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Example Interest Rates: Home Loan Variable: 2.54% (2.74%*) • Home Loan Fixed: 3.74% (3.8%*) • Fixed: 2.48% (2.94%*) • Variable: 2.54% (2.74%*) • Investment IO: 2.3% (3.76%*) • Investment PI: 2.04% (3.8%*)

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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 July 24, 2022  Effective August 3, 2022

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information P&I, Owner Occupied (with Offset Account)
Interest Rate
3.09% PA
Comparison Rate
3.23%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, 3.09%
  • Lending Rate Type: Variable
  • Interest Rate: 3.09%, Comparison Rate 3.1%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 4.17%
  • Lending Rate Type: Variable
  • Interest Rate: 4.17%, Comparison Rate 4.3%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 4.17%
  • Lending Rate Type: Variable
  • Interest Rate: 4.17%, Comparison Rate 4.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 3.95%
  • Lending Rate Type: Variable
  • Interest Rate: 3.95%, Comparison Rate 4.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 3.95%
  • Lending Rate Type: Variable
  • Interest Rate: 3.95%, Comparison Rate 3.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.59%, Comparison Rate 3.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 3.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 3.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 4.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 4.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.59%, Comparison Rate 3.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 3.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 3.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 4.08%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 4.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 4.28%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 4.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 4.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 4.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 5.11%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 4.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 4.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 4.56%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 4.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 5%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 3.29%
  • Lending Rate Type: Variable
  • Interest Rate: 3.29%, Comparison Rate 3.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 3.29%
  • Lending Rate Type: Variable
  • Interest Rate: 3.29%, Comparison Rate 3.3%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 3.8%
  • Lending Rate Type: Variable
  • Interest Rate: 3.8%, Comparison Rate 4.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 3.8%
  • Lending Rate Type: Variable
  • Interest Rate: 3.8%, Comparison Rate 3.92%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.79%, Comparison Rate 4.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 4.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 4.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 5.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.79%, Comparison Rate 4.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 4.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 4.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 4.9%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.89%, Comparison Rate 4.2%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 4.4%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 4.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 4.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 5.02%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.89%, Comparison Rate 4.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 4.28%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 4.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 4.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 4.91%
  • 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: 150.00. 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: 300.00. Additional Information: Payable when we agree to: • Increase your amount of credit or • a transfer subject to mortgage or subsequent mortgage or • 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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