Congratulations on your decision to purchase a property!
Buying a home is often as nerve-wrecking as it is exciting. Luckily our friendly Lending Managers are here to help you through the process and turn your dream into a reality.
Features & benefits
Our Residential Home Loan is an appealing choice for buyers wanting to buy their first home or a new home.
Attractive terms
With our J Trust Royal Home Loan you can borrow up to 80% of the value of the property at low and competitive interest rates for up to 20 years.
Repayment flexibility to suit you
Our redraw facility gives you control over how you repay your loan. If you have spare money in your savings, you can pay this onto the loan ahead of schedule. You can also borrow money you have already repaid with the same interest rate as your existing loan.
Your mortgage made easy
Keep track of your payments and progress using J Trust Royal Bank’s convenient and easy-to-use Internet Banking and JTR Mobile tools.
Transparent fees
All fees associated with opening a Home Loan will be communicated with you clearly and early-on so you know exactly what to expect.
The numbers
Interest rate | 8.75% p.a. |
Loan approval fee | 1% of loan amount |
Minimum loan amount | US$21,000 |
Maximum loan amount | Up to 80% of the property valuation or US$1.5M (whichever is lower) |
Maximum loan term | 20 years |
Early repayment fee | 3% for lump sum payment within lock-in period |
Redraw fee | US$100 |
One-off associated costs | Property valuation: US$150-$250 Legal fee: $200 Collateral title deed registration: starts from $185* |
Other one-off associated costs | Fire insurance (must be renewed annually) |
Interest rate is calculated daily and charged at the end of each month.
All of these fees are subject to change without notice.
How to apply
- Read our guide: '7 steps to purchase your property' so you know what to expect from the application process.
- Please fill in this short home loan enquiry form and one of our expert Lending Managers will contact you within one business day.
- Be sure to review our pricing and terms and conditions.
Write to Us
Fill in an online home loan enquiry form to kick-start the loan process.
Home Loan Enquiry