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HSBC Variable Home Loans and Interest Rates, HSBC Australia, best home loan rates australia.#Best #home #loan #rates #australia


Compare Home Loans

Best home loan rates australia

Compare home loan interest rates features

Compare our range of home loans. Designed with flexibility and exclusive service to best suit your needs whatever house or apartment you are buying.

Home Value

A simpler home loan with a competitive variable rate

Standard Variable Rate

Complete repayment flexibility

Home Smart

Combine your income, savings and loan into one easy to manage account

Home Equity

A loan that gives you the freedom to create wealth

Owner Occupied and Investment

Owner Occupied and Investment

Owner Occupied and Investment

Owner Occupied and Investment

Due to the Australian regulatory environment, new home loan investment lending with HSBC is currently reserved for existing HSBC customers

Interest Rate Type

Owner Occupied Interest Rate

(Principal and Interest)

Owner Occupied Comparison Rate #

(Principal and Interest)

Owner Occupied Interest Rate

Owner Occupied Comparison Rate #

Owner Occupied Premier Discount* (Eligibility criteria apply)

Investment Interest Rate

(Principal and Interest)

Investment Comparison Rate #

(Principal and Interest)

Investment Interest Rate

Investment Comparison Rate #

Investment Premier Discount* (Eligibility criteria apply)

Monthly Account Keeping Fee

Best home loan rates australia

Best home loan rates australia

Best home loan rates australia

Best home loan rates australia

Best home loan rates australia

Best home loan rates australia

Best home loan rates australia

Best home loan rates australia

Maximum Loan to Value Ratio (LVR)**

Owner Occupied – 90%

Owner Occupied – 90%

Owner Occupied – 90%

Owner Occupied – 80%

Home Value

Standard Variable Rate

Home Smart

Home Equity

Important Information

  • Fees and charges apply.
  • Terms and Conditions apply.
  • Lending criteria apply.
  • ^ Terms, conditions and restrictions apply.

Existing HSBC customers are defined as those with an existing retail bank lending product (mortgage), or in the absence of this, currently hold a deposit account with HSBC Australia for a minimum of 6 months (credit card only customers excluded).

  • * Our Variable rates are subject to change. Tiered discounts apply, loan amount of AUD 500,000 – AUD 749,000 receive 0.75% discount p.a., loan amount of AUD 750,000 – AUD 1,499,000 receive 0.80% discount p.a., loan amount of AUD 1,500,000 or greater receive 0.85% discount p.a. Visit hsbc.com.au for details of the Standard Variable Rate applicable at the time of application. HSBC Premier monthly fee of $35 applies. Eligibility criteria for HSBC Premier applies and is available from our branches, by calling 1300 301 168 or hsbcpremier.com.au. Eligibility criteria remains at HSBC’s absolute discretion. Terms, conditions and other restrictions apply.
  • ** For owner occupied and investment loans, HSBC will lend up to 90% to Australian residents with Lenders Mortgage Insurance (subject to approval) and up to 80% without LMI, providing security is acceptable to the bank. Overseas borrowers maximum LVR is 70%.
  • # Comparison rate calculations for Home Loans are based on designated amount of $150,000 and a term of 25 years. Our comparison rate schedules are available at our branches and at www.hsbc.com.au. WARNING: 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.
  • Copyright 2017. HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595 All rights reserved.


    Smart Search, Compare Home Loans, Mortgage Calculators, Investment Loans, Interest Rates, best home loan rates australia.#Best #home #loan #rates #australia


    best home loan rates australia

    Please go to our commercial loans pages for all the information regarding commercial finance by clicking the button below.

    WARNING: The comparison rates for all home loans are based on secured credit of $250,000 and a term of 25 years. The calculation includes the interest rate, upfront fees, ongoing annual or monthly fees and discharge of mortgage fees. 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.

    Smart Search Finance is not making any suggestion or recommendation about a particular credit product from this website. You may be viewing a product that is unsuitable for your lending needs. It is highly advised that you speak to one of our qualified licenced advisors or the relevant financial institution to ensure that interest rates, product information and your financial needs are suitable to apply for that product.

