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Example Interest Rates: Home Loan Variable: 1.89% (1.9%*) • Home Loan Fixed: 1.84% (2.11%*) • Fixed: 1.84% (2.11%*) • Variable: 1.89% (1.9%*) • Investment IO: 2.05% (4.36%*) • Investment PI: 1.58% (2.72%*)

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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 May 5, 2022  Effective May 8, 2022

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information P&I, Residential Investment (with Offset Account)
Interest Rate
2.19% PA
Comparison Rate
2.34%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. 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.
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, 2.7%
  • Lending Rate Type: Variable
  • Interest Rate: 2.7%, Comparison Rate 2.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.7%
  • Lending Rate Type: Variable
  • Interest Rate: 2.7%, Comparison Rate 2.8%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.47%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.47%, Comparison Rate 2.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.44%, Comparison Rate 2.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.66%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.66%, Comparison Rate 2.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.83%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.83%, Comparison Rate 2.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.9%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.9%, Comparison Rate 3.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.47%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.47%, Comparison Rate 2.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.44%, Comparison Rate 2.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.66%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.66%, Comparison Rate 2.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.83%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.83%, Comparison Rate 2.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.9%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.9%, Comparison Rate 3.1%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.15%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.15%, Comparison Rate 3.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.71%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.71%, Comparison Rate 3.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.63%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.63%, Comparison Rate 3.41%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.96%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.96%, Comparison Rate 3.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.08%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.08%, Comparison Rate 3.84%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.15%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.15%, Comparison Rate 2.96%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.71%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.71%, Comparison Rate 3.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.63%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.63%, Comparison Rate 3.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.96%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.96%, Comparison Rate 3.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.08%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.08%, Comparison Rate 3.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.19%
  • Lending Rate Type: Variable
  • Interest Rate: 2.19%, Comparison Rate 2.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.19%
  • Lending Rate Type: Variable
  • Interest Rate: 2.19%, Comparison Rate 2.2%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.65%
  • Lending Rate Type: Variable
  • Interest Rate: 2.65%, Comparison Rate 2.89%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 2.65%
  • Lending Rate Type: Variable
  • Interest Rate: 2.65%, Comparison Rate 2.78%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.62%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.62%, Comparison Rate 3.05%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.48%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.48%, Comparison Rate 3.26%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.86%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.86%, Comparison Rate 3.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.03%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.03%, Comparison Rate 3.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.1%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.1%, Comparison Rate 3.89%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.62%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.62%, Comparison Rate 2.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.48%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.48%, Comparison Rate 3.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.86%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.86%, Comparison Rate 3.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.03%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.03%, Comparison Rate 3.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.1%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.1%, Comparison Rate 3.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.15%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.15%, Comparison Rate 3.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.91%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.91%, Comparison Rate 3.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.93%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.93%, Comparison Rate 3.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.16%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.16%, Comparison Rate 3.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.43%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.43%, Comparison Rate 3.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.15%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.15%, Comparison Rate 2.96%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.91%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.91%, Comparison Rate 3.2%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.93%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.93%, Comparison Rate 3.37%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.16%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.16%, Comparison Rate 3.6%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.43%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.43%, Comparison Rate 3.86%
  • 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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