RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  

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  CG Capital [ FINANCE SPECIALISTS ]

Cairncross Group Capital
Home Loan Variable: 5.74% (5.75%*) • Home Loan Fixed: 5.39% (5.77%*) • Fixed: 5.39% (5.77%*) • Variable: 5.74% (5.75%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 5.55% (5.96%*)

  Frequency Asked Questions

Home Loans for Legal Professionals, Accountants, Barristers, and Lawyers

Barristers, Lawyers and accountants are recognised as low-risk borrowers with high incomes and for this reason, you can borrow up to 90% of the value of the property and pay no Lenders Mortgage insurance (LMI). Normally LMI is payable if you borrow more than 80% of the value of the property. As an example, the purchase of a $1,000,000 investment property with a $100,000 deposit would save you approximately $23,000 in LMI costs.

You may also be eligible for a interest rate discount and when purchasing multiple properties, some lenders may allow you to borrow to a higher overall debt level.

You can still qualify for the discount when purchasing a property in multiple names as long as one of the applicant meets the lenders eligibility criteria and owns an equal share in the property.

Download our 40-page First Home Buyer Guide. It'll guide you through the process of buying your first home.
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Inflation is an increase in the level of prices of the goods and services that households buy. It is measured as the rate of change of those prices. Typically, prices rise over time, but prices can also fall (a situation called deflation).

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15 January 2022 No Comments

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Owner Occ. (Selected P&I Rates)
Interest*
5.39%
Comparison*
5.77%
   
5.39%
6.30%
   
5.49%
5.71%
   
5.49%
6.27%
   
Selected Invest Products (P&I)
Interest*
5.55%
Comparison*
5.96%
   
5.59%
6.57%
   
5.64%
6.45%
   
5.68%
5.97%
   
Selected Multiple Lenders (Fixed)
Interest*
5.39%
Comparison*
5.77%
   
5.39%
6.30%
   
5.49%
5.71%
   
5.49%
6.27%
   
Selected Multiple Lenders (Variable)
Interest*
5.74%
Comparison*
5.75%
   
5.74%
5.76%
   
5.88%
5.88%
   
5.88%
5.90%
   
Selected BIg-4 Lenders (Variable)
Interest*
6.04%
Comparison*
6.05%
   
6.14%
6.14%
   
6.19%
6.20%
   
6.19%
6.23%
   
Selected Invest Products (IO)
Interest*
5.59%
Comparison*
6.66%
   
5.64%
6.44%
   
5.69%
6.14%
   
5.79%
7.73%
   
Home Loan Variable: 5.74% (5.75%*) • Home Loan Fixed: 5.39% (5.77%*) • Fixed: 5.39% (5.77%*) • Variable: 5.74% (5.75%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 5.55% (5.96%*)
304/65 Victor Cres Narre Warren, VIC 3805
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

Cairncross Group Pty Ltd, trading as Cairncross Group Capital. Head office: 304/65 Victor Crescent, Narre Warren, VIC 3805. Australian Credit Licence Number: 562247. ABN ABN - 72 669 821 970. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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