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    Click here to see the complete list at our mortgage comparison pages

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    Best home loan rates australia Best home loan rates australia

    About us

    Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

    With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

    Best home loan rates australia

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    NRI Home Loans – Best NRI Loan Interest Rates in India at DHFL, best home loan rates australia.#Best #home #loan #rates #australia


    NRI Home Loans

    NRI Home Loans from DHFL will always help you find your dream home, no matter where you are based. Whether you might have settled abroad in the United Kingdom, Europe, America, Australia or the Middle East, owning a home in India is a dream cherished by many. But, many stages that come into that process, from selecting the desired property, availing the right NRI Home Loan to navigating the lengthy application processes, can make buying a home in India from abroad a challenging task.

    At DHFL, we understand and are sensitive to these nuances and offer you a seamless straight through process of buying your dream home through our NRI Home Loan services.

    It is our prime objective to assist you in making your dream home in India a reality. In this journey to help you own a part of your homeland, we provide Home Loans for NRIs that are best suited to your needs.

    Our NRI Home Loans in India can be customised depending on your needs The Home Loan for NRIs comes with attractive interest rates and a flexible pay-back option that can be modified as per your convenience. We believe in maintaining fair terms, total transparency and flexibility thus, you can be assured of the best services while availing our NRI home loans in India.

    NRI Home loans: Own a property in India

    Our NRI Home Loans can be availed for the following purposes:

    • To purchase a new home
    • To purchase a ready built house on resale
    • To construct your own house
    • To extend your house
    • To renovate your house
    • To purchase a plot of land in your preferred city or town
    • To purchase a plot of land in your preferred city or town and construct your house on it

    Eligibility Criteria for NRI Home Loan

    At DHFL, we understand every customer is unique with needs that are different. Hence we have Home loans starting from INR 500,000 to a maximum of 80% of the agreement value or total cost (including stamp duty registration charges) of the flat/ house or plot that you wish to construct or purchase. However, the actual Home Loan amount that you’re eligible for is determined by taking into account various factors such as:

    • Applicant should have a NRI/PIO status and must be working abroad with valid documents namely passport and visa or OCI card, as per RBI guidelines
    • Repayment capacity
    • Age
    • Educational qualifications
    • Stability and continuity of income
    • Number of dependents
    • Co-applicant’s income
    • Assets and liabilities, saving habits, and more

    Maximum Tenure of NRI Home Loan: Up to 20 years

    Living outside our Home country is not always easy. We deeply value of your hard earned money. That’s why we have tenure of up to 20 years, so that EMI is lowered without affecting your Lifestyle and your dreams of owning a property in India.

    NRI Home Loan Interest Rate

    DHFL offers one of the most competitive rates in the market. The Interest rate applicable is based on the DHFL’s Retail Prime Lending Rate (RPLR) which fluctuates from time to time based on the money market conditions.

    Easy Repayments on your NRI Home Loans

    You have 2 options for repayment of the loan based on the EMIs payable:

    • Through ECS (Electronic Clearing Service) based on standing instructions to your bank
    • PDCs (Post Dated Cheques) drawn on your Savings/Salary account

    Legal and Technical Scrutiny

    For easy and hassle free processing of your home loan, DHFL has in house legal and technical team , so your Home Approval process become fast and secure. DHFL does:

    • Studying title deed, link documents and Encumbrance certificate (EC)
    • Scrutinizing EC to ensure all title/link documents pertaining to the property are obtained
    • Verifying documents to check that chain of seller(s) and buyer(s) is properly maintained
    • Scrutinizing title/link documents to ensure that buyer has absolute and marketable title
    • Ensuring that plot does not fall in areas adversely notified by Government and also that the property is not situated in lands notified as Government lands
    • If the property is situated in recently developed, areas appropriate lay out approvals by necessary authorities are provided
    • Whether actual construction is done according to the approved plan etc.

