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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

  Flexible Choice Owner Occupied

Flexible Choice Owner Occupied
Category: Home Loans  Last Updated November 18, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.10% PA
Comparison Rate
6.06%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: 6.24%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.30%, Comparison Rate 6.19%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.20%, Comparison Rate 6.08%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.20%, Comparison Rate 5.99%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.70%, Comparison Rate 6.09%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.70%, Comparison Rate 6.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.20%, Comparison Rate 6.18%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.10%, Comparison Rate 6.06%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.10%, Comparison Rate 5.97%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.60%, Comparison Rate 6.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.60%, Comparison Rate 6.01%
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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