Ratehacker: September’s Best Credit Card, Savings Account And Home Loan Deals

In our monthly Ratehacker round-up, Jeremy Cabral from comparison site finder.com.au highlights the latest credit card deals, plus the best savings accounts and home loans.

Home Loans

September heralds the start of “mortgage season”, with an uptick in people buying new properties. That makes finding a good home loan deal essential. With no change in the official RBA rate this month, we’re not likely to see major changes for a while. Pay close attention to all costs, and remember that the comparison rate for a loan includes applicable fees and charges.

Feature: Variable rate home loan

loans.com.au Essentials Home Loan: 3.39% variable rate The variable rate (with an equivalent comparison rate of 3.41%) is one of the lowest on the market right now. It’s only available for new purchases that are owner-occupied, and you’ll need a 20% deposit to qualify.

Feature: Introductory rate home loan

IMB Accelerator Home Loan: Rate discounted by 0.5% for first two years The current variable rate for this loan is 3.64% (comparison rate 4.39%). It’s available for both owner-occupiers and investors.

Credit Cards

Feature: 0 percent balance transfer and bonus frequent flyer points

Virgin Australia Velocity Flyer Card: 0% on balance transfers for 18 months As well as a long-term balance transfer deal, this card offers an additional 2 Velocity Points for eligible purchases in the first 3 months of use. Note that you’re capped at a maximum of 10,000 points earned per month.

Feature: Cash back offer

ANZ Platinum Credit Card: $200 cash back when you spend $500 in the first 3 months The annual fee for this card is also waived in the first year (it’s $87 in subsequent years). The minimum credit limit is $6,000. This offer is only available for applications through finder.com.au.

Savings Accounts

Feature: Bonus interest rate

RAMS Saver Account: 3.15% maximum variable rate To qualify for the 3.15% rate, you need to deposit at least $200 each month and make no withdrawals. If you don’t meet those conditions, the rate drops to 1.50%.

Transaction Accounts

Feature: Signup bonus

St.George Complete Freedom Account: $50 accounting opening bonus Sign up for this transaction account before 30 September 2016 and deposit at least $500 into the account and you’ll receive a $50 bonus. The account has a monthly fee of $5, but you can avoid this if you deposit at least $2,000 in the account each month.

Personal Loans

Feature: Fixed rate new car loan

Beyond Bank Low Rate Car Loan: Rate from 5.69% per annum This loan is available for vehicles that are new or less than two years old. The application fee is $175, and the minimum amount is $25,000. There are no early repayment fees.

Travel Insurance

Feature: Policy discount

Columbus Direct Travel Insurance: 10% off policies Score a discount on your travel insurance with this finder.com.au exclusive coupon.

Jeremy Cabral is the Publisher at finder.com.au and finder.com which includes tools to compare credit cards, find savings accounts and pick the best mobile phone plans, and a constantly updated database of discounts and coupon codes. Connect with Jeremy on Twitter, LinkedIn and Google+.

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