Choosing between a fixed and variable rate on the loan of your new home can be tough. There are benefits to both, with variable rates providing flexibility to change as the market changes and fixed rates giving you control of your finances. It is important that the option you choose provides the benefits and rates that suit your unique circumstances.

Your dedicated home loan expert will provide you with personal advice on your situation and the best option to suit your needs. We will tailor a construction home loan to suit your unique requirements and make the process of organising your finances easy and more efficient.

In addition, we will assist you with your paperwork and support you along every step of financing your new home during and after the building process.

You will:

  • Be able to choose between a fixed and variable rate loan
  • Enjoy the best rates on a fixed or variable rate home loan customised to your unique needs – both options with 100% Offset Accounts
  • Receive ongoing support and help with paperwork from our experts
  • Have the ability to split loans and structure your repayments to meet your needs
  • Stay in control of your finances through a simplified monthly statement that covers your loan balance and all transactions
  • Enjoy a rate reduction for interest paid in advance
  • Have full ATM access

At MyChoice Home Loans, we provide the right home loan advice and the best home loan for your needs. What’s in it for you?

  • Ability to split loans
  • Rate reduction with interest paid in advance
  • Full ATM access

Chat to us about the best fixed rate or variable rate home loan to buy your new home,

Phone (02) 8848 6000 or email mychoicehomeloans@mcdonaldjones.com.au

Standard Variable

Rates from
4.16
%p.a.
Comparison Rate
4.35
%p.a.
Comparison rate warning

Warning:*Comparison rate calculated on loan amount of $150,000 for term of 25 years based on monthly repayments. These rates are for secured loans only. 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.
Principal and Interest Loans Only. Up to 80% Loan to Value Ratio (LVR). Minimum Loan Size $500,000. Annual fee of $120. New customers only.

Our standard variable rate allows you the flexibilty to change as the market changes

  • Further rate reductions for interest paid in advance
  • Unlimited ATM transactions and withdrawals
  • Ability to split loans

Warning:*Comparison rate calculated on loan amount of $150,000 for term of 25 years based on monthly repayments. These rates are for secured loans only. 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.
Principal and Interest Loans Only. Up to 80% Loan to Value Ratio (LVR). Minimum Loan Size $500,000. Annual fee of $120. New customers only.

Standard fixed

Interest Rate
4.12
%p.a.
Comparison Rate
4.45
%p.a.
Comparison rate warning

Warning:*Comparison rate calculated on loan amount of $150,000 for term of 25 years based on monthly repayments. These rates are for secured loans only. 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.
Principal and Interest Loans Only. Up to 80% Loan to Value Ratio (LVR). Minimum Loan Size $500,000. Annual fee of $120. New customers only.

Our standard fixed home loan allows you to keep control of your finances

  • 2 year fixed rate
  • One of the lowest fixed rates on the market
  • Principal reduction available during fixed period

Warning:*Comparison rate calculated on loan amount of $150,000 for term of 25 years based on monthly repayments. These rates are for secured loans only. 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.
Principal and Interest Loans Only. Up to 80% Loan to Value Ratio (LVR). Minimum Loan Size $500,000. Annual fee of $120. New customers only.

Fixed Rate & Variable Rate Home Loans

Your home loan, your way

  • Enjoy the best rates on a Fixed or Variable Rate Home Loan that we customise to your personal needs

  • The flexibility to choose either fixed rates or variable rates

  • The ability to split loans to structure repayments to suit your needs

  • Stay in control of finances with a simplified monthly statement that tracks your loan balance and all transactions

Want to know more?

Contact a MyChoice Home Loans Consultant today.
Get the right home loan advice and the best home loan for your needs with MyChoice Home Loans.
Reviews and testimonials

“Dear Col, Well the house has exchanged!! I would like to thank you for all your dedication and persistence in order for this to happen. I know you said that you were only doing your job but your efforts were above and beyond the normal call of duty. Thank you”

Frances, Barton, ACT

Dear Glen, I would just like to express how impressed I have been with Beth, she has been a great support and her assistance has been invaluable, I could not have done without her advice; being rather a novice at all this it has been so good to have her advice and backup which she does in both a professional and empathetic manner.

Susie, Sydney, NSW

“We cannot thank you enough for your assistance in navigating the financial side of building our home.

When we first embarked on this journey we were confronted by a maze of processes and terms from both building and financial sides with which were were unfamiliar, and left us feeling overwhelmed at times.

Having you alongside made such a difference. Your professionalism, patience, understanding, and personal attention in guiding us through each step in obtaining our loan helped us tremendously. 

We truly appreciate your kindness.”

Ross and Julie, Sydney, NSW

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