Fast Track Home Loan

Own Your Home Sooner – Only 5% Deposit Required

Don’t want to pay annual or monthly fees? Only have 5% Deposit?

The Fast Track Home Loan is packed full of features, allows you to borrow up to 95% of the property value inclusive of your Lenders Mortgage Insurance, and to keep things simple it has no monthly or annual fees.

Apply Now

Obligation Free
Simple 3 step application
Select a call back time
A qualified consultant will call you
apply now

Fixed Rates from 4.38% p.a. | 4.45% p.a.* comparison
$0 Annual or Monthly Fees
We’ve cut down ~set up costs $935
Borrow up to 95%

    Limited Time Offer to Save $935!

    Apply now and we’ll pay your:
    Application Fee $330, Valuation Fee $330 and Lender’s Basic Legals $275
    Saving you $935!

    Fast Track Home Loan – Fixed Rates:

    1 Year Fixed: 4.31% p.a. | Comparison Rate – 4.35% p.a.
    2 Year Fixed: 4.49% p.a. | Comparison Rate – 4.53% p.a.
    3 Year Fixed: 4.62% p.a. | Comparison Rate – 4.66% p.a.
    4 Year Fixed: 4.74% p.a. | Comparison Rate – 4.78% p.a.
    5 Year Fixed: 4.84% p.a. | Comparison Rate – 4.88% p.a.
    Additional Repayments: Up to $20,000 per year 100% offset available whilst fixed

    Fast Track Home Loan – Variable Rate Feature:

    < 80% LVR: 4.21% 4.24% – Comparison
    > 80% LVR: 4.56% 4.59% – Comparison

    Request a Call Back

    Complete our short call back request form, select a time and day that suits you and a qualified home loan consultant will contact you to discuss your options.

    request a call back

    Apply For Pre-Approval

    Complete our simple 3 step online application
    select a call back time and day that suits you
    A qualified consultant will call you obligation free

    apply now

    Limited Time Offer to Save $935!

    Apply now and we’ll pay your:
    Application Fee $330, Valuation Fee $330 and Lender’s Basic Legals $275
    Saving you $935!

    Fast Track Home Loan – Key Features:

    Annual or Monthly Fees: $0
    Application Fee, Valuation Fee and Lender’s Basic Legal Fees: $935 We’ll pay this for you!~
    Interest Rate: 5.16% p.a. |5.18% p.a.* comparison
    How much can I borrow? Up to 95% of the property value
    100% Offset Account:
    Redraw:
    Visa Credit Card: 55 days interest free
    Online Banking:
    Extra Repayments: Unlimited


    Request a Call Back

    Complete our short call back request form, select a time and day that suits you and a qualified home loan consultant will contact you to discuss your options.

    request a call back

    Apply For Pre-Approval

    Complete our simple 3 step online application
    select a call back time and day that suits you
    A qualified consultant will call you obligation free

    apply now

    Limited Time Offer to Save $935!

    Apply now and we’ll pay your:
    Application Fee $330, Valuation Fee $330 and Lender’s Basic Legals $275
    Saving you $935!

    Fast Track Home Loan – General Features:

    Loan Amount: $100,000 – $750,000
    Loan Term: 10 – 30 years
    Available For: Owner-Occupied Property (purchase of home) | Investment Property
    Minimum Portion Amount: $10,000
    Repayment Options: Direct Debit, Salary Credit, Deposit Book (additional charges may apply).
    Dynamic Repayment is available (after any Interest Only period has expired).
    Repayment Options: Principal and Interest
    Repayment Frequency: Weekly, Fortnightly, Monthly
    Eligibility: PAYG or Self Employed (with full documentation)
    Inward Direct Debits:
    BPay:

    Request a Call Back

    Complete our short call back request form, select a time and day that suits you and a home loan consultant will contact you to discuss your options.

    request a call back

    Apply For Pre-Approval

    Complete our simple 3 step online application
    select a call back time and day that suits you
    A qualified consultant will call you obligation free

    apply now

    Limited Time Offer to Save $935!

    Apply now and we’ll pay your:
    Application Fee $330, Valuation Fee $330 and Lender’s Basic Legals $275
    Saving you $935!

    Fees & FreebiesOther Fees:Other government and legal fees may be payable, contact usfor details

    Application Fee: $330 We’ll pay this for you!
    Valuation Fee: $330 We’ll pay up to $330 for you!
    Lenders Basic Legal Fees: $275 We’ll pay up to $275 for you!
    Annual and Monthly Fees: $0
    Loan Documentation Fee: $150
    Getting our Consultants to do your paperwork: FREE
    Lenders Mortgage Insurance: Paid by the borrower when LVR is over 80% and loans > $750,000


    Request a Call Back

    Complete our short call back request form, select a time and day that suits you and a qualified home loan consultant will contact you to discuss your options.

    request a call back

    Apply For Pre-Approval

    Complete our simple 3 step online application
    select a call back time and day that suits you
    A qualified consultant will call you obligation free

    apply now


    We’ve Been Financing The Australian Dream Since 1989

    The care and service you’ll get as an Illawarra Home Loans customer is backed by over 20 years experience from directors David Underhill and Martin Anstee who have been helping people in the Illawarra and beyond with their finances since 1989.

    We’re Backed By The RMBS Program

    lllawarra home loans funding is supported by the Australian Government $16 billion RMBS program which gives us the flexibility of the big blokes with the care, experience and attention that you deserve.


    Request a Call Back

    Complete our short call back request form, select a time and day that suits you and a qualified home loan consultant will contact you to discuss your options.

    request a call back

    Apply For Pre-Approval

    Complete our simple 3 step online application
    select a call back time and day that suits you
    A qualified consultant will call you obligation free

    apply now


    *Comparison rates for an amount of $150,000 over 25 years. Conditions fees and charges apply to all loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. ~Set up costs refer to the application fee, valuation fee up to $330 (refunded only if loan proceeds to settlement) and lenders basic legal fees up to $275. The above information is a guide only. Any loan application made is subject to formal consideration at the discretion of the lender and Lenders Mortgage Insurer and no approval is implied from the above information. Break costs may apply to fixed rates. Other fees, terms and conditions may apply. Correct as at 11 Aug 2014.