    Home Loan for NRI’s in Middle East

    NRI’s in Middle East, can liaise for their NRI Home loans requirements with our Dubai Representative Office, Call us at 00-971-4-3524905, + 971529134841 / +971505351172 / + 971507549120 or or mail us at [email protected] For more information please visit DHFL Dubai for more details.

    Home Loan for NRI’s in UK Europe

    NRI’s in Europe and UK can can liaise for their NRI Home loans requirements with our London Representative Office, call us at +44 20 8579 1711 or mail us at [email protected] Kindly visit DHFL UK for more details.

    Home Loan for NRI’s in USA

    NRI’s in the USA can liaise for their NRI Home loans with our London Representative Office, call us at +1-347-809-5508 or mail us at [email protected] Kindly visit DHFL USA for more details.

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    Bad Credit Home Loans: Get a Better Deal If You Have a Bad Credit History, bad credit loans australia.#Bad #credit #loans #australia


    BadCreditHomeloans

    Bad credit loans australia

    Been refused by your bank?

    Our Core Products and Services Include Loans for:

    Do you want Bad Credit Home Loans to call you?

    Free Phone Consultation 1300 724 342

    Fast Approval, Low Rate Home Loans for People With Bad Credit

    Get a free quote from bad credit home loans today and get a better deal

    Standard Variable Home Loans from 3.79% pa* | Comparison Rate from 3.84% pa*

    Do you have a history of missed payments? Are you in arrears with your current mortgage? Are you an ex Bankrupt or been refused by another lender?.

    Bad Credit Home Loans is a bad credit specialist that offers tailored solutions for people that don’t quite fit the normal lending criteria of the banks.

    No matter how bad your credit is, we may still be able to help and get you a better deal in the process

    Key Benefits of BadCreditHomeLoans.com.au

    • Offers specialist solutions for people with bad credit
    • Fast Approval
    • Free quote. Talk to us to see how we can assist. It costs nothing and could potentially save you thousands.
    • Reduce your repayments. Many of our lending solutions will lower your repayments below other lenders or lower your repayments on your existing liabilities.
    • Wide range of loans

    We may still be able to assist you in the following situations:

    • Self Employed Persons
    • People with no Tax returns
    • If you are at risk of foreclosure
    • Persons with no savings history
    • People with a bad credit history or have missed payments or defaults
    • Pensioners
    • People on centrelink or government allowances

    Get a free bad credit home loan quote

    If you’d like to find out how you could benefit from a bad credit home loan then call one of our consultants for a free consultation on 1300 724 342 or fill out the short contact form in the left hand menu.


    Home Loans Australia For Bad Credit, No Deposit, Low Doc & No Doc, bad credit loans australia.#Bad #credit #loans #australia


    bad credit loans australia

    Bad credit loans australia

    Bad credit loans australia

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    HOME LOAN FOR FIRST HOME BUYERS

    Buying your first home is exciting and also a bit scary. Learn what you should do and the tax breaks that you can take advantage of.

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    Having an impaired credit rating does not mean you can’t get a loan. We will deal with select lenders to overcome your credit history and get you that loan

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    LOW DOC / NO DOC HOME LOAN

    If you are self-employed we can help you get a low doc/no doc home loan which may not require you to show any proof of income.


    Home Value Loan Rates And Fees, HSBC Australia, home loan interest rates australia.#Home #loan #interest #rates #australia


    Home Value Loan – Rates and Fees

    Home loan interest rates australia

    Rates and fees

    Review the rates and fees associated with this home loan.

    Home Value Loan (Owner Occupied)

    (Principal and Interest ^ )

    (Principal and Interest ^ )

    The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    (Other fees and charges may apply)

    Quoted on application

    Unlimited. First redraw per month free, thereafter $20 per redraw applies. This fee will not apply if you make a redraw request via Internet banking.

    Early repayment fee

    For a full list of possible fees and charges associated with this loan see our fees and charges guide.

