Principal and interest | 80% to 90% | 7.94% | – |
| 1 year fixed | Live in | Principal and interest | 80% to 90% | 10.04% | – |
| 1 year fixed | Live in | Principal and interest | 90% to 95% | 8.04% | – |
| 1 year fixed | Live in | Principal and interest | 90% to 95% | 10.14% | – |
| 1 year fixed | Live in | Interest only | Up to 70% | 7.94% | – |
| 1 year fixed | Live in | Interest only | Up to 70% | 10.04% | – |
| 1 year fixed | Live in | Interest only | 70% to 80% | 8.04% | – |
| 1 year fixed | Live in | Interest only | 70% to 80% | 10.14% | – |
| 1 year fixed | Live in | Interest only | 80% to 90% | 8.14% | – |
| 1 year fixed | Live in | Interest only | 80% to 90% | 10.24% | – |
| 1 year fixed | Live in | Interest only | 90% to 95% | 8.24% | – |
| 1 year fixed | Live in | Interest only | 90% to 95% | 10.34% | – |
| 1 year fixed | Investment | Principal and interest | Up to 70% | 7.94% | – |
| 1 year fixed | Investment | Principal and interest | Up to 70% | 10.04% | – |
| 1 year fixed | Investment | Principal and interest | 70% to 80% | 8.04% | – |
| 1 year fixed | Investment | Principal and interest | 70% to 80% | 10.14% | – |
| 1 year fixed | Investment | Principal and interest | 80% to 90% | 8.14% | – |
| 1 year fixed | Investment | Principal and interest | 80% to 90% | 10.24% | – |
| 1 year fixed | Investment | Principal and interest | 90% to 95% | 8.24% | – |
| 1 year fixed | Investment | Principal and interest | 90% to 95% | 10.34% | – |
| 1 year fixed | Investment | Interest only | Up to 70% | 8.14% | – |
| 1 year fixed | Investment | Interest only | Up to 70% | 10.24% | – |
| 1 year fixed | Investment | Interest only | 70% to 80% | 8.24% | – |
| 1 year fixed | Investment | Interest only | 70% to 80% | 10.34% | – |
| 1 year fixed | Investment | Interest only | 80% to 90% | 8.34% | – |
| 1 year fixed | Investment | Interest only | 80% to 90% | 10.44% | – |
| 1 year fixed | Investment | Interest only | 90% to 95% | 8.44% | – |
| 1 year fixed | Investment | Interest only | 90% to 95% | 10.54% | – |
| 2 year fixed | Live in | Principal and interest | Up to 70% | 7.74% | – |
| 2 year fixed | Live in | Principal and interest | Up to 70% | 9.84% | – |
| 2 year fixed | Live in | Principal and interest | 70% to 80% | 7.84% | – |
| 2 year fixed | Live in | Principal and interest | 70% to 80% | 9.94% | – |
| 2 year fixed | Live in | Principal and interest | 80% to 90% | 7.94% | – |
| 2 year fixed | Live in | Principal and interest | 80% to 90% | 10.04% | – |
| 2 year fixed | Live in | Principal and interest | 90% to 95% | 8.04% | – |
| 2 year fixed | Live in | Principal and interest | 90% to 95% | 10.14% | – |
| 2 year fixed | Live in | Interest only | Up to 70% | 7.94% | – |
| 2 year fixed | Live in | Interest only | Up to 70% | 10.04% | – |
| 2 year fixed | Live in | Interest only | 70% to 80% | 8.04% | – |
| 2 year fixed | Live in | Interest only | 70% to 80% | 10.14% | – |
| 2 year fixed | Live in | Interest only | 80% to 90% | 8.14% | – |
| 2 year fixed | Live in | Interest only | 80% to 90% | 10.24% | – |
| 2 year fixed | Live in | Interest only | 90% to 95% | 8.24% | 10.34% |
| 2 year fixed | Live in | Interest only | 90% to 95% | 10.34% | – |
| 2 year fixed | Investment | Principal and interest | Up to 70% | 7.94% | – |
| 2 year fixed | Investment | Principal and interest | Up to 70% | 10.04% | – |
| 2 year fixed | Investment | Principal and interest | 70% to 80% | 8.04% | – |
| 2 year fixed | Investment | Principal and interest | 70% to 80% | 10.14% | – |
| 2 year fixed | Investment | Principal and interest | 80% to 90% | 8.14% | – |
| 2 year fixed | Investment | Principal and interest | 80% to 90% | 10.24% | – |
| 2 year fixed | Investment | Principal and interest | 90% to 95% | 8.24% | – |
| 2 year fixed | Investment | Principal and interest | 90% to 95% | 10.34% | – |
| 2 year fixed | Investment | Interest only | Up to 70% | 8.14% | – |
| 2 year fixed | Investment | Interest only | Up to 70% | 10.24% | – |
| 2 year fixed | Investment | Interest only | 70% to 80% | 8.24% | – |
| 2 year fixed | Investment | Interest only | 70% to 80% | 10.34% | – |
| 2 year fixed | Investment | Interest only | 80% to 90% | 8.34% | – |
| 2 year fixed | Investment | Interest only | 80% to 90% | 10.44% | – |
