Would you like a lower rate?


Do you want to reduce your home or investment loan rate to less than 3% for one year, without fixing your rate?

house keys

By simply re-financing with Onyx you will be entered into a draw to pay only 2.99% per annum variable rate for one year. There is a one in ten chance to win.

Onyx will pay the difference between the new rate of your settled loan and 2.99%.

As an example if you settled a new investment loan at 4.5% per annum on a loan of $450,000, Onyx would rebate the difference between 4.5% and 2.99%.

In this example Onyx would deposit $567 every month for 12 months into the your loan account prior to your loan repayment being due. This extra payment has the potential to save you tens of thousands of dollars over the life of the loan.

Borrowers are refinancing in record numbers to achieve a better structured, lower rate loan, so now you have an opportunity to not only reduce your interest rate but have a 1 in 10 chance for Onyx to lower the rate to the equivalent of 2.99%. p.a.

If you refinance more than one loan you can enter the draw for every loan you settle with Onyx.

We think this a fun and rewarding way for you check out if your current loans are competitive and also to put some extra cash onto your loan (or into your pocket if you prefer!!)

Fill in your details below for your chance to win!

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Terms & Conditions:
1.     This competition is being conducted by Onyx Finance Pty Ltd (ABN 84 100 509 386), Level 1 242 Hawthorn Road, Caulfield, 3162.
2.     The competition is open to all existing and new clients of Onyx Finance Pty Ltd, both Australian residents and non-residents.
3.     One winner will be announced from every ten qualifying loans that settle before the 30 June 2016.

4.     Qualifying loans must be full-doc, variable rate, residential mortgages secured on Australian residential properties, settled between 1 April 2016 and 30 June 2016.
5.     Loan amount can be any value. Payment will be based on a maximum loan value of $450,000. 
6.     The payment will be calculated on the difference between the variable interest rate applicable at settlement and 2.99%, up to a maximum of $600 per month for 12 months.
7.     The prize will be credited monthly to an account as directed by you, prior to your loan repayment being due.
8.    Lo-doc, SMSF and commercial loans do not qualify for the competition.

9.    No prize will be awarded for any period that the loan is in arrears and default interest has been charged to the loan.
10.  A live draw will occur on Skype, within two business days following the settlement of every tenth loan.  Winners will be notified and published at