Rates & Product Features 

Amlak Plus

Documentation Amlak Plus Full Doc
Product Owner Occupier Investment
Property Type Residential Residential
Description Discounted Variable Rate Comparison Rate (p.a.)²  Fixed Rate Comparison Fixed Rate Discounted Variable Rate Comparison Rate (p.a.)²  Fixed Rate Comparison Fixed Rate

Amlak 80 

[LVR 80% or less]¹

3.44%
3.59% 1y 3.39% 3.81% 3.64% 3.79% 1y 3.59% 4.01%
2y 3.59% 3.82% 2y 3.79% 4.02%
3y 3.79% 3.87% 3y 3.99% 4.07%
4y 4.09% 3.98% 4y 4.29% 4.18%
5y 4.19% 4.05% 5y 4.39% 4.25%

Amlak 90 

[LVR more than 80%]¹

3.74% 3.89% 1y 3.39% 4.09% 3.94% 4.09% 1y 3.59% 4.29%
2y 3.59% 4.07% 2y 3.79% 4.27%
3y 3.79% 4.09% 3y 3.99% 4.29%
4y 4.09 4.18% 4y 4.29% 4.38%
5y 4.19% 4.23% 5y 4.39% 4.43%
Maximum LVR $1M   90% $1M   90%
Up to $2M Finance Up to $1.5M Finance
Principal & Rental Payments
Rent Only Payments ³
Weekly/ Fortnightly/ Monthly
Annual Fees nil nil nil nil
Split  up to 4 up to 4 up to 4 up to 4
Redraw X X
Redraw Fee nil N/A nil N/A
Offset Account N/A N/A
Settlement Fee nil nil nil nil
Phone & Internet access  √
Construction
Vacant Land* X X X X


Amlak Plus product attracts application fees that vary with the finance amount taken.
¹ Rental only payments have a loading of 0.20%.
² The Comparison Rate is based on a finance of $150,000 over a twenty five years term. Fees and charges may be payable.
³ Maximum of 5 or 10 years options available depending on certain conditions such as the LVR etc.
^Only manual redraws are charged fees.
* Construction Finance incur a one off fee of $120. 

Fixed Rental Facility Fee Rate Notes:
4 and 5 years fixed rental facility fee rates are available only post settlement and will incur a $260.00 fee.
No Redraw during the fixed term, no offset facility. 
Maximum of $10,000 in additional payments per fixed finance facility account.
Fixed rental facility fee rates are indicative and subject to change at any time prior to settlement.

Note: All Rates are subject to change before settlement. Issued: 12 July 2019.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other finance amounts might result in a different comparison rate.

 

Amlak

Documentation Amlak Full Doc
Product Owner Occupier Investment
Property Type Residential Residential
Description Discounted Variable Rate Comparison Rate (p.a.)²  Fixed Rate Comparison Fixed Rate Discounted Variable Rate Comparison Rate (p.a.)²  Fixed Rate Comparison Fixed Rate

Amlak 80

[LVR 80% or less]¹

3.94% 4.04% 1y 3.69% 4.25% 4.14% 4.25% 1y 3.89% 4.45%
2y 3.87% 4.24% 2y 4.07% 4.44%
3y 3.99% 4.24% 3y 4.19% 4.44%
4y 4.34% 4.35% 4y 4.54% 4.55%
5y 4.55% 4.45% 5y 4.75% 4.65%

Amlak 90

[LVR more than 80%]¹

4.24% 4.35% 1y 3.69% 4.52% 4.44% 4.55% 1y 3.89% 4.72%
2y 3.87% 4.48% 2y 4.07% 4.68%
3y 3.99% 4.46% 3y 4.19% 4.66%
4y 4.34% 4.55% 4y 4.54% 4.75%
5y 4.55% 4.62% 5y 4.75% 4.82%
Maximum LVR $1M    90% $1M    90%
Up to $2M Finance Up to $1.5M Finance
Principal & Rental Payments
Rent Only Payments ³
Weekly/ Fortnightly/ Monthly
Annual Fees nil nil nil nil
Split  up to 4 up to 4 up to 4 up to 4
Redraw X X
Redraw Fee nil N/A nil N/A
Offset Account N/A N/A
Settlement Fee nil nil nil nil
Phone & Internet access  √
Construction
Vacant Land* X X X X

¹ Rental only payments have a loading of 0.20%.

