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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkCompare
Important Information and Comparison Rate Warning

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of .

Once known as the Bank of Cyprus Australia, Delphi Bank has been providing customers with financial and banking services since the year 2000 – a commitment that took on a new dimension when it was acquired by Bendigo and Adelaide Bank in 2012.

With offices in Queensland, Victoria, New South Wales, and South Australia, Delphi's fifteen branches allow them a level of flexibility that can't be matched by larger banks. What does this mean for prospective borrowers? It means that individual solutions are actually individual, and the bank's commitment to personalised service means that they usually offer competitive interest rates and minimal fees.

Like their parent bank, Delphi is committed to ethical excellence in banking, and complies with a wide range of customer-focused ethics practices including the Code of Operation for Department of Human Services and Department of Veterans' Affairs Direct Credit Payments, the Code of Banking Practice, the ePayments Code and the Family Law Guidelines. All of which have been developed in accordance with the Code of Banking Practice.

It's important to keep in mind that potential customers cannot complete a home loan application with Delphi Bank online. In order to begin the home loan process, borrowers can visit a local branch or speak to a bank advisor over the phone.

Once you decide to make the first steps towards getting a home loan, you will need to be able to prove and provide the following information:

  • You will need to be at least 18 years of age
  • Proof of Identification: Enough to pass the 100 point check, which can include your passport, birth certificate, etc. You will need at least one photographic ID and one other form of ID in most cases.
  • You will need to be able to provide evidence of your financial details when you apply, so make sure you hang on to your tax returns, pay slips, and other financial details.
  • A list of your income against your expenses, which will show the lender a more complete view of your current financial situation as far as incoming and outgoing cash flow is concerned.
  • A list of assets and debts - assets include things like existing properties and investments as well as savings, while debts are any open lines of credit or other loans, etc.
  • Details about the property you're planning to buy, such as the price of the property and how much you are looking to borrow.