Link Simple Home Loan
LJ Hooker's Link Simple Home Loan is a no‑frills mortgage designed for straightforward home financing, offering competitive variable rates with principal and interest repayments only. Borrow up to $2,000,000 (up to 90% LVR), make unlimited extra repayments, and access funds anytime with a convenient redraw facility - all with no ongoing fees.
- From (owner occupied)
- 6.44%
- 6.5% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.44% | 6.5% | LVR (Loan to Value Ratio) |
| Variable | 6.54% | 6.6% | LVR (Loan to Value Ratio) |
| Variable | 6.64% | 7.1% | LVR (Loan to Value Ratio) |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.64% | 6.7% | LVR (Loan to Value Ratio) |
| Variable | 6.74% | 6.8% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Documentation Fee A fee charged for preparing and processing the loan documentation required for settlement. | Event | $300.00 |
| Discharge Documentation Fee A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. | Exit | $250.00 |
| Valuation Fee A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount. | Event | From $221.00 |
| Application Fee No application fee is charged when setting up the loan. | Upfront | $0.00 |
| Settlement Fee A one-time fee charged at the time of loan settlement to cover processing and completion of the mortgage and funding of the loan. | Event | $300.00 |
| Discharge Administration Fee A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. | Exit | $300.00 |
Features
- Redraw facility
- Enables access to any extra repayments made, allowing funds to be withdrawn if needed.
- Extra repayments
- Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster.
Eligibility
- Minimum age — 18 yearsApplicants must be at least 18 years old to apply for this loan.
- Residency status — Applicants who are Australian or New Zealand citizens residing and working overseas (expatriate).
Constraints
- The loan term must be at least 15 years. — P15Y
- The loan term cannot exceed 30 years. — P30Y
- Minimum limit — $50,000.00The minimum application amount that can be borrowed is $50,000.
- Maximum limit — $2,000,000.00The maximum application amount available under this product is $2,000,000.
Published by LJ Hooker Home Loans under the Consumer Data Right · Last updated 10 July 2026 · Product ID link-simple