Our great new flexible Simple Home Loan Plus¹ especially for refinancing or owner occupied purposes with a minimum loan amount of $200,000. This product allows you to pick and choose your extras to best suit you.  An annual fee applies.

General Advice Warning:
In providing you with this information you should consider the appropriateness of this advice with regard to your particular financial situation and needs. We advise that you carefully read our Product Disclosure Statement and Financial Services Guide before acquiring a product.

Applications are subject to Dnister credit assessment criteria. Interest rates are subject to change without notice and should be verified with your local branch. Terms and conditions, including fees and charges, apply. For full details on our products and an analysis of your personal requirements, please arrange for an appointment with one of our friendly lending staff by contacting your local Dnister branch.

¹ SIMPLE Home Loan Plus – The offer is available for new borrowings and refinances from other financial institutions (excluding internal refinances) for minimum loan amounts of $200k or more. Upon expiry of the 2 year introductory rate the interest rate will revert to our Premier Owner Occupied Home Loan Variable Rate special applicable at that time. Borrow up to a maximum LVR of 95% with LMI, Debt to Income (DTI) <=6, Net Income Surplus (NIS) $2,400 & Net Disposable Income (NDI) > 1.00:1. An annual fee of $395 applies. The loan establishment fee is waived. Loans must be funded within 30 days of the date of our offer document unless we agree otherwise. Dnister reserves the right to withdraw this offer at any time and it cannot be used in conjunction with any other offer. Terms and conditions, including fees and charges, apply.

² The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.

³  This $2,500 cashback offer is available according to member eligibility for new owner-occupied home loan borrowings and refinances from other financial institutions outside of Dnister with a minimum loan amount of $200,000 under Dnister’s Simple Home Loan Plus product. The loan must be approved on or before 30th June 2023 and funded prior to 30th September 2023 unless otherwise agreed to by us. Lending must not exceed a loan to value ratio (LVR) of 80%, Net Disposable Income (NDI)>= 1.00, Net Income Surplus (NIS) >= $2,400 & Debt to Income (DTI) <=6. Offer Valid From 1st July 2022 till 30th June 2023.

⁴ Refer to Fixed Rate Loan Break Cost Schedule

WARNING: This comparison rate applies only to the example given.

* Subject to sufficient information provided.