Finty
Zeus by LMG

Zeus by LMG Own

Variable or Fixed rateOffsetRedraw

A home loan from Zeus by LMG with variable and fixed rates from 6.33% a year.

Written byDavid Boyd
Interest rate a year, from
6.33%
Comparison rate
6.69%
Upfront fees
$890
Annual fee
$758
Monthly fee
Not published

Monthly repayment

$600,000 over 30 years

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What it would cost

At the lowest rate of 6.33% (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
$3,726
Total repayments
$1,341,208
Interest
$741,208

Rates

Every rate Zeus by LMG 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%6.33%6.69%
VariableLive inPrincipal and interest70% to 80%6.38%6.74%
VariableLive inPrincipal and interest80% to 85%6.33%6.69%
VariableLive inPrincipal and interest85% to 90%6.63%6.98%
VariableLive inPrincipal and interest90% to 95%6.73%7.10%
VariableLive inInterest onlyUp to 70%6.53%6.88%
VariableLive inInterest only70% to 80%6.58%6.93%
VariableInvestmentPrincipal and interestUp to 70%6.53%6.88%
VariableInvestmentPrincipal and interest70% to 80%6.58%6.93%
VariableInvestmentPrincipal and interest80% to 85%6.83%7.18%
VariableInvestmentPrincipal and interest85% to 90%6.83%7.18%
VariableInvestmentPrincipal and interest90% to 95%6.93%7.28%
VariableInvestmentInterest onlyUp to 70%6.73%7.10%
VariableInvestmentInterest only70% to 80%6.78%7.13%
VariableInvestmentInterest only80% to 85%7.03%7.38%
VariableInvestmentInterest only85% to 90%7.03%7.38%
1 year fixedLive inPrincipal and interestUp to 70%7.63%6.82%
1 year fixedLive inPrincipal and interest70% to 80%7.68%6.87%
1 year fixedLive inPrincipal and interest80% to 85%7.93%7.12%
1 year fixedLive inPrincipal and interest85% to 90%7.93%7.12%
1 year fixedLive inPrincipal and interest90% to 95%8.03%7.22%
1 year fixedLive inInterest onlyUp to 70%7.83%7.02%
1 year fixedLive inInterest only70% to 80%7.88%7.10%
1 year fixedInvestmentPrincipal and interestUp to 70%7.83%7.02%
1 year fixedInvestmentPrincipal and interest70% to 80%7.88%7.10%
1 year fixedInvestmentPrincipal and interest80% to 85%8.13%7.32%
1 year fixedInvestmentPrincipal and interest85% to 90%8.13%7.32%
1 year fixedInvestmentPrincipal and interest90% to 95%8.23%7.42%
1 year fixedInvestmentInterest onlyUp to 70%8.03%7.22%
1 year fixedInvestmentInterest only70% to 80%8.08%7.27%
1 year fixedInvestmentInterest only80% to 85%8.33%7.52%
1 year fixedInvestmentInterest only85% to 90%8.33%7.52%
2 year fixedLive inPrincipal and interestUp to 70%7.63%6.95%
2 year fixedLive inPrincipal and interest70% to 80%7.68%7.00%
2 year fixedLive inPrincipal and interest80% to 85%7.93%7.25%
2 year fixedLive inPrincipal and interest85% to 90%7.93%7.25%
2 year fixedLive inPrincipal and interest90% to 95%8.03%7.35%
2 year fixedLive inInterest onlyUp to 70%7.83%7.15%
2 year fixedLive inInterest only70% to 80%7.88%7.20%
2 year fixedInvestmentPrincipal and interestUp to 70%7.83%7.15%
2 year fixedInvestmentPrincipal and interest70% to 80%7.88%7.20%
2 year fixedInvestmentPrincipal and interest80% to 85%8.13%7.45%
2 year fixedInvestmentPrincipal and interest85% to 90%8.13%7.45%
2 year fixedInvestmentPrincipal and interest90% to 95%8.23%7.55%
2 year fixedInvestmentInterest onlyUp to 70%8.03%7.35%
2 year fixedInvestmentInterest only70% to 80%8.08%7.40%
2 year fixedInvestmentInterest only80% to 85%8.33%7.65%
2 year fixedInvestmentInterest only85% to 90%8.33%7.65%
3 year fixedLive inPrincipal and interestUp to 70%7.63%7.07%
3 year fixedLive inPrincipal and interest70% to 80%7.68%7.12%
