Flexi First : Our lowest online variable home loan rate (Owner Occupied)

General Lending Rates

Product Variations

Product Features

• Redraw Additional Information: Access extra funds: Redraw your extra repayments whenever you need. Just make sure redraw is activated. You can even apply for a loan increase.

• Other Additional Information: Repay faster to save: Pay off your home sooner with unlimited extra repayments. You can choose to repay weekly, fortnightly or monthly.

• Other Additional Information: Simple with low fees: A basic variable loan, with no ongoing fees and a sweet interest rate. We've kept it simple, so no offset is available with this loan.

• Other Additional Information: Handy loan options: Benefit from a loan term of up to 30 years. Split by fixing part of it or reduce repayments for up to 12 months (subject to approval).

• Other Additional Information: ONLINE OFFER: Our lowest online variable rate for Flexi First Option home loan with Principal & Interest (P&I) repayments

• Other Additional Information: Split loan Option

• Other Additional Information: You can apply to increase your home loan using our top up / loan increase feature to pay for things like renovations, home improvements or even a holiday. (fees apply).

• Other Additional Information: Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

• Other Additional Information: Loan Payment Method - Direct Debit (preferred), Direct Credit, Branch Payment, Internet or Phone Banking

• Other Additional Information: Repayment frequencies includes weekly, fortnightly or monthly

• Other Additional Information: Substituting a security : You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security.

• Other Additional Information: Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request

• Other Additional Information: The product provides switching (from another product) feature

• Other Additional Information: This loan can be part of a combination loan

• Other Additional Information: The product provides options which includes BPAY, reduced repayments (incl. parental leave), progressive drawdown, repayment holiday, portability, loan increase (top up), parental guarantee and lenders mortgage insurance

• Digital Banking

• Extra Repayments Additional Information: The product includes extra repayment features.

• Fraud Protection Additional Information: The product includes fraud protection features.

• Guarantor Additional Information: Subject to terms and conditions, this product includes guarantor features.

• Relationship Management Additional Information: Relationship management is available for eligible customers.

Product Eligibility

• Min Age - 18. Additional Information: 18+ years old

• Residency Status - An Australian Citizen Or Permanent Resident.

• Natural Person

• Other Additional Information: Available to personal customers only.

• Employment Status - Employed Or Self-employed.

Bank Fees and Charges

• Lending Establishment Fee (Upfront), Amount: Not Listed..

• Bank Cheque Issuance Fee (Event), Amount: Not Listed.. Additional Information: $10 per cheque (1st cheque is free)

• Monthly Loan Account Fee (Periodic), Amount: Not Listed..

• Missed Payment Fee (Late Payment), Amount: Not Listed..

• Document Processing Fee (Event), Amount: Not Listed..

• Account Overdrawn Fee (Event), Amount: Not Listed..

• Loan Discharge Fee (Exit), Amount: Not Listed..

• Lenders Mortgage Insurance Premium (Upfront), Amount: Not Listed.. Additional Information: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance reduces bank's risk as a lender when providing a home loan, you may be able to apply for a home loan and get into your home sooner, with a lower deposit. Lenders Mortgage Insurance insures bank for any shortfall in the event that you default on your loan and if the proceeds from the property sale are not enough to pay off the loan in full. The cost of Lenders Mortgage Insurance is calculated as a percentage of the loan amount. The percentage applied will vary depending on a number of factors. Please speak to your lender if you would like to understand this process in more detail. The cost of Lenders Mortgage Insurance premium is passed on to you. We do not receive a commission on Lenders Mortgage Insurance.

• Property Valuer Fee (Event), Amount: Not Listed..

• Extra Repayments (Event), Amount: Not Listed..

• Redraw (Event), Amount: Not Listed.. Additional Information: If activated and extra funds are available

• Repayment Holidays Or Reduced Repayments (Event), Amount: Not Listed.. Additional Information: Repayment holidays or Reduced Repayments of up to 50% for up to 12 months (subject to approval)

• Construction Loan Option (Event), Amount: Not Listed.. Additional Information: Construction loan option (property valuer fees may apply)

• Portability Option (Event), Amount: Not Listed.. Additional Information: Portability option (keeping your loan but changing the property securing the loan)

• Loan Switching (Event), Amount: Not Listed.. Additional Information: Loan switching (changing loan or repayment type)

 Limitations & Restrictions (Constraints)

• Min Lvr of 0.00

• Max Lvr of 0.95

• Min Limit of 25000.00 Additional Information: The minimum amount financed is $25,000

• Other of Additional Information: Maximum repayment term 30 years

• Other of Additional Information: Loan Maximum - interest only period 5 years