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.

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

Fixed Rates from 3.69% p.a. | 3.94% p.a.* comparison
$0 Annual or Monthly Fees
We’ve cut down set up costs to only $330
Borrow up to 95%


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

< 80% LVR: 4.21% 4.24% – Comparison
> 90% LVR: 4.56% 4.59% – Comparison


Fast Track Home Loan – Key Features:

Annual or Monthly Fees: $0
Application Fee, Valuation Fee and Lender’s Basic Legal Fees: $945
Interest Rate: 3.69% p.a. |3.94% p.a.* comparison
How much can I borrow? Up to 95% of the property value
100% Offset Account:
Visa Credit Card: 55 days interest free
Online Banking:
Extra Repayments: Unlimited


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:


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Application Fee $330, Valuation Fee $330 and Lender’s Basic Legals $285

Other Fees:Other government and legal fees may be payable, contact us for details

Application Fee: $330
Valuation Fee: $330
Lenders Basic Legal Fees: $285
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 28 years experience from director Martin Anstee who has been helping people in the Illawarra and beyond with their finances since 1989.

*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 $330, valuation fee $330 and lenders basic legal fees $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.