    Get in touch

    Fill in our short online enquiry form and one of our Relationship Managers will be in touch within

    2 business days.

    Visit us in branch for more information on this home loan.

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    Information to help you through the process of buying your home.

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    Let a Financial Planner help deliver the future you imagined.

    Important information

    • Rates are current as at and subject to change.
    • The CANSTAR 5 Star Rating was awarded in March 2017 for Home Value for the Variable Home Loan – Owner Occupied category.
    • ^ Interest Only Rates are available on HSBC’s Interest Rate page. Terms, conditions and restrictions apply.
    • * Loan to Value Ratio (LVR) subject to HSBC’s assessment, lending criteria and Lender’s Mortgage Insurance (LMI) acceptance.
    • # This advertisement provides general advice only and doesn’t take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) before acquiring this product, available by calling 1300 308 008, at your local branch or www.hsbc.com.au.
    • Terms, conditions, fees, charges and lending criteria apply. View online or contact us for details.

    Existing HSBC customers are defined as those with an existing retail bank lending product (mortgage), or in the absence of this, currently hold a deposit account with HSBC Australia for a minimum of 6 months (credit card only customers excluded).

    Copyright 2017. HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595 All rights reserved.


    ANZ lifts interest-only home loan rates, but cuts principal and interest loans, home loan interest rates australia.#Home #loan #interest #rates #australia


    ANZ lifts interest-only home loan rates, but cuts principal and interest loans

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    ANZ Bank first half profit

    ANZ Bank has hiked rates on interest-only home loans for the second time in three months, amid further signs the regulators’ crackdown on riskier lending has put the brakes on the mortgage market.

    The big four lender on Friday said it would raise interest rates for customers with interest-only loans by 0.3 percentage points, while cutting rates for customers who are paying principal and interest by 0.05 percentage points.

    The hike came as new figures showed the number of home loans taken out by Australians has fallen to a two year low, fuelling speculation of a property downturn.

    Related Article

    Home loan interest rates australia

    Australia stumbles to economic record as cautious Reserve Bank leaves rates on hold

    The figures, released by the Australian Bureau of Statistics on Friday, show loans to investors have fallen to their lowest level in seven months, down from a high of above 50 per cent in January.

    The number of all home-loan approvals dropped 1.9 per cent in April after falling for the third month in a row, while the value of new lending to investors dropped 2.3 per cent.

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    Home loan interest rates australia The bank said the cut would benefit 80 per cent of its owner-occupier customers, who were paying principal and interest. Photo: Louise Kennerley

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    ANZ’s rate increase, which follows a hike in property investor and interest-only rates in March, will mainly affect property investors, who regulators view as a key source of risk in the housing market.

    ANZ said 80 per cent of its owner-occupier borrowers will receive a rate cut, because they have principal and interest loans.

    Suncorp also announced it was raising interest rates on Friday, and its increase of 0.12 percentage points will affect only property investors.

    The rate increases come after the banking regulator in March unveiled tough new curbs on interest-only lending by banks, amid concerns about “heightened risk” in the property markets of Sydney and Melbourne.

    ANZ’s group executive in charge of its Australian arm, Fred Ohlsson, said the bank’s rate moves were a response to “regulatory obligations”, and a desire to encourage more borrowers to pay back principal on their loans.

    “While we know those only paying interest on their loans will be disappointed, we need to manage our regulatory obligations and we are now required to hold additional capital against our home loans. We also need to better balance our portfolio towards those paying off their homes,” he said.

    We need to better balance our portfolio towards those paying off their homes.

    “There are clear benefits for our customers to be paying off their loans and we have made this as easy as possible by removing fees associated with moving across from interest-only loans.”

    Combined with a fall in lending to property investors in March, Friday’s drop in loan approvals represents the steepest decline in loans to investors since the last time the Australian Prudential Regulation Authority (APRA) was forced to take action against risky investor lending in mid-2015.

