Our Value Home Loan offers financial flexibility, a competitive rate and no ongoing loan fees.
Category: Home Loans Last UpdatedJune 9, 2026EffectiveAugust 19, 2026
General Lending Rates
Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate 5.94% PA
Comparison Rate 5.98%PA*
Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.
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 Features
OtherAdditional Information:For owner occupied or Investment homes, refinancing your existing home loan, purchasing of vacant land (up to 200acres/80ha) and building a new home
RedrawAdditional Information:Free redraw on additional repayments made. Minimum $500
OtherAdditional Information:Make weekly, fortnightly or monthly repayments
Digital BankingAdditional Information:Secure banking 24/7 from your computer or mobile with Online Banking
Digital BankingAdditional Information:24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.
Extra RepaymentsAdditional Information:Make unlimited extra repayments.
Complementary Product DiscountsAdditional Information:Optional Classic Credit Card, discounted rate for the life of the home loan.
Product Eligibility
OtherAdditional Information: Credit Approval
Min Age - 18.
Residency Status - Au.
Natural PersonAdditional Information: Available for personal borrowers only
Bank Fees and Charges
Alternate Security Mortgage (Event), Amount: Not Listed..
Discharge Mortgage (Event), Amount: Not Listed..
Final Search (Cash Advance), Amount: Not Listed..
Late Repayment Fee (Event), Amount: Not Listed..
Mortgage Cancellation Fee (Event), Amount: Not Listed..
Registration With Lrs (Cash Advance), Amount: Not Listed..
Staff Transfer (Event), Amount: Not Listed..
Pexa Elctronic Settlement Agency (Cash Advance), Amount: Not Listed.. Additional Information: Fee is variable depending on number of titles and varies from state to state.
Mortgage Valuation (Cash Advance), Amount: Not Listed.. Additional Information: Valuation fee is variable depending on the location, size and type of property.
Mortgage Document Fee - (new Securities Only) (Event), Amount: Not Listed..
Limitations & Restrictions (Constraints)
Max Limit of 2000000.00
Min Limit of 500000.00
Max Lvr of 80.00 Additional Information: LVR 80% or Below