3 year fixedLive inPrincipal and interest80% to 85%7.93%7.36%
3 year fixedLive inPrincipal and interest85% to 90%7.93%7.36%
3 year fixedLive inPrincipal and interest90% to 95%8.03%7.47%
3 year fixedLive inInterest onlyUp to 70%7.83%7.27%
3 year fixedLive inInterest only70% to 80%7.88%7.32%
3 year fixedInvestmentPrincipal and interestUp to 70%7.83%7.27%
3 year fixedInvestmentPrincipal and interest70% to 80%7.88%7.32%
3 year fixedInvestmentPrincipal and interest80% to 85%8.13%7.57%
3 year fixedInvestmentPrincipal and interest85% to 90%8.13%7.57%
3 year fixedInvestmentPrincipal and interest90% to 95%8.23%7.67%
3 year fixedInvestmentInterest onlyUp to 70%8.03%7.47%
3 year fixedInvestmentInterest only70% to 80%8.08%7.52%
3 year fixedInvestmentInterest only80% to 85%8.33%7.77%
3 year fixedInvestmentInterest only85% to 90%8.33%7.77%
4 year fixedLive inPrincipal and interestUp to 70%7.63%7.17%
4 year fixedLive inPrincipal and interest70% to 80%7.68%7.22%
4 year fixedLive inPrincipal and interest80% to 85%7.93%7.47%
4 year fixedLive inPrincipal and interest85% to 90%7.93%7.47%
4 year fixedLive inPrincipal and interest90% to 95%8.03%7.57%
4 year fixedLive inInterest onlyUp to 70%7.83%7.37%
4 year fixedLive inInterest only70% to 80%7.88%7.42%
4 year fixedInvestmentPrincipal and interestUp to 70%7.83%7.37%
4 year fixedInvestmentPrincipal and interest70% to 80%7.88%7.42%
4 year fixedInvestmentPrincipal and interest80% to 85%8.13%7.68%
4 year fixedInvestmentPrincipal and interest85% to 90%8.13%7.68%
4 year fixedInvestmentPrincipal and interest90% to 95%8.23%7.78%
4 year fixedInvestmentInterest onlyUp to 70%8.03%7.57%
4 year fixedInvestmentInterest only70% to 80%8.08%7.62%
4 year fixedInvestmentInterest only80% to 85%8.33%7.88%
4 year fixedInvestmentInterest only85% to 90%8.33%7.88%
5 year fixedLive inPrincipal and interestUp to 70%7.63%7.27%
5 year fixedLive inPrincipal and interest70% to 80%7.68%7.32%
5 year fixedLive inPrincipal and interest80% to 85%7.93%7.57%
5 year fixedLive inPrincipal and interest85% to 90%7.93%7.57%
5 year fixedLive inPrincipal and interest90% to 95%8.03%7.67%
5 year fixedLive inInterest onlyUp to 70%7.83%7.47%
5 year fixedLive inInterest only70% to 80%7.88%7.52%
5 year fixedInvestmentPrincipal and interestUp to 70%7.83%7.47%
5 year fixedInvestmentPrincipal and interest70% to 80%7.88%7.52%
5 year fixedInvestmentPrincipal and interest80% to 85%8.13%7.77%
5 year fixedInvestmentPrincipal and interest85% to 90%8.13%7.77%
5 year fixedInvestmentPrincipal and interest90% to 95%8.23%7.88%
5 year fixedInvestmentInterest onlyUp to 70%8.03%7.67%
5 year fixedInvestmentInterest only70% to 80%8.08%7.72%
5 year fixedInvestmentInterest only80% to 85%8.33%7.98%
5 year fixedInvestmentInterest only85% to 90%8.33%7.98%

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
$890
Annual fee
$758
Monthly fee
Not published

Features

Offset account
Yes
Redraw
Yes
Highest LVR
95%
Loan amount
From $50,000 up to $3,500,000

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.

Variable rate

6.38%

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

Comparison rate

6.74%

For the same rate. Typical is 6.70%.

Upfront fees

$890

Typical upfront fees are $600.

Annual fee

$758

A typical annual fee is $350.

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

  • An annual fee. $758 a year, above the typical $350. Over a 30 year loan that's $22,740, though package fees often bring rate discounts.

Similar home loans

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