Borrowing rates

Our home loan reference rates 

Standard Variable Rates
  Our rate
Owner Occupiers ? 5.42% p.a.
Owner Occupiers (interest only) ? 5.77% p.a.
Investors ? 6.07% p.a.
Investors (interest only) ? 6.32% p.a.
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Our home loan rates

What's the difference between a property to live in and an investment purpose ?

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Rates - For new borrowing
Loan type Our rate Comparison rate
Equaliser Home Loan
Variable 3 year introductory rate
3.72% p.a. 4.19% p.a.
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing up to 90% of property value 1
3.99% p.a. 4.41% p.a.
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing 90% - 95% of property value 1
4.53% p.a. 4.94% p.a.
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing up to 90% of property value 1
4.59% p.a. 5.00% p.a.
Complete Fixed Home Loan
1 year
4.21% p.a. 4.44% p.a.
Complete Fixed Home Loan
1 year
4.31% p.a. 4.98% p.a.
Complete Fixed Home Loan
2 years
4.14% p.a. 4.44% p.a.
Complete Fixed Home Loan
2 years
4.40% p.a. 4.97% p.a.
Complete Fixed Home Loan
3 years
3.98% p.a. 4.41% p.a.
Complete Fixed Home Loan
3 years
4.28% p.a. 4.92% p.a.
Complete Fixed Home Loan
4 years
4.44% p.a. 4.57% p.a.
Complete Fixed Home Loan
4 years
4.60% p.a. 5.01% p.a.
Complete Fixed Home Loan
5 years
4.54% p.a. 4.64% p.a.
Complete Fixed Home Loan
5 years
4.74% p.a. 5.07% p.a.
Complete Equity Home Loan 4.84% p.a. Not applicable
Variable Rate Home Loan
Variable rate for principal and interest repayments when borrowing up to 80% of property value 1
4.09% p.a. 4.11% p.a.
Variable Rate Home Loan
Variable rate for principal and interest repayments when borrowing between 80% - 90% of property value 1
4.09% p.a. 4.11% p.a.
Variable Rate Home Loan
Variable rate for principal and interest repayments when borrowing up to 90% of property value 1
4.69% p.a. 4.71% p.a.
Fixed Rate Home Loan
1 year
4.51% p.a. 5.38% p.a.
Fixed Rate Home Loan
1 year
4.61% p.a. 5.98% p.a.
Fixed Rate Home Loan
2 year
4.39% p.a. 5.29% p.a.
Fixed Rate Home Loan
2 year
4.70% p.a. 5.87% p.a.
Fixed Rate Home Loan
3 year
4.38% p.a. 5.21% p.a.
Fixed Rate Home Loan
3 year
4.58% p.a. 5.73% p.a.
Fixed Rate Home Loan
4 year
4.65% p.a. 5.23% p.a.
Fixed Rate Home Loan
4 year
4.90% p.a. 5.73% p.a.
Fixed Rate Home Loan
5 year
4.69% p.a. 5.20% p.a.
Fixed Rate Home Loan
5 year
5.04% p.a. 5.71% p.a.
Seniors Equity Release 6.27% p.a. 6.30% p.a.
Comparison rate warning
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Rates are subject to change. Fixed rate loans revert to a variable rate after the end of the fixed rate period.
Where the inclusion of Lender’s Mortgage Insurance results in an increased Loan to Value Ratio (LVR), different rates may apply.

Comparison rate warning:
Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years but the minimum required loan amount is $200,000 for the Complete Home Loan Package and Equaliser Home Loan. Different rates apply for different loan amounts and may depend on the duration of a fixed rate period or the ratio of the loan amount to the property value. 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.

Our personal loan rates

Rates
Loan type Fixed interest rate Comparison rate
Secured Car Loan 7.99% p.a. 8.76% p.a.
Unsecured Personal Loan 11.99% p.a. 12.80% p.a.
Flexible Personal Loan 14.49% p.a. 15.50% p.a.
Rates are subject to change. Comparison rate warning
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Comparison rate warning:
Comparison rates for secured and unsecured personal loans are based on a loan amount of $30,000 for a term of 5 years. WARNING: The 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.

Representative example of total loan cost: For a Secured Car Loan of $30,000 borrowed over a 5 year term at 7.99% p.a. ( 8.76% p.a. comparison rate ) the total amount payable is $37,720.21 including interest and fees. For an Unsecured Personal Loan of $30,000 borrowed over a 5 year term at 11.99% p.a. ( 12.80% p.a. comparison rate ) the total amount payable is $40,771.11 including interest and fees. For a Flexible Personal Loan of $30,000 borrowed over a 5 year term at 14.49% p.a. ( 15.50% p.a. comparison rate ) the total amount payable is $43,292.95 including interest and fees. These examples are an estimate only and assume all repayments are made on time.

Things you should know

1. Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more.