Switzer Home Loan

A tailored home loan with all the features, no fees and a low interest rate.


  • 1

    Low rate, No ongoing fees

    Competitive interest rates, with no fees.

  • 2

    Tailored to suit you

    Whether it us fixed or floating, a combination of the two or interest only, we will work with you to structure the home loan to best suit your needs. Have your salary paid straight into your loan account to reduce your interest.

  • 3

    Buy, refinance, build or renovate

    You can use this loan to buy a home, renovate your current home or build a new one or just access the equity you have in your property.

  • 4

    Your own lending service manager

    Our lending service managers have a minimum of 10 years banking and lending experience. As a Switzer client, you will have direct access to your own lending service manager.

  • 5

    Online and phone access

    Access you loan via our website, or call your lending service manager.

Apply online

Variable Rates

Variable Rate Comparison Rate
3.29% 3.29%
  • Ongoing fee Nil
  • Establishment fees – Nil
  • Loan size $200k – $1.5m
  • Principal and Interest Repayments
  • Offset account available for loans to $750,000
  • We pay Vals and Legals
  • LVR to 80%

The comparison rate is based on a secured loan of $150,000 and a term of 25 years. WARNING: The comparison rate applies only to the example 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.


Annual Fee $250 (Pro Pack Loans Only)
Application Fee Nil
Settlement Fee Nil
Other fees are payable, full details covered in mortgage documentationApply onlineCall us today


Loan Amount $200,000 to $1,500,000
Term Up to 30 years
Maximum Loan to Value Ratio 90%
Permitted Purpose Purchase or refinance residential property, debt consolidation and equity access
Interest Only Option Yes – 1 to 5 years
Fixed Interest Option Yes – 1 to 5 years
Split Loan Portions Available Yes – Up to 6 separate splits
Redraw Available Yes (free via website)
Additional Payments (fixed accounts) Yes – Up to $10,000 per annum
Rate Lock Yes
Pre-Approvals Yes
Online Access Yes
Payment Options Salary Credit, Direct Debit, Direct Credit or B-Pay
Salary crediting available Yes
Debit card available Yes
Offset Account Yes, for loan amounts of up to $750,000

Useful calculators

To help you determine how this loan can suit your investment needs, Switzer Home Loans is happy to provide you a range of useful calculators to determine:

What our customers say

Here is what a few of our customers have said: