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Category: Home Loans Last Updated April 9, 2024 Effective May 3, 2024
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information with Offset Account
Interest Rate 5.94% PA
Comparison Rate 6.05%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 usually vary based on the LVR and other conditions..
OWNER_OCCUPIED, VARIABLE, 5.94%
Lending Rate Type: Variable
Interest Rate: 5.94%, Comparison Rate 5.95%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 7.09%
Lending Rate Type: Variable
Interest Rate: 7.09%, Comparison Rate 6.57%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 7.09%
Lending Rate Type: Variable
Interest Rate: 7.09%, Comparison Rate 6.47%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.12%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.94%
Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 6.09%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.94%
Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 6.09%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.16%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.17%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.01%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.94%
Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 5.99%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.94%
Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 5.98%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.06%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.16%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.17%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.20%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.29%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.33%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.05%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.06%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.09%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.19%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.23%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
INVESTMENT, VARIABLE, 6.29%
Lending Rate Type: Variable
Interest Rate: 6.29%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.29%
Lending Rate Type: Variable
Interest Rate: 6.29%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.54%
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.50%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.54%
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.40%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.37%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.36%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.27%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.25%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.32%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.41%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.39%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.38%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.45%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.46%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.30%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.28%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.28%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.35%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.36%
Repayment Type: Interest Only
Loan Purpose: Investment
Product Features
RedrawAdditional Information: Online redraw available
OtherAdditional Information: Unlimited additional repayments if variable, up to $20,000pa when fixed
OtherAdditional Information: Variable or Fixed Rate
OffsetAdditional Information: 100% Offset Account available on Fixed and Variable rate loans
Product Eligibility
Min Age - 18.
Bank Fees and Charges
Loan Processing Fee (Upfront), Amount: 150.00. Additional Information: This fee is paid for us to prepare loan documentation necessary to enable the home loan to settle.
Additional Processing Fee Per Split Loan (Event), Amount: 0.00.
Subsequent Valuation Fee (Upfront), Amount: 0.00. Additional Information: Subsequent valuation fee - Payable for a valuation performed as the result of your request for us to deal with a security after settlement
Online Redraw Fee (Event), Amount: 0.00.
Repayment Recalculation Fee (Event), Amount: 50.00. Additional Information: This fee is charged each time you request that we agree to a decrease in your repayments
Loan Variation Fee - Simple (Event), Amount: 150.00. Additional Information: This fee is charged if you apply for us to: Vary your existing contract, Convert to another annual percentage rate, Agree to a request to a consent or change of borrower details, Release or substitute a security (a discharge administration fee may also be payable)
Loan Variation Fee - Complex (Event), Amount: 300.00. Additional Information: Payable when we agree to: • Increase your amount of credit or • a transfer subject to mortgage or subsequent mortgage or • a sub division
Discharge Administration Fee (Event), Amount: 325.00. Additional Information: Payable for each security attached to a home loan that we partially or fully discharge at your request.
Offset Admin Fee (Periodic), Amount: 10.00.
Manual Redraw Fee (Event), Amount: 50.00. Additional Information: Payable when you redraw all or part of any repayments made on your loan (minimum $1).
Bridging Loan (Upfront), Amount: 1500.00.
Construction (Upfront), Amount: 775.00.
Bridging & Construction (Upfront), Amount: 1500.00.
Loan Variation Fee (Event), Amount: 150.00. Additional Information: This fee is charged if you apply to us to vary an existing contract before settlement occurs.
Limitations & Restrictions (Constraints)
Min Limit of 10.000 Additional Information: Ten Thousand