Home Loans

Home Loans

Whether you’re looking to refinance, consolidate your debt, buy a house and/or land, or build a new home, our home loans team is ready to help.

Our loans process is quick and efficient; no unnecessary waiting time for approval and settlement.

You can structure your loan to suit your needs and when your circumstances change, you can change the way your loan works too.

If you are still looking for your property, pre-approval is available (conditions apply).

Goldfields Money welcomes First Home Buyers: let us help you to lodge your application.

To apply for your home loan via our online application, click HERE.

Home Loan Features

Loan Type Owner Occupier Loans
Investment Loans
Vacant Land
Construction Loans
Loan Purpose Purchase of new or existing property
Refinance of existing property
Loan Amount Minimum: $50,000
Maximum: $1,350,000    (Higher amounts on application)
Loan to Value Ratio (LVR) Maximum: 95% including Lenders Mortgage Insurance
Some restrictions on LVR based on location and usage.
Loan Term Up to 30 years for residential property.
Up to 5 years for interest only loans.
Repayment Terms Principal and Interest.
Interest Only (max 5 years - investment loans only).
Repayments can be made weekly, fortnightly or monthly.
Unlimited on variable portion.
$10,000 per annum limit on fixed portion from date of settlement or conversion. Fees and charges apply for repayments in excess.
Interest Rates Variable or Fixed Rates. Split Loans Available.
View the Interest Rates Sheet for current interest rates.
Lenders Mortgage Insurance Payable by applicant where LVR is greater than 80%.
Redraw Option / Offset Accounts Redraw of payments in advance available free online. A fee is payable for staff assisted redraws.
Free Offset accounts are available.
ATMs Redicard to use on Rediteller, NAB or BOQ ATM = no ATM fees. 
Access Internet Banking
Phone Banking
Mobile Banking

 

Fees

Establishment Fee $500
Legal Fee $300 - higher amounts may apply based on location and complexity
Valuation Fee charged based on the cost to Goldfields Money.
Government Fees Fee charged based on the cost to Goldfields Money.
Ongoing Fees No ongoing loan fees. Other fees and charges may apply.

 

How Do I Apply?

To apply for your home loan via our online application, click HERE.

Alternatively, contact us by:

 

What documentation will I need to provide?

 

Other Useful Information