Features & benefits

Product Features:

Home Loans
Maximum Loan to Valuation Ratio (LVR) : Up to 95% loan to value ratio (LVR)
Redraw Facility : Yes
Interest Type : Principal & Interest
Offset Account : Yes
Fixed Home Loans Interest Rate Comparison Rate
1 Year Fixed Rate
<80% LVR 5.99% p.a. 6.35% p.a.
>80% - 95% LVR 5.99% p.a. 6.70% p.a.
2 Year Fixed Rate
<80% LVR 5.69% p.a. 6.25% p.a.
>80% - 95% LVR 5.69% p.a. 6.57% p.a.
3 Year Fixed Rate
<80% LVR 5.69% p.a. 6.21% p.a.
>80% - 95% LVR 5.69% p.a. 6.49% p.a.
Fixed Home Loans Interest Rate Comparison Rate
1 Year Fixed Rate
<80% LVR 6.29% p.a. 6.56% p.a.
>80% - 95% LVR 6.29% p.a. 6.91% p.a.
2 Year Fixed Rate
<80% LVR 5.99% p.a. 6.47% p.a.
>80% - 95% LVR 5.99% p.a. 6.79% p.a.
3 Year Fixed Rate
<80% LVR 5.99% p.a. 6.43% p.a.
>80% - 95% LVR 5.99% p.a. 6.72% p.a.
Fees Charges
Establishment fee $500
Basic Home Loan Service Fee (monthly) $8
Loan Contract Variation Fee  $300
Default Fee  $25 
Title Search  $25.30 
Discharge fee  $350 

 

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Home loan calculators

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Frequently Asked Questions

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  • 1 Interest rate is only available to owner-occupied loans on our Standard Variable Plus, 1, 2 or 3 Year Fixed Rate principal and interest repayments with less than or equal to 80% Loan to Value Ratio (LVR). After fixed rate period, loan will revert to Standard Variable Plus product, applicable to the Loan to Value Ratio (LVR).
  • 2 Comparison Rates for Home Loans and Real Estate Mortgage Loans are based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.
  • 3 Interest rate is only available to owner-occupied loans on our Standard Variable Plus, 1, 2 or 3 Year Fixed Rate principal and interest repayments with 80% - 95% Loan to Value Ratio (LVR). After fixed rate period, loan will revert to Standard Variable Plus product, applicable to the Loan to Value Ratio (LVR).
  • 4 Interest rate is only available on investment loans on our Standard Variable Plus Investment, 1, 2 or 3 Year Fixed Rate Investment principal and interest repayments with less than or equal to 80% Loan to Value Ratio (LVR). After fixed rate period, loan will revert to our Standard Variable Plus Investment product.
  • 5 Interest rate is only available on investment loans on our Standard Variable Plus Investment, 1, 2 or 3 Year Fixed Rate Investment principal and interest repayments with 80% - 95% Loan to Value Ratio (LVR). After fixed rate period, loan will revert to Standard Variable Plus Investment product.