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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%*)

  BASIC HOME LOAN

A home loan with a competitive variable interest rate and no monthly fees. Suitable for customers who don't require the benefits of an offset account.
Category: Home Loans  Last Updated April 27, 2022  Effective May 8, 2022

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
2.01% PA
Comparison Rate
2.03%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..
  Basic Home Loan >75% <=90%
Minimum: $100000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.31%, Comparison Rate 2.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Basic Home Loan <=75%
Minimum: $100000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.21%, Comparison Rate 2.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Basic Home Loan >75% <=90%
Minimum: $100000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.41%, Comparison Rate 2.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Basic Home Loan <=75%
Minimum: $100000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.41%, Comparison Rate 2.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Basic Home Loan >75% <=90%
Minimum: $100000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.61%, Comparison Rate 2.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw
  • Bill Payment

 Product Eligibility

  • Min Age - 18.
  • Max Age - 75.
  • Natural Person Additional Information: Available for personal use only.

 Bank Fees and Charges

  • Establishment Fee - Basic Home Loan (Upfront), Amount: 300.00. Additional Information: To cover our costs associated with establishing your loan
  • Principal Increase Fee (Event), Amount: 300.00. Additional Information: Payable when we process your request to increase the principal amount of your loan
  • Progress Payment Fee (Event), Amount: 450.00. Additional Information: Payable on the first drawdown after settlement to cover the administration costs of progress payments for your construction or home renovation.
  • Basic Variation Fee (Event), Amount: 150.00. Additional Information: Payable when we process your request to change or restructure your repayment
  • Complex Variation Fee (Event), Amount: 300.00. Additional Information: Payable when we process your request that varaies your product, security, interest rate or repayment type, unless switching to Principal & Interest payments.
  • Redraw Fee (Event), Amount: 20.00. Additional Information: Payable when we manually process your request (eg: in Branch) to redraw available advance funds from your loan account. Excluse online redraws.
  • Default Administration Fee (Event), Amount: 40.00. Additional Information: Payable if there is an event of default under the terms of your loan
  • Rtgs ''same Day'' Payment (Transaction), Amount: 20.00. Additional Information: Payable when you request a high value, time critical payment from your account to another financial instituation on a real time basis for "same day" payment
  • Mortgage Release Fee (Event), Amount: 350.00.

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