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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%*)
Product Library

  1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers

Special Offer discounts on Fixed rates in your Home Package Plus with New or additional lending of > $150,000
Category: Home Loans  Last Updated December 18, 2025  Effective December 31, 2018

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 1 Year Fixed Rate Term
Interest Rate
5.39% PA
Comparison Rate
5.86%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: Fixed
Interest Rate: 5.39%, Comparison Rate 6.11%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.39%, Comparison Rate 6.11%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.54%, Comparison Rate 5.90%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.54%, Comparison Rate 5.90%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 5.91%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 5.91%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.54%, Comparison Rate 6.43%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.54%, Comparison Rate 6.43%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.44%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.44%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.39%, Comparison Rate 5.85%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.39%, Comparison Rate 5.85%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 6.11%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 6.11%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.49%, Comparison Rate 5.89%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.49%, Comparison Rate 5.89%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 5.94%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 5.94%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.45%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.45%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.49%, Comparison Rate 5.87%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.49%, Comparison Rate 5.87%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.12%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.12%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 5.94%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 5.94%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 5.98%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 5.98%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.46%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.46%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 5.91%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 5.91%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 6.15%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 6.15%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.74%, Comparison Rate 5.99%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.74%, Comparison Rate 5.99%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 6.02%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 6.02%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 6.41%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 6.41%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.45%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.45%
Repayment Type: Interest Only
Loan Purpose: Investment

Product Features

  • Other Additional Information: Rate certainty, set your rate for a term of 1,2,3 or 5 years
  • Digital Banking
  • Other Additional Information: Ability to set up automated repayments
  • Other Additional Information: Guaranteed Rate to secure your fixed rate for 90 days following your application
  • Other Additional Information: No Establishment Fee
  • Other Additional Information: A discounted interest rate when you combine total home lending over $150,000 with an Everyday Options bank account
  • Other Additional Information: The choice of Interest Only repayments for a maximum period of five years and subject to you satisfying applicable bank criteria (Interest Only term must match Fixed Rate term)
  • Other Additional Information: Split your loans in the package to include Variable and Fixed Rate loan/s at no additional cost
  • Other Additional Information: Phone Banking
  • Extra Repayments Additional Information: Make extra repayments of up to $500 per month without penalty

Product Eligibility

  • Other Additional Information: Home Package Plus - New or additional lending of $150,000 +
  • Other Additional Information: Home Loans provided to approved applicants only. Credit and lending criteria applies and is subject to change without notice

Bank Fees and Charges

  • Additional Valuation Fee (Event), Amount: 150.00. Additional Information: The first valuation assessment for each loan application is provided by the Bank. If any additional valuation assessments that involve a physical inspection are obtained by us for assessing the loan security, than this fee will apply.
  • Guarantor Fee (Event), Amount: 200.00. Additional Information: Applies if a guarantor is included in the loan. Fee is per guarantor.
  • Arrears Administration Fee (Event), Amount: 20.00. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs.
  • Default Interest (Event), Amount: Not Listed.. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Defualt Interest if an event of default in payment occurs.
  • Loan Finalisation Fee (Event), Amount: 350.00. Additional Information: Applies when a loan is paid out in full, This includes settlements, refinances and payouts.
  • Copy Of Documents Fee (Event), Amount: 35.00. Additional Information: Payable if we are required to obtain a copy of a document, including Mortgage or title seach.
  • Early Payment Interest Adjustment (epia) (Variable), Amount: Not Listed.. Additional Information: Charged when you, (a) Payout the loan during a Fixed Rate period (b) Pay more than the agreed monthly amount (c) Vary or break out of a Fixed Rate period.
  • Home Package Plus Annual Fee (Periodic), Amount: 375.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00 Additional Information: Minimum Loan Balance of $150,000
  • Max Limit of 3750000.00 Additional Information: Maximum Loan Balance of $3,750,000
  • Min Lvr of 0.01 Additional Information: Minimum LVR of 1%
  • Max Lvr of 0.90 Additional Information: Maximum LVR of 90%

Document Downloads

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