Promo Terms and Conditions

Please check this page for the terms and conditions of any promotions currently being run by EverSharp Finance. If you have any queries or concerns about the conditions of our promotions, please feel free to contact us by email at admin@eversharpfinance.com.au or by phone on 1300 299 486. By entering into a promotion that is currently being run by EverSharp Finance, you are agreeing to the terms and conditions stipulated for that promotion.


Is your rate under 4% as advertised on Facebook on 5th September 2018 

Finance Terms are subject to bank final approval and meeting all banks criteria, lending guidelines and policies.

  • Subject to meeting bank loan to value ratios
  • Lending terms and conditions
  • Rates will very depending on if loan is Owner Occupied or Investment Loan or Princple and Interest or Interest Only




Discounted Interest Rate as adverstised on Facebook 3.68%* 

 

Finance Terms are subject to bank final approval and meeting all banks criteria, lending guidelines and policies.

  • No establishment fee for applicants that are new to bank lending.
  • New lending only
  • Variable Interest rate only
  • Minimum loan amount of $150k
  • Available for owner occupied loans Principle and Interest Only (Investment rates are available please call to find out rates and terms)
  • Redraw available
  • No offset account - (Offset available with the Pro Pack at variable interest rate of 3.79%) annual fees apply unless first home owner then annual fee is waived for life of the loan
  • Flexible repayments
  • A maximum LVR of 90% Including Lenders Mortgage Insurance applies
  • Everyday Basics transaction account must be opened with product
  • Comparison rate of 3.69* (discount rate of -1.29%)

 

Terms & Conditions 
 

Basics interest rate changes
Basic Special Offers are valid from 12 September  2017 until withdrawn. An Everyday Basics transaction account will be opened for all new customers that do not already hold a Bank transaction account. 
Pre-approvals are excluded.
Home Package Plus and Standard Interest Rates are effective from 12 September 2017
Annual Interest in Advance Loans are effective from 12 September 2017
The Home Package Plus Discounts are applied for as long as the home loan remains part of the Home Package Plus. 
Interest rates and discounts are subject to change without notice. Discounts margins may be withdrawn at any time before a contract is entered into. Discounts are applied to the applicable Standard Interest Rate at the day Settlement.
^The standard Fixed Rate offered on the day of settlement of the loan will apply unless the rate is secured by paying a Guaranteed Rate Fee. At expiry of the Fixed Rate period, the rate will revert to the applicable Standard Variable Interest Rate less any applicable margin discount specified in your credit contract.
Loan to Value Ratio (LVR) limits are inclusive of Lenders Mortgage Insurance (LMI) where applicable. Loans with LVR limits of 90% to ≤95% are only available with a repayment type of principal and interest. A repayment type of interest only is available on loans with an LVR limit < 90%. 
*#Each comparison rate is based on $150,000 over 25 years. WARNING: These comparison rates apply 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.


Free Mortgage Health Check $450 back

  • Minimum loan amount of $200,000.
  • Loan must proceed to settlement in order for gift voucher to be received
  • Subject to individual banks lending criteria and assessments for formal approval
  • Gift will be provided one month after settlement of your loan
  • Facebook ads promotion for March to June 2017 only

Discounted Interest Rate of 3.73%* variable or 3.74%* fixed as advertised on Facebook

 

Finance Terms are subject to bank final approval and meeting all banks criteria, lending guidelines and policies.

  • No establishment fee for applications
  • Option to fix full loan or split between fixed and variable or just variable
  • Available for owner occupied loans Principle and Interest Only (Investment rates are available please call to find out rates and terms)
  • Redraw available
  • No offset account - (Offset available with the Pro Pack at variable interest rate of 3.84%) annual fees apply
  • Fixed rate of 3.74% for 2 or 3 years is available with the Pro Pack Package (annual fees apply)
  • Flexible repayments
  • A maximum LVR of 90% Including Lenders Mortgage Insurance applies
  • New to bank customers only

 

"*Comparison Rate. The Comparison Rate is based on a loan of $150,000 for 25 years. Fees and charges may be applicable.

IMPORTANT: 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.

Loans subject to normal lending criteria and approval. Rates apply to applications received from 30/04/2017 however are subject to change at anytime. Offer available to new and existing borrowers. For existing borrowers the new loan funds must exceed $150,000."

 


Sharing is Caring - $100 Gift Voucher Referral Promotion as advertised on Facebook January 2017 ($100 gift voucher to referrer and $100 gift voucher to applicant)

  • Minimum loan amount of $200,000.
  • Loan must proceed to settlement in order for $100 gift voucher to be received to the referrer and applicant of loan
  • Subject to individual banks lending criteria and assessments for formal approval
  • Gift vouchers will be provided one month successful settlement of the loan
  • Promotion applies to finance lodged for full application during 2017

  • Discounted Interest Rate of 3.59%* as advertised on Facebook

    https://www.facebook.com/EverSharpFinance/photos/a.578073755678576.1073741828.573345202818098/724219297730687/?type=3&theater

    Finance Terms are subject to bank final approval and meeting all banks criteria, lending guidelines and policies.

    • No establishment fee for applications received prior to 31/12/2016 (excludes investment loans)
    • Option to fix full loan or split between fixed and variable
    • Available for investment purpose
    • Interest only option available
    • Redraw available
    • Loan repayment pause available
    • Flexible repayments
    • A maximum LVR of 80% applies
  •  

    "*Comparison Rate. The Comparison Rate is based on a loan of $150,000 for 25 years. Fees and charges may be applicable.

    IMPORTANT: 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.

    $595 establishment fee for applications received prior to 31/12/2016 (excludes investment loans)

    Loans subject to normal lending criteria and approval. Rates apply to applications received from 25/10/16 however are subject to change at anytime. Offer available to new and existing borrowers. For existing borrowers the new loan funds must exceed $100,000. Excludes investment loans."


    $450 Gift Voucher Referral Promotion

    • Minimum loan amount of $200,000.
    • Loan must proceed to settlement in order for gift voucher to be received
    • Subject to individual banks lending criteria and assessments for formal approval
    • Gift will be provided one month after settlement of your loan
    • Promotion applies to finance lodged for full application during the months of June, July and August 2016

  • Discounted Interest Rate as advertised on Facebook

    https://www.facebook.com/EverSharpFinance/photos/a.578073755678576.1073741828.573345202818098/707876966031587/?type=3&theater

    Finance Terms are subject to bank final approval and meeting all banks criteria, lending guidelines and policies.

    Application Fee Waived

    No Annual Fee

    $330 Settlement Fee

    100% offset account

    Note - Restriction apply to 80% Loan to Value Ratio Prime Requirements - exclusions to the loan are:

    * Non-Metro Properties

    * Inner City Properties

    * Vacant land / Construction Properties

    * Established properties exceeding 0.25 hectare (2500m2)

    * High density (both off plan purchases and established building with greater than 15 dwellings)

    * Loans > $1million