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Example Interest Rates: Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.74% (6.40%*) • Investment PI: 5.58% (6.62%*)

  Home Loan-Package I.O.

Our Interest Only Ultimate Home Loan Package bundles your home loan, an everyday account & our low rate credit card. Includes establishment fee waivers on personal loans, no annual fee on a visa credit card and access to discounted general insurance.
Category: Home Loans  Last Updated May 22, 2024  Effective July 5, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied Interest Only product. Additional Information Special 1 Year Fixed Package Rate (<80%) - Interest Only. Available from 23 May 2024 for a loan amount of at least $100,000. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Maximum LVR for owner occupied loans is 80%. Only available under our Ultimate Home Loan Package. Following expiry of the Interest Only fixed rate period, loan will revert to principal and interest repayments with a 2.65%p.a. discount off our Principal and Interest SVR for the life of the loan.
Interest Rate
5.74% PA
Comparison Rate
6.40%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..
  OWNER_OCCUPIED, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 8.37%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 8.15%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 8.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 8.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.40%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.19%
  • Lending Rate Type: Variable
  • Interest Rate: 6.19%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 5.99%
  • Lending Rate Type: Variable
  • Interest Rate: 5.99%, Comparison Rate 6.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 8.59%
  • Lending Rate Type: Variable
  • Interest Rate: 8.59%, Comparison Rate 8.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Offset Additional Information: 100% Mortgage Offset account for owner occupied home loans.
  • Other Additional Information: Discounted variable or fixed interest rate owner-occupied loans. Available for interest only repayments to approved applicants
  • Other Additional Information: Payments can be arranged weekly, fortnightly or monthly.
  • Other Additional Information: Loan Terms up to 30 Years.
  • Other Additional Information: 10% discount on home and contents insurance through our insurance partner for the first year.
  • Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI).
  • Other Additional Information: Home Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.
  • Other Additional Information: Personal Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.
  • Redraw

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI) or up to 95% where LMI is approved
  • Residency Status - Loans Are Available To Members Of The Bank Who Are Permanent Residents Of Australia And Currently Live In Australia..

 Bank Fees and Charges

  • Package Fee (Periodic), Amount: 395.00. Additional Information: Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date. If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged.
  • Other Credit Fees (Event), Amount: 0.00. Additional Information: Refer to our Fees and Charges brochure for information on other fees and charged which may apply.

 Limitations & Restrictions (Constraints)

  • Min Limit of 100000.00 Additional Information: Available where total borrowings from the Bank are $100,000 and over.

 Document Downloads

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