| 2 year fixed | Investment | Interest only | 90% to 95% | 8.44% | – |
| 2 year fixed | Investment | Interest only | 90% to 95% | 10.54% | – |
| 3 year fixed | Live in | Principal and interest | Up to 70% | 7.74% | – |
| 3 year fixed | Live in | Principal and interest | Up to 70% | 9.84% | – |
| 3 year fixed | Live in | Principal and interest | 70% to 80% | 7.84% | – |
| 3 year fixed | Live in | Principal and interest | 70% to 80% | 9.94% | – |
| 3 year fixed | Live in | Principal and interest | 80% to 90% | 7.94% | – |
| 3 year fixed | Live in | Principal and interest | 80% to 90% | 10.04% | – |
| 3 year fixed | Live in | Principal and interest | 90% to 95% | 8.04% | – |
| 3 year fixed | Live in | Principal and interest | 90% to 95% | 10.14% | – |
| 3 year fixed | Live in | Interest only | Up to 70% | 7.94% | – |
| 3 year fixed | Live in | Interest only | Up to 70% | 10.04% | – |
| 3 year fixed | Live in | Interest only | 70% to 80% | 8.04% | – |
| 3 year fixed | Live in | Interest only | 70% to 80% | 10.14% | – |
| 3 year fixed | Live in | Interest only | 80% to 90% | 8.14% | – |
| 3 year fixed | Live in | Interest only | 80% to 90% | 10.24% | – |
| 3 year fixed | Live in | Interest only | 90% to 95% | 8.24% | – |
| 3 year fixed | Live in | Interest only | 90% to 95% | 10.34% | – |
| 3 year fixed | Investment | Principal and interest | Up to 70% | 7.94% | – |
| 3 year fixed | Investment | Principal and interest | Up to 70% | 10.04% | – |
| 3 year fixed | Investment | Principal and interest | 70% to 80% | 8.04% | – |
| 3 year fixed | Investment | Principal and interest | 70% to 80% | 10.14% | – |
| 3 year fixed | Investment | Principal and interest | 80% to 90% | 8.14% | – |
| 3 year fixed | Investment | Principal and interest | 80% to 90% | 10.24% | – |
| 3 year fixed | Investment | Principal and interest | 90% to 95% | 8.24% | – |
| 3 year fixed | Investment | Principal and interest | 90% to 95% | 10.34% | – |
| 3 year fixed | Investment | Interest only | Up to 70% | 8.14% | – |
| 3 year fixed | Investment | Interest only | Up to 70% | 10.24% | – |
| 3 year fixed | Investment | Interest only | 70% to 80% | 8.24% | – |
| 3 year fixed | Investment | Interest only | 70% to 80% | 10.34% | – |
| 3 year fixed | Investment | Interest only | 80% to 90% | 8.34% | – |
| 3 year fixed | Investment | Interest only | 80% to 90% | 10.44% | – |
| 3 year fixed | Investment | Interest only | 90% to 95% | 8.44% | – |
| 3 year fixed | Investment | Interest only | 90% to 95% | 10.54% | – |
| 4 year fixed | Live in | Principal and interest | Up to 70% | 7.74% | – |
| 4 year fixed | Live in | Principal and interest | Up to 70% | 9.84% | – |
| 4 year fixed | Live in | Principal and interest | 70% to 80% | 7.84% | – |
| 4 year fixed | Live in | Principal and interest | 70% to 80% | 9.94% | – |
| 4 year fixed | Live in | Principal and interest | 80% to 90% | 7.94% | – |
| 4 year fixed | Live in | Principal and interest | 80% to 90% | 10.04% | – |
| 4 year fixed | Live in | Principal and interest | 90% to 95% | 8.04% | – |
| 4 year fixed | Live in | Principal and interest | 90% to 95% | 10.14% | – |
| 4 year fixed | Live in | Interest only | Up to 70% | 7.94% | – |
| 4 year fixed | Live in | Interest only | Up to 70% | 10.04% | – |
| 4 year fixed | Live in | Interest only | 70% to 80% | 8.04% | – |
| 4 year fixed | Live in | Interest only | 70% to 80% | 10.14% | – |
| 4 year fixed | Live in | Interest only | 80% to 90% | 8.14% | – |
| 4 year fixed | Live in | Interest only | 80% to 90% | 10.24% | – |
| 4 year fixed | Live in | Interest only | 90% to 95% | 8.24% | – |
| 4 year fixed | Live in | Interest only | 90% to 95% | 10.34% | – |
| 4 year fixed | Investment | Principal and interest | Up to 70% | 7.94% | – |
| 4 year fixed | Investment | Principal and interest | Up to 70% | 10.04% | – |
| 4 year fixed | Investment | Principal and interest | 70% to 80% | 8.04% | – |
| 4 year fixed | Investment | Principal and interest | 70% to 80% | 10.14% | – |
| 4 year fixed | Investment | Principal and interest | 80% to 90% | 8.14% | – |
| 4 year fixed | Investment | Principal and interest | 80% to 90% | 10.24% | – |
| 4 year fixed | Investment | Principal and interest | 90% to 95% | 8.24% | – |
| 4 year fixed | Investment | Principal and interest | 90% to 95% | 10.34% | – |