    JP Morgan economist Henry St John said there was evidence the Sydney and Melbourne property markets were cooling as the tightening of interest only mortgages placed “fairly immediate downside pressure”.

    House prices fell nationally for the first time in 18 months in May, led by a 1.3 per cent drop in Sydney and 1.7 per cent in Melbourne, according to CoreLogic.

    In good news for first home buyers, loans to those trying to get into the market crept up to 13.9 per cent, from 13.5 per cent in March, but remain at historic lows.

    In recent years, it has been almost unheard of for banks to cut their interest rates on home loans independently of the Reserve Bank.

    The chair of the government’s banking inquiry, David Coleman, this week cited findings that on 19 out of 20 occasions when banks had moved their home loan rates independently from the central bank, customers had been left worse off.

    Suncorp also pointed to regulatory changes in explaining its decision on Friday to raise variable interest rates on investor home loans by 0.12 percentage points.

    Unlike some banks, Suncorp does not charge a separate rate for interest-only loans, which are most popular with property investors.

    Suncorp’s banking and wealth chief executive, David Carter, said the bank was complying with the Australian Prudential Regulation Authority’s restrictions, but it needed to act after other banks raised rates for investors in recent months.

    “With the market having effectively repriced investor lending, and with some lenders having opted out of certain aspects of the investor market, it’s important for us to manage the demand for new business,” he said in a statement.


    NRI Home Loans – Best NRI Loan Interest Rates in India at DHFL, home loan interest rates australia.#Home #loan #interest #rates #australia


    NRI Home Loans

    NRI Home Loans from DHFL will always help you find your dream home, no matter where you are based. Whether you might have settled abroad in the United Kingdom, Europe, America, Australia or the Middle East, owning a home in India is a dream cherished by many. But, many stages that come into that process, from selecting the desired property, availing the right NRI Home Loan to navigating the lengthy application processes, can make buying a home in India from abroad a challenging task.

    At DHFL, we understand and are sensitive to these nuances and offer you a seamless straight through process of buying your dream home through our NRI Home Loan services.

    It is our prime objective to assist you in making your dream home in India a reality. In this journey to help you own a part of your homeland, we provide Home Loans for NRIs that are best suited to your needs.

    Our NRI Home Loans in India can be customised depending on your needs The Home Loan for NRIs comes with attractive interest rates and a flexible pay-back option that can be modified as per your convenience. We believe in maintaining fair terms, total transparency and flexibility thus, you can be assured of the best services while availing our NRI home loans in India.

    NRI Home loans: Own a property in India

    Our NRI Home Loans can be availed for the following purposes:

    • To purchase a new home
    • To purchase a ready built house on resale
    • To construct your own house
    • To extend your house
    • To renovate your house
    • To purchase a plot of land in your preferred city or town
    • To purchase a plot of land in your preferred city or town and construct your house on it

    Eligibility Criteria for NRI Home Loan

    At DHFL, we understand every customer is unique with needs that are different. Hence we have Home loans starting from INR 500,000 to a maximum of 80% of the agreement value or total cost (including stamp duty registration charges) of the flat/ house or plot that you wish to construct or purchase. However, the actual Home Loan amount that you’re eligible for is determined by taking into account various factors such as:

    • Applicant should have a NRI/PIO status and must be working abroad with valid documents namely passport and visa or OCI card, as per RBI guidelines
    • Repayment capacity
    • Age
    • Educational qualifications
    • Stability and continuity of income
    • Number of dependents
    • Co-applicant’s income
    • Assets and liabilities, saving habits, and more

    Maximum Tenure of NRI Home Loan: Up to 20 years

    Living outside our Home country is not always easy. We deeply value of your hard earned money. That’s why we have tenure of up to 20 years, so that EMI is lowered without affecting your Lifestyle and your dreams of owning a property in India.

    NRI Home Loan Interest Rate

    DHFL offers one of the most competitive rates in the market. The Interest rate applicable is based on the DHFL’s Retail Prime Lending Rate (RPLR) which fluctuates from time to time based on the money market conditions.

