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Borrowing rates
Our home loan rates
What's the difference between a property to live in and an investment purpose ?
The rates shown below are for principal and interest repayments. Different rates apply for interest only repayments.
If you have questions about our home loan products, submit an enquiry and a Home Lending Specialist will get in touch. You can also call us on 13 17 19.
Check out the reference interest rates for our home loans.
Show me rates for
| Loan type | Our interest rate | Comparison rate |
|---|---|---|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing up to 60% of the property value |
6.29% p.a.
|
6.31% p.a.
|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 60.01% - 80% of the property value |
6.34% p.a.
|
6.36% p.a.
|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.54% p.a.
|
6.56% p.a.
|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.14% p.a.
|
7.16% p.a.
|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
8.77% p.a.
|
8.79% p.a.
|
|
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.99% p.a.
|
7.37% p.a.
|
|
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.14% p.a.
|
7.51% p.a.
|
|
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
8.77% p.a.
|
9.13% p.a.
|
|
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
6.19% p.a.
|
7.28% p.a.
|
|
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
5.89% p.a.
|
7.14% p.a.
|
|
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
5.89% p.a.
|
7.05% p.a.
|
|
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
5.99% p.a.
|
7.00% p.a.
|
|
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
5.99% p.a.
|
6.92% p.a.
|
|
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.44% p.a.
|
7.31% p.a.
|
|
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.24% p.a.
|
7.21% p.a.
|
|
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.24% p.a.
|
7.15% p.a.
|
|
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.34% p.a.
|
7.12% p.a.
|
|
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.34% p.a.
|
7.08% p.a.
|
|
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.79% p.a.
|
7.48% p.a.
|
|
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.49% p.a.
|
7.38% p.a.
|
|
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.49% p.a.
|
7.32% p.a.
|
|
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.59% p.a.
|
7.31% p.a.
|
|
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.59% p.a.
|
7.27% p.a.
|
|
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.49% p.a.
|
8.98% p.a.
|
|
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.19% p.a.
|
8.78% p.a.
|
|
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.19% p.a.
|
8.64% p.a.
|
|
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.29% p.a.
|
8.55% p.a.
|
|
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.29% p.a.
|
8.44% p.a.
|
|
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
6.39% p.a.
|
8.76% p.a.
|
|
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
6.09% p.a.
|
8.44% p.a.
|
|
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
6.09% p.a.
|
8.19% p.a.
|
|
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
6.19% p.a.
|
8.00% p.a.
|
|
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value |
6.19% p.a.
|
7.80% p.a.
|
|
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.64% p.a.
|
8.79% p.a.
|
|
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.44% p.a.
|
8.51% p.a.
|
|
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.44% p.a.
|
8.29% p.a.
|
|
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.54% p.a.
|
8.13% p.a.
|
|
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.54% p.a.
|
7.96% p.a.
|
|
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.99% p.a.
|
8.83% p.a.
|
|
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.69% p.a.
|
8.57% p.a.
|
|
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.69% p.a.
|
8.37% p.a.
|
|
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.79% p.a.
|
8.22% p.a.
|
|
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.79% p.a.
|
8.07% p.a.
|
|
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.69% p.a.
|
8.91% p.a.
|
|
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.39% p.a.
|
8.72% p.a.
|
|
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.39% p.a.
|
8.58% p.a.
|
|
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.49% p.a.
|
8.49% p.a.
|
|
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value |
7.49% p.a.
|
8.39% p.a.
|
Rates
Loan type
Our interest rate
Comparison rate
Simple Home Loan
Variable rate for principal and interest repayments when borrowing up to 60% of the property value
Variable rate for principal and interest repayments when borrowing up to 60% of the property value
6.29% p.a.
6.31% p.a.
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 60.01% - 80% of the property value
Variable rate for principal and interest repayments when borrowing 60.01% - 80% of the property value
6.34% p.a.
6.36% p.a.
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.54% p.a.
6.56% p.a.
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.14% p.a.
7.16% p.a.
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
8.77% p.a.
8.79% p.a.
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.99% p.a.
7.37% p.a.
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.14% p.a.
7.51% p.a.
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
8.77% p.a.
9.13% p.a.
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
1 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
6.19% p.a.
7.28% p.a.
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
2 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
5.89% p.a.
7.14% p.a.
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
3 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
5.89% p.a.
7.05% p.a.
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
4 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
5.99% p.a.
7.00% p.a.
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
5 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
5.99% p.a.
6.92% p.a.
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.44% p.a.
7.31% p.a.
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.24% p.a.
7.21% p.a.
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.24% p.a.
7.15% p.a.
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.34% p.a.
7.12% p.a.
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.34% p.a.
7.08% p.a.
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.79% p.a.
7.48% p.a.
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.49% p.a.
7.38% p.a.
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.49% p.a.
7.32% p.a.
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.59% p.a.
7.31% p.a.
