RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.6%  
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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)
Product Library

  Home Improvement Loan

This loan is suitable for home improvements and environmentally friendly improvements to yoru home
Category: Personal Loans  Last Updated April 19, 2026  Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information
Interest Rate
9.95% PA
Comparison Rate
10.27%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 Features

  • Redraw
  • Digital Banking
  • Npp Enabled
  • Other Additional Information: eStatements available
  • Other Additional Information: No Monthly Fees
  • Other Additional Information: Maximum 7 years
  • Extra Repayments

Product Eligibility

  • Other Additional Information: You must be a member and resident of Australia
  • Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
  • Min Age - 18.

Bank Fees and Charges

  • Security Admin Fee (Event), Amount: 25.00. Additional Information: PPSR Fee
  • Security Variation Fee (Event), Amount: 8.00. Additional Information: Cost to change a security on Personal Loan
  • Otc Redraw Fee (Event), Amount: 15.00. Additional Information: First one free per month. Free via Internet Banking
  • Arrears Letter (Event), Amount: 30.00. Additional Information: Payable if we need to send an arrears letter
  • Personal Loan Default Notice (Event), Amount: 50.00.
  • Personal Loan Application Fee (Upfront), Amount: 220.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 1000.00

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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