Choice Expat Rate Tracker
From 6.33%
*Promotion Rate
About Choice Expat Rate Tracker
- Max LVR: 90% Standard; 70% Easy Refinance
- Max Loan Amount: $3,500,000
- Cash Out Available
- Retreat to RBA's Target Cash Rate
- 100% Offset Facility Available
- Available for Construction & NDIS
Loan Purpose and Rate - Standard
Owner Occupied and Investment ≤ $3.5M
6.33% P&I (LVR ≤ 90%)
- Interest rate from 6.33% P.A.
- Comparison rate from 7.24% P.A.
Loan Purpose and Rate - Easy Refinance Special* - Risk Fee Waived - Offer ends 30 Sept 2025
Owner Occupied and Investment ≤ $3.5M
6.33% P&I (LVR ≤ 70%)
- Interest rate from 6.33% P.A.
- Comparison rate from 6.94% P.A.
Product Summary
| Security type | Residential |
| Loan Amount | $50,000 to $3,500,000 |
| Maximum LVR | 90% Standard; 70% Easy Refinance |
| Loan Term | Up to 30 Years |
| Borrower Type | An Australian Citizen that does not reside in Australia, a Permanent or Temporary Resident of Australia with an Acceptable Visa or a New Zealand Citizen that does not reside in Australia or New Zealand. |
| Loan Purpose | New Pruchase, Refinance, Construction and Cash Out |
| Repayment Method | Direct debit from nominated bank account / Bpay / Pay anyone |
| Repayment Options | Principal and Interest & Interest Only (Up to 5 Years ) |
| Loan Splits | Able to split loan into more than one portion |
| Offset Facility | 100% Offset Facility available |
| Redraw Facility | Available |
| Extra Repayment | Variable Rate: Unlimited / Fixed Rate: Up to $20,000 p.a. |
Document Checklist
Income Documents (PAYG)
- Latest 2 Payslips
- Employment Letter
- 3 Months' Salary Credit
- Plus one of following if serviceability is reliant on Overtime, Allowances, Bonus Income:
- PAYG Summary
- Single Touch Payroll Summary
Income Documents (Self-Employed)
- Most recent 2 years Company Tax Returns & Financial Statements
- Most recent 2 years Personal Tax Returns & Notice of Assessment
Loan Calculator
* The comparison rate is based on a secured loan of $150,000 and a term of 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.