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Standard Variable Rate Home Loan

Standard Variable Rate Home Loan

Standard variable rate loans are Australia’s most popular type of home loan. The interest rate varies throughout the loan term. These loans generally offer excellent flexibility, low fees and often offer features such as an offset facility, redraw facility, no limits on additional repayments and in most cases, no early pay-out penalties.

Advantages & disadvantages

Advantages

  • Flexibility
  • Lump-sum payments can be made without incurring a penalty.
  • If interest rates fall, your repayments will fall.
  • Often offer extra features such as an offset account.

Disadvantages

  • If interest rates rise your repayments will rise.
Next steps
  • Contact us to discuss your initial thoughts and requirements.
  • Complete our finance application form covering the purpose for seeking credit and the amounts of credit sought
  • We will then contact you to arrange an initial consultation, to agree the basic information required and the process for completing such
  • Once that has been compiled we will review it and then provide a written strategy for you to consider.
  • If you’d like to proceed, we will then work with you on a formal loan application process.

Complimentary obligation free consultation

Discuss your specific needs & formulate the right strategy for you.
Get in touch to organise your complimentary 60min session today!

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What’s involved in obtaining a loan through Intuitive Finance?

Process begins

Step 1

1 hour initial meet to establish financial and lifestyle goals, discuss fact find document and agree timeline for return of such

Step 2

Submission of fact find

Step 3

Within 5 days of completion of fact find – written strategy submitted to you

Step 4

Within 2 days of agreement to proceed – documents lodged with Institution

Step 5

Within 1 to 3 days of lodgement expect conditional approval

Step 6

Within 2 to 4 days after conditional approval expect unconditional (full) approval

Step 7

Within 2 to 5 days after unconditional approval, expect loan documents to arrive

Step 8

Within 3 to 5 days of signed Loan Documents submitted, expect Loan settlement
Process ends
Total process generally takes between 4 and 8 weeks
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