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  Reward Me Fixed Rate Home Loan

With our Reward Me Home Loan, we keep our rates low so you could keep more money in your pocket
Category: Home Loans  Last Updated December 19, 2023  Effective May 3, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Principal & Interest, Owner Occupied, special (for new applications with total new borrowings of $300,000 or more and up to 60% LVR) for 3 Years
Interest Rate
6.49% PA
Comparison Rate
6.60%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..
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.89%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.92%, Comparison Rate 7.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Amount
Minimum: $300000.00 Maximum: $
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 6.84%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 90 PERCENT Maximum: PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 8.60%, Comparison Rate 8.88%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Amount
Minimum: $300000.00 Maximum: $
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.73%, Comparison Rate 7.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 8.15%, Comparison Rate 7.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.79%, Comparison Rate 6.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 90 PERCENT Maximum: PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 8.49%, Comparison Rate 8.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.92%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Amount
Minimum: $300000.00 Maximum: $
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 6.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 90 PERCENT Maximum: PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 8.62%, Comparison Rate 8.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 8.01%, Comparison Rate 7.02%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.60%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90 PERCENT Maximum: PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 8.33%, Comparison Rate 8.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.39%, Comparison Rate 7.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.83%, Comparison Rate 7.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.93%, Comparison Rate 7.24%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.66%, Comparison Rate 6.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.67%, Comparison Rate 7.05%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 6.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.93%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.88%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Amount
Minimum: $300000.00 Maximum: $
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.95%, Comparison Rate 7.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 8.10%, Comparison Rate 7.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Amount
Minimum: $300000.00 Maximum: $
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.92%, Comparison Rate 7.13%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Amount
Minimum: $300000.00 Maximum: $
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Our Reward Me Home Loan comes with a Home Loan Companion Account that we'll open for you. The Companion Account will make it easier to make repayments and pay any fees and charges. Plus, you can use the account to offset the interest on your variable rate home loan or when you revert to a variable rate to help you pay the loan off sooner.
  • Other Additional Information: Additional repayment up to $10,000 per annum allowed on all fixed rate terms.
  • Other Additional Information: You can split and keep a portion of your borrowings with a variable rate to retain more flexibility. That way you'll have some protection if rates rise during your fixed rate period, but maintain some flexibility with the variable portion of your loan to make extra repayments or access funds through redraw if things change
  • Other Additional Information: Ask us to lock in a rate at the time of application for up to 100 days to protect yourself from any potential rate rises until the lending date. Fees and charges apply.

 Product Eligibility

  • Other Additional Information: Multiple applicants and guarantors
  • Natural Person Additional Information: Individual and joint personal applicants, no companies or trusts
  • Other Additional Information: Constructon of residential property
  • Other Additional Information: Applicants with PAYG income
  • Other Additional Information: Purchase or refinance of residential property
  • Other Additional Information: Purchase of vacant land & construction (home & land package
  • Other Additional Information: Property improvements (including renovations)

 Bank Fees and Charges

  • Cheque Dishonour Fee (Event), Amount: 15.0000. Additional Information: $15 for each item. Banking of cheques only available at settlement.
  • Settlement Fee (Upfront), Amount: 150.0000. Additional Information: Payable for completing settlement of your loans
  • Notice To Tenant Requiring Vacant Possession Fee (Event), Amount: 10.0000.
  • Application Fee (Upfront), Amount: 300.0000. Additional Information: Payable for processing application of your loans. Charged at settlement
  • Call Fee (Event), Amount: 50.0000. Additional Information: Charged whenever we visit you after a default has occurred.
  • Rate Lock Fee (Event), Amount: Not Listed.. Additional Information: 0.15% of fixed rate loan amount. Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period.
  • Notice Requiring Vacant Possession Fee (Event), Amount: 10.0000.
  • Home Loan Fee (Periodic), Amount: 10.0000. Additional Information: Charged to each loan account on every repayment date (monthly)
  • Power Of Sale Notice Fee (Event), Amount: 10.0000.
  • Mortgagee Sale Fee (Event), Amount: 400.0000. Additional Information: Charged for each property we hold as security for a loan facility where the lender commences mortgagee sale procedures (whether or not a sale is completed).
  • Legal Review Fees - Standard (Event), Amount: 350.0000. Additional Information: Payable for each document that the Lender is required to review, amend or prepare and which is categorised by the Lender as a standard document. A standard document may include but is not limited to: - review of a consent document, power of attorney or a caveat; or - amendment or preparation of a consent document, deed of covenant, confidentiality agreement,cross guarantee and indemnity, deed of subordination, fixed charge or a deed of priority.
  • Break Cost Admin Fee (Event), Amount: 50.0000. Additional Information: Payable when we break your fixed rate contract. This fee is payable regardless of whether a break cost is incurred or not
  • Default Fee (Event), Amount: 30.0000. Additional Information: Payable 10 days after a repayment date if you have not paid your repayment or any other payment in full on or before that repayment date.
  • Valuation Fee (Event), Amount: 0.0000. Additional Information: First Valuation - Free. Any further valuation will be charged for. The amount of the fee, will be the fee charged by the appointed Valuer and will vary depending on the location and value of the property
  • Demand Notice Fee (Event), Amount: 10.0000.
  • Legal Review Fees - Complex (Event), Amount: 500.0000. Additional Information: Payable for each document that the Lender is required to review, amend or prepare and which is categorised by the Lender as a complex document. A complex document may include, but is not limited to: - agreements/deeds; or - amendment or preparation of a mortgage over lease, right of entry, mortgagee�s consent to lease.
  • Break Costs (Variable), Amount: Not Listed.. Additional Information: At cost. Actual break cost amount will depend on the cost incurred by the Lender. The amount is calculated in accordance with your loan agreement and may be payable if: A fixed rate period is broken (by you paying out the loan or changing loan types or as aconsequence of a default causing the full amount of the loan to fall due for payment); or You pay more than the total of your elected repayments plus $10,000 in any 12 month periodduring your fixed rate period; or A Break Cost event occurs and we make a loss from re-arranging our funding.
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General Enquires: 1300 235 433 • Support: (02) 8765 8887
The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This 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. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]
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