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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)
Product Library

  HOME LOAN PLUS

A home loan with considerable flexibility and exceptional features such as 100% offset and variable and fixed rate options.
Category: Home Loans  Last Updated March 24, 2026  Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied Interest Only product. Additional Information Loans over $10,000. LVR <=80%
Interest Rate
9.51% PA
Comparison Rate
9.67%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.

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.49%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.55%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.61%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.86%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.49%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.55%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.61%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.86%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.49%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.55%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.61%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.86%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.79%, Comparison Rate 6.87%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.84%, Comparison Rate 6.90%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.89%, Comparison Rate 6.95%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.24%, Comparison Rate 7.17%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.55%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.61%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.55%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.61%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.55%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.61%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.79%, Comparison Rate 6.87%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.84%, Comparison Rate 6.90%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.89%, Comparison Rate 6.95%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.24%, Comparison Rate 7.17%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Variable
Interest Rate: 6.39%, Comparison Rate 6.74%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Variable
Interest Rate: 6.39%, Comparison Rate 6.74%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.36%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.51%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.78%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.36%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.51%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.78%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.59%, Comparison Rate 6.36%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.64%, Comparison Rate 6.43%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 6.69%, Comparison Rate 6.51%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Fixed
Interest Rate: 7.04%, Comparison Rate 6.78%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.99%, Comparison Rate 6.34%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.84%, Comparison Rate 6.20%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.84%, Comparison Rate 6.20%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Variable
Interest Rate: 5.84%, Comparison Rate 6.20%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Variable
Interest Rate: 6.14%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Bundle Discount Variable
Interest Rate: 6.64%, Comparison Rate 6.98%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

  • Offset
  • Redraw
  • Bill Payment
  • Npp Enabled
  • Npp Payid
  • Extra Repayments

Product Eligibility

  • Min Age - 18.
  • Max Age - 75.
  • Natural Person

Bank Fees and Charges

  • Establishment Fee - Home Loan Plus (Upfront), Amount: 600.00. Additional Information: To cover costs associated with establishing your loan. Waived for Freedom Package loans
  • Principal Increase Fee - Home Loan (Event), Amount: 300.00. Additional Information: Payable when we process your request to increase the principal amount of your loan. Waived for Freedom Package loans
  • 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
  • Settlement Fee (Event), Amount: 100.00. Additional Information: Payable when we process the settlement of your loan. Waived for Freedom Package loans
  • Valuation Fee - New Loans & Loan Increases (Variable), Amount: Not Listed.. Additional Information: Initial Valuation Fee included in Establishment Fee up to $300 (total per application). Initial Valuation Fee included in Package Fee up to $400 (total per application), subsequent Valuation Fees (eg. additional loans) included in Package Fee up to $300 (total per application).
  • Lenders Mortgage Insurance Premium (Variable), Amount: Not Listed.. Additional Information: Premium varies according to the amount borrowed and the valuation of the secured property/s - an estimate will be provided after the security valuation is received
  • Property Inspection Fee (Variable), Amount: Not Listed.. Additional Information: Charged at Cost. Covers the cost of us arranging independent inspection on a property under construction or renovation.
  • Document Preparation Costs And Third Party Costs (Variable), Amount: Not Listed.. Additional Information: Charged at Cost. May apply where we need to engage external solicitors to prepare the mortgage documents. Covers the cost of documentation preparation, Government charges etc.
  • Rate Lock Fee (Event), Amount: Not Listed.. Additional Information: Minimum fee of $250.00. If you elect to lock-in a fixed interest rate prior to commencement of the fixed rate term. Minimum fee $250.00
  • Package Fee - Freedom Package (Periodic), Amount: 395.00. Additional Information: Annual mortgage package fee entitles you to benefits such as discounts & fee waivers on your home loan or line of credit, transaction accounts, credit card etc.
  • Account Service Fee - Home Loan Plus (Periodic), Amount: 10.00. Additional Information: Payble for managing your account. Waived for Freedom Package loans
  • Morgage Offset Administration Fee (Event), Amount: 75.00. Additional Information: Payable when we link your qualifying loan to a qualifying deposit account to provide mortgage offset. Waived for Freedom Package
  • Basic Variation Fee (Event), Amount: 150.00. Additional Information: Plus third party costs if applicable. Payable when we process your request to change or restructure your repayment
  • Complex Variation Fee (Event), Amount: 300.00. Additional Information: Plus any applicable break costs and third party costs if applicable. Payable when we process your request that varaies your product, security, interest rate or repayment type, unless switching to Principal & Interest payments. Waived for Freedom Package loans when changing interest rate and or interest type
  • 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. Excludes online redraws
  • Valuation Fee - Post Settlement (Variable), Amount: Not Listed.. Additional Information: Charged at Cost. Payable to cover the cost of us arranging an independent valuation report (which we may do at any time acting reasonably).
  • Break Costs (Variable), Amount: Not Listed.. Additional Information: Calculated at the time of your request. Payable if during a fixed rate period you, repay all or part of the amount you owe us, request a change to your interest rate type and we agree and process your request, request a change to your fixed interest rate and we agree and process your request.
  • Default Administration Fee (Event), Amount: 40.00. Additional Information: Charged per month, if you fail to make a payment by the due date
  • Conditions Subsequent Costs (Variable), Amount: Not Listed.. Additional Information: Charges vary - Charged at Cost. May apply to reimburse us the costs associated with confirming compliance with any special conditions in your loan agreement, such as the charges from third parties to provide reports to us.
  • Rtgs Outward Payment Fee (Transaction), Amount: 20.00. Additional Information: Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment
  • Document Preparation Costs And Third Party Costs - Post Settlement (Variable), Amount: Not Listed.. Additional Information: Unacertainable - Are costs reasonably incurred by us in providing the service and include such costs as legal costs, document custodian charges, titles office fees, and electronic processing fees.
  • Mortgage Release Fee (Event), Amount: 400.00. Additional Information: Plus third party costs if applicable. Payable per mortgage when we process your request to release a security from your loan, including a partial release. Third party costs may also be payable

 Limitations & Restrictions (Constraints)

  • Min Balance of 10000.00
  • Max Balance of 3500000.00
  • Max Lvr of 95.00 Additional Information: LVR up to 95% for Owner Occupied loans. LVR up to 90% for Investment loans

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Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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