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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: 5.04% (7.05%*) • Investment PI: 4.89% (5.26%*)
Product Library

  Flexible Choice Owner Occupied

Flexible Choice Owner Occupied
Category: Home Loans  Last Updated April 14, 2026  Effective April 20, 2026

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.70% PA
Comparison Rate
6.58%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: Variable
Interest Rate: 6.74%, Comparison Rate 6.79%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.05%, Comparison Rate 6.71%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.80%, Comparison Rate 6.60%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.85%, Comparison Rate 6.53%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.15%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.25%, Comparison Rate 6.57%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.95%, Comparison Rate 6.70%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.70%, Comparison Rate 6.58%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.75%, Comparison Rate 6.50%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.05%, Comparison Rate 6.53%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.15%, Comparison Rate 6.53%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

  • Redraw
  • Offset
  • Extra Repayments

Product Eligibility

  • Min Age - 18.

Bank Fees and Charges

  • Home Loan Application Fee - New Applications (Event), Amount: 600.00.
  • Loan Discharge Fee Registration Or Settlement (Event), Amount: 250.00. Additional Information: Plus out of pocket expenses
  • Home Loan Top Up Fee Existing Loan (Event), Amount: 300.00.
  • Loan Substitution Of Property Mortgage Fee (Upfront), Amount: 300.00.
  • Loan Variation Fee (Event), Amount: 600.00.
  • Loan Valuation Fee (Variable), Amount: 0.00.
  • Loan Legal Fees, Valuations, Surveys, And Settlement Fees (Variable), Amount: 0.00.
  • Fixed Rate Lock In Fee (Upfront), Amount: Not Listed.. Additional Information: borrowed amount
  • Loan Offset Service Fee (Periodic), Amount: 6.00.
  • Loan Redraw Facility Fee Online (Transaction), Amount: 10.00.
  • Loan Redraw Facility Fee Over Counter (Transaction), Amount: 20.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 45000.00
  • Max Limit of 3500000.00

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