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Loans

Home? Investment? Business growth?
What’s your ambition?

Like any good BFF (best financial friend), we want to make sure you have all the financial facts to make the best loan choice. See our handy loan table below so you can quickly workout which loan is going to be best for you.

You can apply for a loan right now with our hassle-free service, just hit the ‘Apply Now’ button below, provided you are an Australian Citizen over the age of 18, who has regular income. If you’re not sure and would like more information we’d love to have a chat and go through the loan before you make any commitments. To apply now, have your details on hand to make things simple – like your payslip and identity documents.

You can also use our calculators, to help you calculate your borrowing power, loan repayment time or compare loans.

 

Home Loans

We can offer you the smartest and fastest options to build or buy your dream home, or even refinance your current loan.  When it comes to home loans, we sweat so you don’t have to. Even if you’re a first home buyer, you can be pre-approved to put you in charge.

The Goldfields Money process is smooth, easy and efficient. Our interest rates are competitive, and we’ll help you structure a loan to suit your life. You’ll enjoy flexibility to change things later too.

Best of all, approvals are swift, we won’t leave you hanging. At Goldfields Money we know you have better things to do.

Business Loans

When it comes to business banking services and loans, Goldfields Money is open for business. We understand whatever size or shape your business takes, you’ll appreciate a straight-talking business banking partner. We can help you access the right loan that will boost your growth and help your business prosper.

Home Loan Interest Rates

Owner Occupier LoansLVR 95% or less 1 2
Investor LoansLVR 90% or less 1 2
Variable Rate Loans
Annual Rate (%pa)
Comparison Rate (%pa)
Annual Rate (%pa)
Comparison Rate (%pa)
LVR 80% or less - Principal & Interest

2.99%

3.05%

3.54%

3.60%

LVR 80% or less - Interest only

3.09%

3.08%

3.64%

3.63%

LVR more than 80% - Principal & Interest

3.24%

3.30%

3.64%

3.70%

LVR more than 80% - Interest only

3.34%

3.33%

3.74%

3.73%

Standard Variable Rate - Principal & Interest

3.54%

3.60%

3.94%

4.00%

Standard Variable Rate - Interest only

3.64%

3.63%

4.14%

4.07%

Fixed Term
Annual Rate (%pa)
Comparison Rate (%pa)
Annual Rate (%pa)
Comparison Rate (%pa)
2 Years Principal & Interest (P&I)*

3.14%

3.53%

3.59%

3.94%

2 Years Interest Only (IO)^

N/A

N/A

3.89%

4.16%

3 Years Principal & Interest (P&I)#

3.24%

3.52%

3.64%

3.92%

3 Years Interest Only (IO)~

N/A

N/A

3.94%

4.15%

1 Loans > 80% LVR require Lenders Mortgage Insurance

2 Reverts to Standard Variable Home Loan Rate at end of introduction/fixed period

3. Contact Goldfields Money for Rates on Loans Greater than 90% LVR
WARNING: Home loan comparison rates are based on a loan of $150,000 over a term of 25 years, based on monthly repayments.
These rates are effective from the 16th November 2020.
* Once term is expired, the ongoing rate of 3.54% will apply for Owner Occupied or 3.94% for Investor loans.
^ Once term is expired, the ongoing rate of 4.14% will apply for Investor loans.
# Once term is expired, the ongoing rate of 3.54% will apply for Owner Occupied or 3.94% for Investor loans.
~ Once term is expired, the ongoing rate of 4.14% will apply for Investor loans.

Personal and Car Loan Interest Rates

Car Loans
Annual Rate (%pa)
Comparison Rate (%pa)
Current Unavailable

N/A

N/A

Personal Loans
Annual Rate (%pa)
Comparison Rate (%pa)
Current Unavailable

N/A

N/A

Business Loan Interest Rates

Business Loans
Annual Rate (%pa)
Business Loan - Residential property secured

4.20%

Business Loan - Commercial property secured

5.95%