² The Comparison Rate is based on a finance of $150,000 over a twenty five years term. Fees and charges may be payable.

³ Maximum of 5 or 10 years options available depending on certain conditions such as the LVR etc.

* Construction Finance incur a one off fee of $120.

^Only manual redraws are charged fees.

Fixed Rental Facility Fee Rate Notes: 

The advertised fixed rates are applicable for new applications only. Any post settlement fixed rates will incur a $260.00 fee
No Redraw during the fixed term, no offset facility
Maximum of $10,000 in additional payments per fixed finance facility account
Fixed rental facility fee rates are indicative and subject to change at any time prior to settlement
Note: All Rates are subject to change before settlement.Issued: 12 July 2019

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other finance amounts might result in a different comparison rate.

 

Amlak Plus Construction

Documentation Amlak Plus Construction Full Doc
Product CONSTRUCTION Owner Occupier Investment
Property Type Residential Residential
Description

 Discounted 

Variable Rate

Comparison

Rate (p.a.)² 

 Discounted 

Variable Rate

 Comparison

Rate (p.a.)²

Amlak 80 [LVR 80% or less]¹ 

3.74% 3.93% 3.94% 4.13%
Amlak 90 [LVR more than 80%]¹  4.14% 4.33% 4.24% 4.44%
Maximum LVR $50K - $749K   90% $50K - $749K   90%
$750k - $1M    80% $750k - $1M    80%
Principal & Rental Payments
Rent Only Payments ³  √  √
Weekly/ Fortnightly/ Monthly  √  √
Annual Fees nil nil
Split up to 4 up to 4
Redraw  √  √
Redraw Fee nil nil
Offset Account  √  √
Settlement Fee nil nil
Phone & Internet access  √  √

¹ Rental only payments have a loading of 0.20%.

² The Comparison Rate is based on a finance of $150,000 over a twenty five years term. Fees and charges may be payable.

³ Maximum of 5 or 10 years options available depending on certain conditions such as the LVR etc.

* Construction Finance incur a one off fee of $120.

^ Only manual redraws are charge.


Note: All Rates are subject to change before settlement.Issued: 12 July 2019

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other finance amounts might result in a different comparison rate.

 

Amlak Construction

Documentation Amlak  Construction Full Doc
Product CONSTRUCTION Owner Occupier Investment
Property Type Residential Residential
Description

 Discounted 

Variable Rate

Comparison

Rate (p.a.)² 

 Discounted 

Variable Rate

 Comparison

Rate (p.a.)²

Amlak 80 [LVR 80% or less]¹ 

4.24% 4.39% 4.44% 4.59%
Amlak 90 [LVR more than 80%]¹  4.64 4.79% 4.74% 4.89%
Maximum LVR $50K - $749K   90% $50K - $749K   90%
$750k - $1M    80% $750k - $1M    80%
Principal & Rental Payments
Rent Only Payments ³  √  √
Weekly/ Fortnightly/ Monthly  √  √
Annual Fees nil nil
Split up to 4 up to 4
Redraw  √  √
Redraw Fee nil nil
Offset Account  √  √
Settlement Fee nil nil
Phone & Internet access  √  √

¹ Rental only payments have a loading of 0.20%.

² The Comparison Rate is based on a finance of $150,000 over a twenty five years term. Fees and charges may be payable.

³ Maximum of 5 or 10 years options available depending on certain conditions such as the LVR etc. 

* Construction Finance incur a one off fee of $120.

^Only manual redraws are charged fees.

 
Note: All Rates are subject to change before settlement. Issued: 12 July 2019

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other finance amounts might result in a different comparison rate.

