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Award-winning home loans, delivered simply. Whether you're a first-time buyer or refinancing an investment property, we've got the loan for you.
Category: Home Loans  Last Updated February 2, 2021  Effective June 4, 2021

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT PRINCIPAL_AND_INTEREST. Additional Information P&I, Owner Occupied (with Offset Account)
Interest Rate
2.92%PA
Comparison Rate
3.06%PA*
Product rates will vary depending upon your financial position. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

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Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  INVESTMENT, VARIABLE, 2.92%
  • Lending Rate Type: Variable
  • Interest Rate: 2.92%, Comparison Rate 2.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 4.62%
  • Lending Rate Type: Variable
  • Interest Rate: 4.62%, Comparison Rate 3.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 4.62%
  • Lending Rate Type: Variable
  • Interest Rate: 4.62%, Comparison Rate 3.4%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 1.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 1.89%, Comparison Rate 2.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 1.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 1.89%, Comparison Rate 2.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 1.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 1.99%, Comparison Rate 2.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 2.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 2.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 1.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 1.89%, Comparison Rate 2.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 1.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 1.89%, Comparison Rate 2.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 1.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 1.99%, Comparison Rate 2.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 2.3%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 2.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.72%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.72%, Comparison Rate 2.77%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.72%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.72%, Comparison Rate 2.78%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.72%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.72%, Comparison Rate 2.78%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.32%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.32%, Comparison Rate 3.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.32%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.32%, Comparison Rate 3.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.72%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.72%, Comparison Rate 2.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.72%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.72%, Comparison Rate 2.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.72%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.72%, Comparison Rate 2.66%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.32%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.32%, Comparison Rate 3.5%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.32%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.32%, Comparison Rate 3.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.33%
  • Lending Rate Type: Variable
  • Interest Rate: 2.33%, Comparison Rate 2.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.33%
  • Lending Rate Type: Variable
  • Interest Rate: 2.33%, Comparison Rate 2.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.63%
  • Lending Rate Type: Variable
  • Interest Rate: 2.63%, Comparison Rate 2.75%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.63%
  • Lending Rate Type: Variable
  • Interest Rate: 2.63%, Comparison Rate 2.64%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.17%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.17%, Comparison Rate 2.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 2.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.25%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.25%, Comparison Rate 2.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.79%, Comparison Rate 2.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 2.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.17%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.17%, Comparison Rate 2.6%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 2.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.25%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.25%, Comparison Rate 2.55%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.79%, Comparison Rate 2.69%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 2.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.39%, Comparison Rate 2.75%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 2.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 2.75%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 2.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.09%, Comparison Rate 2.92%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.39%, Comparison Rate 2.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 2.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 2.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 2.75%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.09%, Comparison Rate 2.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw Additional Information: Online redraw available
  • Other Additional Information: Unlimited additional repayments if variable, up to $20,000pa when fixed
  • Other Additional Information: Variable or Fixed Rate
  • Offset Additional Information: 100% Offset Account available on Fixed and Variable rate loans

 Product Eligibility

  • Min Age - 18.

 Bank Fees and Charges

  • Loan Processing Fee (Upfront), Amount: 0.00.
  • Additional Processing Fee Per Split Loan (Event), Amount: 0.00.
  • Settlement Fee (Upfront), Amount: 0.00.
  • Valuation Fee (Upfront), Amount: 0.00.
  • Search Processing Fee (Upfront), Amount: 0.00.
  • Online Redraw Fee (Event), Amount: 0.00.
  • Repayment Recalculation Fee (Event), Amount: 50.00. Additional Information: This fee is charged each time you request that we agree to a decrease in your repayments
  • Loan Variation Fee - Simple (Event), Amount: 200.00. Additional Information: This fee is charged if you apply for us to: Vary your existing contract, Convert to another annual percentage rate, Agree to a request to a consent or change of borrower details, Release or substitute a security (a discharge administration fee may also be payable)
  • Loan Variation Fee - Complex (Event), Amount: 350.00. Additional Information: This fee is charged if you apply for us to • Change your product • Remove a guarantor • Increase your loan • Agree to a sub division
  • Discharge Administration Fee (Event), Amount: 325.00.
  • Offset Admin Fee (Periodic), Amount: 10.00.
  • Documentation Fee (Upfront), Amount: 0.00.

 Limitations & Restrictions (Constraints)

  • Opening Balance of 10000
  • Min Limit of 1

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Related Variable Home Loans
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Comparison*
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