If you are borrowing more than $300,000 - or with some lenders, even from $150,000, the options you have in terms of discounted interest rates and flexibility in loan terms starts to increase. The more you borrow, typically the better interest rate terms you can negotiate. Be aware also that even as higher borrowings might buy you a better interest rate, there is still no point in paying fees for options you don't need, no matter how much you borrow. Options often relate more to your circumstance, finance structures and lifestyle than the amount of money you borrow. Always consider these carefully as well.

You can get up to .92% off
X Inc has at least one lender who offers .92% off the mainstream standard variable interest rate if you are borrowing more than $300,000. It is a reasonably flexible home loan which also rewards your loyalty with a rate drop of an extra 0.1% off the final rate after five years. Talk to your X Inc mortgage broker about the option that would best suit you.