The home loan market has always been a competitive one. At the moment it’s the smaller lenders who are really stepping up and beating the big lenders at their own game. While the big banks increased their interest rates towards the end of 2015 some of the smaller ones actually DECREASED rates so yes, it’s still possible to get a genuinely cheap home loan at 3.99%pa! Better still, some lenders are offering cash incentives to win your business! How does 3.99%pa variable sound, with an offset account and a serve of $1,000 cash? Of course lending criteria applies so call Mortgage Choice in Gymea on 02 9525 4544 to see what you can do.