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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1 year Spring Special Offer Fixed Owner Occupied P&I Home Loan LVR <80%[/h1]
1 year Spring Special Offer Fixed Owner Occupied P&I Home Loan LVR <80%
Category: Home Loans  Last Updated November 13, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
4.99% PA
Comparison Rate
5.69%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..

Product Features

  • Offset
  • Digital Banking
  • Other Additional Information: eStatements available
  • Other Additional Information: No Monthly Fees

Product Eligibility

  • Other Additional Information: You must be a member and resident of Australia
  • Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
  • Min Age - 18.

Bank Fees and Charges

  • Valuation Fee (Variable), Amount: Not Listed.. Additional Information: If a valuation is needed, a fee is charged per property
  • Discharge Settlement Fee (Event), Amount: 300.00. Additional Information: Payable on discharge of a mortgage. Charged per property.
  • Variation Fee (Event), Amount: 100.00. Additional Information: Payable if we approve a request to substitute the secured property for another property
  • Portability Fee (Event), Amount: 350.00.
  • Additional Security Fee (Event), Amount: 150.00.
  • Conversion Switching Fee (Event), Amount: 300.00. Additional Information: Payable when switching loan products
  • Solicitors Fees (Variable), Amount: Not Listed.. Additional Information: These fees may vary depending on loan.
  • Settlement Rebooking Fee (Event), Amount: 100.00. Additional Information: Payable for our solicitors to prepare the mortgage and attend to settlement
  • Guarantee Fee (Event), Amount: 200.00.
  • Title Search (Event), Amount: 20.00.
  • Default Notice (Event), Amount: 165.00.
  • Arrears Letter (Event), Amount: 30.00.
  • Fixed Home Loan Application Fee (Event), Amount: 300.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 250000.00

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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