    Easy Repayments on your NRI Home Loans

    You have 2 options for repayment of the loan based on the EMIs payable:

    • Through ECS (Electronic Clearing Service) based on standing instructions to your bank
    • PDCs (Post Dated Cheques) drawn on your Savings/Salary account

    Legal and Technical Scrutiny

    For easy and hassle free processing of your home loan, DHFL has in house legal and technical team , so your Home Approval process become fast and secure. DHFL does:

    • Studying title deed, link documents and Encumbrance certificate (EC)
    • Scrutinizing EC to ensure all title/link documents pertaining to the property are obtained
    • Verifying documents to check that chain of seller(s) and buyer(s) is properly maintained
    • Scrutinizing title/link documents to ensure that buyer has absolute and marketable title
    • Ensuring that plot does not fall in areas adversely notified by Government and also that the property is not situated in lands notified as Government lands
    • If the property is situated in recently developed, areas appropriate lay out approvals by necessary authorities are provided
    • Whether actual construction is done according to the approved plan etc.

    Home Loan for NRI’s in Middle East

    NRI’s in Middle East, can liaise for their NRI Home loans requirements with our Dubai Representative Office, Call us at 00-971-4-3524905, + 971529134841 / +971505351172 / + 971507549120 or or mail us at [email protected] For more information please visit DHFL Dubai for more details.

    Home Loan for NRI’s in UK Europe

    NRI’s in Europe and UK can can liaise for their NRI Home loans requirements with our London Representative Office, call us at +44 20 8579 1711 or mail us at [email protected] Kindly visit DHFL UK for more details.

    Home Loan for NRI’s in USA

    NRI’s in the USA can liaise for their NRI Home loans with our London Representative Office, call us at +1-347-809-5508 or mail us at [email protected] Kindly visit DHFL USA for more details.

    Home loan interest rates australiaENQUIRY FORM

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    Home loan interest rates australiaBLOG

    Home loan interest rates australiaCALCULATORS


    Get Car Loans – Car Finance, Vehicle Finance, IMB Australia, car loans australia.#Car #loans #australia


    Buying a car

    Car loans australia Car loans australia

    Buying a new car is an exciting time, but can also be stressful. You want to make sure you’re getting the best deal on your car and on your car loan. So, whether you’re looking for your first car or you’re upgrading to accommodate the family, it’s important to be prepared before you go shopping!

    Research prices before you leave home. You can do this by looking online, talking to dealers over the phone and looking at the car section of your local newspaper. This should give you a basic understanding of the cost of the car you’re looking at so you’ll know what’s a good deal and what’s not.

    Be wary of some dealer promotions, for example; ‘free on-road costs’ does not always mean ‘drive-away price’. Dealer delivery charges could still apply.

    Never settle for the first price you see – it’s a good idea to get quotes from at least three dealers before signing on the dotted line. You could save a bit of money, but at the very least you’ll know you’re getting a fair deal.

    Have a list of non-negotiable criteria including the maximum price you are willing to pay and features that are important to you such as fuel economy, number of airbags, anti-lock brakes, air conditioning and engine immobilisers. This will help focus your search and help you stay on budget.

    A thorough test-drive is crucial. Even if the car you want is just an updated version of the one you have, there may be some important changes you don’t know about.

    Take at least 20 minutes and drive at least 10km over a variety of roads (e.g. suburban streets, arterial roads and, if possible, a highway). Try parallel parking and a U-turn to test the steering and all-round vision.

    Products that might be of interest:

    Normal IMB lending criteria, terms and conditions, fees and charges apply. Full loan terms and conditions are available upon request from any IMB branch or by calling 133 462, 8:00am to 8:00pm Mon-Fri, or 9:00am to 4:00pm Saturday. This information is provided to assist you in making your purchase. It does not take into account everything you need to consider when purchasing a car and should not be relied upon solely in making your purchase. *This comparison rate is based on a secured loan amount of $30,000 and a term of 5 years. WARNING: 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.

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