Advertised rates are starting rates for the strongest profiles. Your rate depends on your income type, salary transfer, loan size, property and credit score.
- No salary transfer: usually a little higher
- Self-employed or non-resident: higher pricing bands
- Smaller loan: the best rates often need a minimum loan size
- Property type: off-plan, hotel apartments and older buildings can cost more
- Fees: a lower rate may come with higher fees, or the reverse
Compare the total cost over the fixed period, not just the rate.
Related: Current rates · Credit score
