---
title: "Non-Conforming Home Loan - Ignite Near Prime Alt Doc — Mortgage Choice Ignite"
description: "Home Loans from Mortgage Choice Ignite. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/mortgage-choice-ignite/products/MOC02032
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T01:36:12Z
---

# Non-Conforming Home Loan - Ignite Near Prime Alt Doc — Mortgage Choice Ignite

> Home Loans from Mortgage Choice Ignite. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our home loan gives you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for eligible variable interest rate loans to add 100% interest offset sub-account(s) and VISA debit card+ access (monthly fees apply).

## At a glance

- **From (owner occupied):** 7.89% (8.15% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 7.89% | 8.15% | Up to 55 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 7.89% | 8.15% | >55 - 65 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 7.89% | 8.15% | >65 - 70 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 7.99% | 8.25% | >70 - 75 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.09% | 8.35% | >75 - 80 |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.39% | 8.26% | Up to 55; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.39% | 8.26% | >55 - 65; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.39% | 8.26% | >65 - 70; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.49% | 8.36% | >70 - 75; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.49% | 8.33% | Up to 55; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.49% | 8.33% | >55 - 65; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.49% | 8.33% | >65 - 70; Fixed Rates 3 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.59% | 8.46% | >75 - 80; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.59% | 8.44% | >70 - 75; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.69% | 8.54% | >75 - 80; Fixed Rates 3 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.69% | 8.53% | Up to 55; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.69% | 8.53% | >55 - 65; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.69% | 8.53% | >65 - 70; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.79% | 8.63% | >70 - 75; Fixed Rates 5 years comparison rates |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.89% | 9.15% | >80 - 85 |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.89% | 8.73% | >75 - 80; Fixed Rates 5 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.89% | 8.76% | Up to 55; Fixed Rates 7 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.89% | 8.76% | >55 - 65; Fixed Rates 7 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.89% | 8.76% | >65 - 70; Fixed Rates 7 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.99% | 8.86% | >70 - 75; Fixed Rates 7 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.09% | 8.96% | >75 - 80; Fixed Rates 7 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.29% | 9.22% | Up to 55; Fixed Rates 10 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.29% | 9.22% | >55 - 65; Fixed Rates 10 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.29% | 9.22% | >65 - 70; Fixed Rates 10 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.39% | 9.26% | >80 - 85; Fixed Rates 2 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.39% | 9.32% | >70 - 75; Fixed Rates 10 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.49% | 9.35% | >80 - 85; Fixed Rates 3 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.49% | 9.43% | >75 - 80; Fixed Rates 10 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.69% | 9.54% | >80 - 85; Fixed Rates 5 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.89% | 9.77% | >80 - 85; Fixed Rates 7 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 10.29% | 10.24% | >80 - 85; Fixed Rates 10 years comparison rates |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.19% | 8.27% | Up to 55 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.19% | 8.27% | >55 - 65 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.19% | 8.27% | >65 - 70 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.29% | 8.37% | >70 - 75 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.39% | 8.47% | >75 - 80 |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.69% | 8.32% | Up to 55; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.69% | 8.32% | >55 - 65; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.69% | 8.32% | >65 - 70; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.79% | 8.41% | >70 - 75; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.79% | 8.42% | Up to 55; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.79% | 8.42% | >55 - 65; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.79% | 8.42% | >65 - 70; Fixed Rates 3 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.89% | 8.52% | >75 - 80; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.89% | 8.52% | >70 - 75; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.99% | 8.62% | >75 - 80; Fixed Rates 3 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.99% | 8.65% | Up to 55; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.99% | 8.65% | >55 - 65; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.99% | 8.65% | >65 - 70; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.09% | 8.75% | >70 - 75; Fixed Rates 5 years comparison rates |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.19% | 9.28% | >80 - 85 |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.19% | 8.85% | >75 - 80; Fixed Rates 5 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.69% | 9.32% | >80 - 85; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.79% | 9.43% | >80 - 85; Fixed Rates 3 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.99% | 9.67% | >80 - 85; Fixed Rates 5 years comparison rates |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.24% | 8.5% | Up to 55 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.24% | 8.5% | >55 - 65 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.24% | 8.5% | >65 - 70 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.34% | 8.6% | >70 - 75 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.44% | 8.7% | >75 - 80 |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.74% | 8.61% | Up to 55; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.74% | 8.61% | >55 - 65; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.74% | 8.61% | >65 - 70; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.84% | 8.71% | >70 - 75; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.84% | 8.69% | Up to 55; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.84% | 8.69% | >55 - 65; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.84% | 8.69% | >65 - 70; Fixed Rates 3 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.94% | 8.81% | >75 - 80; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.94% | 8.79% | >70 - 75; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.04% | 8.89% | >75 - 80; Fixed Rates 3 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.04% | 8.88% | Up to 55; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.04% | 8.88% | >55 - 65; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.04% | 8.88% | >65 - 70; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.14% | 8.99% | >70 - 75; Fixed Rates 5 years comparison rates |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.24% | 9.5% | >80 - 85 |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.24% | 9.09% | >75 - 80; Fixed Rates 5 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.24% | 9.12% | Up to 55; Fixed Rates 7 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.24% | 9.12% | >55 - 65; Fixed Rates 7 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.24% | 9.12% | >65 - 70; Fixed Rates 7 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.34% | 9.22% | >70 - 75; Fixed Rates 7 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.44% | 9.32% | >75 - 80; Fixed Rates 7 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.64% | 9.58% | Up to 55; Fixed Rates 10 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.64% | 9.58% | >55 - 65; Fixed Rates 10 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.64% | 9.58% | >65 - 70; Fixed Rates 10 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.74% | 9.62% | >80 - 85; Fixed Rates 2 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.74% | 9.68% | >70 - 75; Fixed Rates 10 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.84% | 9.7% | >80 - 85; Fixed Rates 3 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.84% | 9.78% | >75 - 80; Fixed Rates 10 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 10.04% | 9.89% | >80 - 85; Fixed Rates 5 years comparison rates |
| Fixed · 7 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 10.24% | 10.13% | >80 - 85; Fixed Rates 7 years comparison rates |
| Fixed · 10 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 10.64% | 10.59% | >80 - 85; Fixed Rates 10 years comparison rates |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.54% | 8.63% | Up to 55 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.54% | 8.63% | >55 - 65 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.54% | 8.63% | >65 - 70 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.64% | 8.73% | >70 - 75 |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 8.74% | 8.82% | >75 - 80 |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.04% | 8.67% | Up to 55; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.04% | 8.67% | >55 - 65; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.04% | 8.67% | >65 - 70; Fixed Rates 2 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.14% | 8.77% | >70 - 75; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.14% | 8.77% | Up to 55; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.14% | 8.77% | >55 - 65; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.14% | 8.77% | >65 - 70; Fixed Rates 3 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.24% | 8.87% | >75 - 80; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.24% | 8.87% | >70 - 75; Fixed Rates 3 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.34% | 8.97% | >75 - 80; Fixed Rates 3 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.34% | 9% | Up to 55; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.34% | 9% | >55 - 65; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.34% | 9% | >65 - 70; Fixed Rates 5 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.44% | 9.11% | >70 - 75; Fixed Rates 5 years comparison rates |
| Variable (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.54% | 9.63% | >80 - 85 |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 9.54% | 9.21% | >75 - 80; Fixed Rates 5 years comparison rates |
| Fixed · 2 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 10.04% | 9.68% | >80 - 85; Fixed Rates 2 years comparison rates |
| Fixed · 3 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 10.14% | 9.79% | >80 - 85; Fixed Rates 3 years comparison rates |
| Fixed · 5 years (Loan Loading >$1.5M, loading of + 0.50% applies to the base rate.) | 10.34% | 10.03% | >80 - 85; Fixed Rates 5 years comparison rates |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Non-Conforming Establishment Fee — Charged once at loan establishment for non-conforming residential mortgage applications. | Upfront | $995.00 |
| Non-Conforming Admin Fee — Charged monthly · Charged monthly per account split for ongoing administration of the loan. | Ongoing | $15.00 |
| Legal Fee — Covers standard legal costs incurred at loan establishment. | Upfront | $330.00 |
| Legal Disbursements — Third-party legal costs such as searches and registrations, charged at cost. | Upfront | Variable |
| Discharge Fee — Charged per plan when the loan is fully discharged. | Exit | $500.00 |
| Fixed Rate Lock Fee — Applies to fixed rates only if Rate Lock option is requested. | Upfront | 0.15% of balance |
| Valuation Fee — One standard valuation included. | Upfront | Variable |
| Risk Fee — Risk Fee may be payable depending on loan amount and LVR. | Upfront | Variable |

## Features

- **Offset account** (100% Interest Offset sub-account. Manage loan interest charged with an Offset sub-account. Not available during Fixed Rate term.)
- **Redraw facility** (Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time. Not available during Fixed Rate term.)
- **Card access** — Visa Debit Card (including payWave). Access additional advances with a Visa Debit Card.
- **Extra repayments** (Additional repayments. Make extra repayments at any time, subject to terms and conditions.)
- **Flexible Loan Terms. 10-40 year loan terms are available (maximum 30 years for Interest Only).**
- **Digital banking** (Provides borrowers online access to view and manage loan accounts.)
- **Repayment option - choose between variable and interest only (max 5 years) repayments.**

## Eligibility

- **Minimum age** — 18 years (Individual borrower must be 18 years + to enter into a contract.)
- **Residency status** — Only available to Australian Citizens or Permanent Residents.
- **All applications are subject to credit assessment and eligibility criteria.**

## Constraints

- **Minimum limit** — $50,000.00

## Data provenance

- Published by Mortgage Choice Ignite under the Consumer Data Right
- Product ID: `MOC02032`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-choice-ignite/MOC02032
- Provider page: https://www.cdrcompare.au/brands/mortgage-choice-ignite

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-choice-ignite/products/MOC02032) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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