| 4 year fixed | Investment | Interest only | Up to 70% | 8.14% | – |
| 4 year fixed | Investment | Interest only | Up to 70% | 10.24% | – |
| 4 year fixed | Investment | Interest only | 70% to 80% | 8.24% | – |
| 4 year fixed | Investment | Interest only | 70% to 80% | 10.34% | – |
| 4 year fixed | Investment | Interest only | 80% to 90% | 8.34% | – |
| 4 year fixed | Investment | Interest only | 80% to 90% | 10.44% | – |
| 4 year fixed | Investment | Interest only | 90% to 95% | 8.44% | – |
| 4 year fixed | Investment | Interest only | 90% to 95% | 10.54% | – |
| 5 year fixed | Live in | Principal and interest | Up to 70% | 7.74% | – |
| 5 year fixed | Live in | Principal and interest | Up to 70% | 9.84% | – |
| 5 year fixed | Live in | Principal and interest | 70% to 80% | 7.84% | – |
| 5 year fixed | Live in | Principal and interest | 70% to 80% | 9.94% | – |
| 5 year fixed | Live in | Principal and interest | 80% to 90% | 7.94% | – |
| 5 year fixed | Live in | Principal and interest | 80% to 90% | 10.04% | – |
| 5 year fixed | Live in | Principal and interest | 90% to 95% | 8.04% | – |
| 5 year fixed | Live in | Principal and interest | 90% to 95% | 10.14% | – |
| 5 year fixed | Live in | Interest only | Up to 70% | 7.94% | – |
| 5 year fixed | Live in | Interest only | Up to 70% | 10.04% | – |
| 5 year fixed | Live in | Interest only | 70% to 80% | 8.04% | – |
| 5 year fixed | Live in | Interest only | 70% to 80% | 10.14% | – |
| 5 year fixed | Live in | Interest only | 80% to 90% | 8.14% | – |
| 5 year fixed | Live in | Interest only | 80% to 90% | 10.24% | – |
| 5 year fixed | Live in | Interest only | 90% to 95% | 8.24% | – |
| 5 year fixed | Live in | Interest only | 90% to 95% | 10.34% | – |
| 5 year fixed | Investment | Principal and interest | Up to 70% | 7.94% | – |
| 5 year fixed | Investment | Principal and interest | Up to 70% | 10.04% | – |
| 5 year fixed | Investment | Principal and interest | 70% to 80% | 8.04% | – |
| 5 year fixed | Investment | Principal and interest | 70% to 80% | 10.14% | – |
| 5 year fixed | Investment | Principal and interest | 80% to 90% | 8.14% | – |
| 5 year fixed | Investment | Principal and interest | 80% to 90% | 10.24% | – |
| 5 year fixed | Investment | Principal and interest | 90% to 95% | 8.24% | – |
| 5 year fixed | Investment | Principal and interest | 90% to 95% | 10.34% | – |
| 5 year fixed | Investment | Interest only | Up to 70% | 8.14% | – |
| 5 year fixed | Investment | Interest only | Up to 70% | 10.24% | – |
| 5 year fixed | Investment | Interest only | 70% to 80% | 8.24% | – |
| 5 year fixed | Investment | Interest only | 70% to 80% | 10.34% | – |
| 5 year fixed | Investment | Interest only | 80% to 90% | 8.34% | – |
| 5 year fixed | Investment | Interest only | 80% to 90% | 10.44% | – |
| 5 year fixed | Investment | Interest only | 90% to 95% | 8.44% | – |
| 5 year fixed | Investment | Interest only | 90% to 95% | 10.54% | – |
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
- $639
- Annual fee
- Not published
- Monthly fee
- Not published
Features
- Offset account
- Yes
- Redraw
- Yes
- Highest LVR
- 95%
- 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%.
Upfront fees
$639
Typical upfront fees are $600.
Smallest deposit
5%
Most loans need at least 10% of the price.
Pros and cons
Pros
- An offset account. Money in it is taken off your balance when interest is worked out, so your savings and pay cut the interest while staying easy to reach.
- Extra repayments. Paying more than the minimum pays the loan off sooner and cuts the interest you pay.
- Redraw. You can take back extra repayments later if you need the money.
- No early repayment fee listed. You can pay the loan off early, or refinance, without a penalty. Check the terms to be sure.
- Fixed rates on offer. You can fix for 1 to 5 years if you'd like repayments that don't change for a while.
- 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
Nothing stands out.
Similar home loans
Home loans from other lenders with a similar starting variable rate, for a home you live in with a 20% deposit.
- Variable rate from
- 6.54%
- Comparison rate
- 6.56%
- Variable rate from
- 6.54%
- Comparison rate
- 6.57%
- Variable rate from
- 6.54%
- Comparison rate
- 6.56%
