RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%

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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

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RESOURCES LIBRARY

PROPERTY REPORTS

RATES FROM 4.79% (5.47%^*)

Classic Home Loan

Category: Home Loans Last Updated December 6, 2025 Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information VARIABLE RATE WITH LVR <= 60%

Interest Rate
6.19% PA

Comparison Rate
6.34%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 vary based on the LVR and other conditions..

6.49% (6.64%*), USER-INPUT-RATE/LVR>60%TO<=80%, 60.01 ... OO P&I

Lending Rate Type: Variable
Interest Rate: 6.49%, Comparison Rate 6.64%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

6.89% (7.04%*), USER-INPUT-RATE/LVR>80%, 80.01% - % OO P&I

Lending Rate Type: Variable
Interest Rate: 6.89%, Comparison Rate 7.04%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

Digital Banking

Extra Repayments Additional Information: There is no limit to the extra amount/value of repayments added to the loan as long as the balance owed does not come back to $0.00 or put in a positive position.

Guarantor

Npp Enabled

Redraw

Product Eligibility

Natural Person

Residency Status - Australia.

Bank Fees and Charges

Loan Establishment Fee (Upfront), Amount: 300.00.

Loan Administration Fee (Periodic), Amount: 8.00.

Loan Renegotiation Fee (Event), Amount: 150.00.

Loan Switching Fee (Event), Amount: 200.00.

Loan Estab Fee - Owner Builder (Upfront), Amount: 500.00.

Scheduling Fee - Owner Builder (Upfront), Amount: 550.00.

Progress Draw Fee-construction (Upfront), Amount: 95.00.

Cu Solicitor Mtg Discharge Fee (Transaction), Amount: 380.00.

Mortgage Discharge Fee (Transaction), Amount: 250.00.

Property Search Fee (Upfront), Amount: 30.00.

Manual Arrears Transfer Fee (Event), Amount: 5.00.

Arrears Reminder Fee (Event), Amount: 5.00.

Final Notice Of Demand (Event), Amount: 40.00.

Real Time Transfer/npp Fee (Upfront), Amount: 20.00.

Loan Redraw Fee (Transaction), Amount: 20.00.

Loan Redraw Fee (Transaction), Amount: 0.00.

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