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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%*)

  Own - Variable OO IO

Own home loan variable owner occupied, interest only
Category: Home Loans  Last Updated February 10, 2022  Effective March 31, 2019

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied Interest Only product. Additional Information Owner occupied with interest only repayments. Owner occupied home loans with a loan to value ratio (LVR) of less than or equal to 60% at time of application.
Interest Rate
2.74% PA
Comparison Rate
2.62%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..
  LVR 60.01% to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.79%, Comparison Rate 2.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70.01% to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.84%, Comparison Rate 2.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Offset
  • Redraw

 Product Eligibility

  • Employment Status - Payg Income.
  • Min Age - 18.
  • Natural Person Additional Information: Max. 2 borrowers
  • Other Additional Information: Credit criteria, fees and charges apply.
  • Residency Status - Must Be An Australian Citizen Or Permanent Resident. Additional Information: Must be an Australian citizen or permanent resident

 Bank Fees and Charges

  • Missed Payment Management Fee (Event), Amount: 10.00. Additional Information: If a repayment has not been made in full more than 14 days after the due date.
  • Default Notice Fee (Event), Amount: 40.00. Additional Information: If a repayment has not been made in full more than 30 days after the due date.
  • Loan Advance Fee (Upfront), Amount: 250.00. Additional Information: To prepare your loan documents and to arrange settlement of the loan.
  • Valuation Fee (Upfront), Amount: 0.00. Additional Information: Free for first valuation if under $300. If first valuation cost is over $300, we'll cover the first $300 and any additional amount is charged at cost. Second or further valuations are at cost.
  • Documentation Fee (Event), Amount: 100.00. Additional Information: To issue a new set of loan documents if your requirements change.
  • Valuation Fee (Event), Amount: 0.00. Additional Information: If a new valuation is required at any time during the term of the loan.
  • Discharge Fee (Event), Amount: 300.00. Additional Information: If we discharge a property (security interest) at your request. Charged per security.
  • Production Fee (Event), Amount: 110.00. Additional Information: If we are required to send a certificate of title to another financial institution.
  • Annual Fee (Periodic), Amount: 250.00. Additional Information: $250 per year (after year 1). Covers up to 5 Own home loans

 Limitations & Restrictions (Constraints)

  • Max Limit of 5000000.0
  • Min Limit of 80000.0 Additional Information: Minimum amount per split $20,000.00

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