Dnister Bank Premier HL Fixed Interest Rate
Fixed rateOffsetRedraw
A home loan from Dnister Bank with fixed rates from 6.41% a year.
- Interest rate a year, from
- 6.41%
- Comparison rate
- 6.76%
- Upfront fees
- $865
- Annual fee
- Not published
- Monthly fee
- Not published
Monthly repayment
$600,000 over 30 years
What it would cost
At the lowest rate of 6.41% (1 year fixed, 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
- $3,757
- Total repayments
- $1,352,507
- Interest
- $752,507
Rates
Every rate Dnister Bank 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 |
|---|---|---|---|---|---|
| 1 year fixed | Live in | Principal and interest | Any | 6.41% | 6.76% |
| 1 year fixed | Investment | Principal and interest | Any | 6.52% | 6.95% |
| 2 year fixed | Live in | Principal and interest | Any | 6.42% | 6.73% |
| 2 year fixed | Investment | Principal and interest | Any | 6.53% | 6.91% |
| 3 year fixed | Live in | Principal and interest | Any | 6.51% | 6.73% |
| 3 year fixed | Investment | Principal and interest | Any | 6.61% | 6.90% |
| 4 year fixed | Live in | Principal and interest | Any | 6.55% | 6.73% |
| 4 year fixed | Investment | Principal and interest | Any | 6.68% | 6.91% |
| 5 year fixed | Live in | Principal and interest | Any | 6.59% | 6.74% |
| 5 year fixed | Investment | Principal and interest | Any | 6.79% | 6.94% |
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
- $865
- Annual fee
- Not published
- Monthly fee
- Not published
Features
- Offset account
- Yes
- Redraw
- Yes
- Highest LVR
- Not published
- Loan amount
- From $200,000
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.
Upfront fees
$865
Typical upfront fees are $600.
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.
Cons
Nothing stands out.