 

Tamleek (Full Doc)

Documentation Full Doc
Product Tamleek Tamleek Murabaha * Fixed Tamleek Tamleek Murabaha * Fixed
Property Type Residential Commercial
Description Variable Rate  Fixed 1y Rate** Fixed Variable Rate  Fixed 1y Rate** Fixed
Rental / Profit Rate (p.a.) 5.50% 7.00% 8.50% 6.50% 7.50% 9.00%
Comparison Rate (p.a.)¹ 5.57% 5.70% 8.63% 6.60% 6.70% 9.18%
Term 30 Years 30 Years 15 Years% 30 Years 30 Years 15 Years
Maximum LVR ² $50K - $500K 80% $50K - $500K 80% $50K - $500K 80% $50K - $500K 70% $50K - $500K   70% $50K - $500K   70%
$501K - $750K 75% $501K - $750K 75% $501K - $750K 75% $501K - $750K 65% $501K - $750K 65% $501K - $750K 65%
$751k - $1M    70% $751k - $1M    70% $751k - $1M    70% $751k - $1M    65% $751k - $1M    65% $751k - $1M    65%
Break Cost nil nil nil nil nil nil
Principal & Rental Payments  √  √
Rent Only Payments X X X X X X
Monthly Payments  √  √  √  √  √  √
Annual Fees nil nil nil nil nil nil
Split  X X X X X X
Redraw X X X X X X
Settlement Fee nil nil nil nil nil nil
Construction X X X X X X
Vacant Land  √  √  √  √  √  √

¹ The Comparison Rate is based on a finance of $150,000 over a twenty five years term. Fees and charges may be payable.
² LVR (Conditions apply)
Commercial Finance applications attract an application fee which is 0.75% of the finance amount
All residential investment properties attract an extra 0.25% loading on all rental facility rates quoted in the table.
* Murabaha only avalaible in Victoria
** $295 Capped Rate Facility Fee applies to all 12 month fixed rental facility rate products
# Waiting list applies for MCCA Income Fund property finance
Note: All Rates are subject to change before settlement. Issued: 15 August 2016

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other finance amounts might result in a different comparison rate.

 

Tamleek (Self Certified)

Documentation Self Certified customers
Product Tamleek Tamleek Murabaha * Fixed Tamleek Tamleek Murabaha * Fixed
Property Type Residential Commercial
Description Variable Rate  Fixed 1y Rate** Fixed Variable Rate  Fixed 1y Rate** Fixed
Rental / Profit Rate (p.a.) 6.00% 7.50% 9.00% 7.00% 8.00% 9.50%
Comparison Rate (p.a.)¹ 6.07% 6.21% 9.13% 7.10% 7.20% 9.68%
Term 30 Years 30 Years 15 Years 30 Years 30 Years 15 Years
Maximum LVR ² $50K - $500K 75% $50K - $500K 75% $50K - $500K 75% $50K - $500K 70% $50K - $500K   70% $50K - $500K   70%
$501K - $750K 70% $501K - $750K 70% $501K - $750K 70% $501K - $750K 65% $501K - $750K 65% $501K - $750K 65%
$751k - $1M    65% $751k - $1M    65% $751k - $1M    65% $751k - $1M    65% $751k - $1M    65% $751k - $1M    65%
Break Cost nil nil nil nil nil nil
Principal & Rental Payments  √  √
Rent Only Payments X X X X X X
Monthly Payments  √  √  √  √  √  √
Annual Fees nil nil nil nil nil nil
Split  X X X X X X
Redraw X X X X X X
Settlement Fee nil nil nil nil nil nil
Construction X X X X X X
Vacant Land  √  √  √  √  √  √

¹ The Comparison Rate is based on a finance of $150,000 over a twenty five years term. Fees and charges may be payable. 
² LVR (Conditions apply) 
Commercial Finance applications attract an application fee which is 0.75% of the finance amount 
All residential investment properties attract an extra 0.25% loading on all rental facility rates quoted in the table. 
* Murabaha only avalaible in Victoria 
** $295 Capped Rate Facility Fee applies to all 12 month fixed rental facility rate products 
# Waiting list applies for MCCA Income Fund property finance 
Note: All Rates are subject to change before settlement. Issued: 15 August 2016 

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other finance amounts might result in a different comparison rate.