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.59% p.a.
7.27% p.a.
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.49% p.a.
8.98% p.a.
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.19% p.a.
8.78% p.a.
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.19% p.a.
8.64% p.a.
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.29% p.a.
8.55% p.a.
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.29% p.a.
8.44% p.a.
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
1 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
6.39% p.a.
8.76% p.a.
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
2 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
6.09% p.a.
8.44% p.a.
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
3 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
6.09% p.a.
8.19% p.a.
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
4 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
6.19% p.a.
8.00% p.a.
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
5 year fixed rate for principal and interest repayments when borrowing up to 80% of the property value
6.19% p.a.
7.80% p.a.
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.64% p.a.
8.79% p.a.
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.44% p.a.
8.51% p.a.
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.44% p.a.
8.29% p.a.
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.54% p.a.
8.13% p.a.
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.54% p.a.
7.96% p.a.
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.99% p.a.
8.83% p.a.
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.69% p.a.
8.57% p.a.
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.69% p.a.
8.37% p.a.
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.79% p.a.
8.22% p.a.
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.79% p.a.
8.07% p.a.
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.69% p.a.
8.91% p.a.
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.39% p.a.
8.72% p.a.
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.39% p.a.
8.58% p.a.
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.49% p.a.
8.49% p.a.
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
7.49% p.a.
8.39% p.a.
| Loan type | Our interest rate | Comparison rate |
|---|---|---|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing up to 60% of the property value |
6.44% p.a.
|
6.46% p.a.
|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 60.01% - 80% of the property value |
6.49% p.a.
|
6.51% p.a.
|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value |
6.89% p.a.
|
6.91% p.a.
|
|
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.89% p.a.
|
7.91% p.a.
|
|
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing up to 95% (including Lenders Mortgage Insurance) of the property value |
7.89% p.a.
|
8.26% p.a.
|
|
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.49% p.a.
|
8.10% p.a.
|
|
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.19% p.a.
|
7.90% p.a.
|
|
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.19% p.a.
|
7.75% p.a.
|
|
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.29% p.a.
|
7.65% p.a.
|
|
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.29% p.a.
|
7.53% p.a.
|
|
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.29% p.a.
|
8.19% p.a.
|
|
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.19% p.a.
|
8.11% p.a.
|
|
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
6.99% p.a.
|
7.98% p.a.
|
|
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.09% p.a.
|
7.95% p.a.
|
|
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.19% p.a.
|
7.94% p.a.
|
|
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.69% p.a.
|
9.36% p.a.
|
|
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.39% p.a.
|
9.00% p.a.
|
|
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.39% p.a.
|
8.71% p.a.
|
|
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.49% p.a.
|
8.50% p.a.
|
|
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value |
6.49% p.a.
|
8.27% p.a.
|
|
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.49% p.a.
|
9.45% p.a.
|
|
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.39% p.a.
|
9.22% p.a.
|
|
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.19% p.a.
|
8.95% p.a.
|
|
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.29% p.a.
|
8.80% p.a.
|
|
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value |
7.39% p.a.
|
8.68% p.a.
|
Rates
Loan type
Our interest rate
Comparison rate
Simple Home Loan
Variable rate for principal and interest repayments when borrowing up to 60% of the property value
Variable rate for principal and interest repayments when borrowing up to 60% of the property value
6.44% p.a.
6.46% p.a.
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 60.01% - 80% of the property value
Variable rate for principal and interest repayments when borrowing 60.01% - 80% of the property value
6.49% p.a.
6.51% p.a.
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
6.89% p.a.
6.91% p.a.
Simple Home Loan
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.89% p.a.
7.91% p.a.
Complete Variable Home Loan
Variable rate for principal and interest repayments when borrowing up to 95% (including Lenders Mortgage Insurance) of the property value
Variable rate for principal and interest repayments when borrowing up to 95% (including Lenders Mortgage Insurance) of the property value
7.89% p.a.
8.26% p.a.
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.49% p.a.
8.10% p.a.
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.19% p.a.
7.90% p.a.
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.19% p.a.
7.75% p.a.
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.29% p.a.
7.65% p.a.
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.29% p.a.
7.53% p.a.
Complete Fixed Home Loan
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.29% p.a.
8.19% p.a.
Complete Fixed Home Loan
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.19% p.a.
8.11% p.a.
Complete Fixed Home Loan
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
6.99% p.a.
7.98% p.a.
Complete Fixed Home Loan
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.09% p.a.
7.95% p.a.
Complete Fixed Home Loan
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.19% p.a.
7.94% p.a.
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.69% p.a.
9.36% p.a.
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.39% p.a.
9.00% p.a.
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.39% p.a.
8.71% p.a.
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.49% p.a.
8.50% p.a.
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing up to 90% (including Lenders Mortgage Insurance) of the property value
6.49% p.a.
8.27% p.a.
Fixed Rate Home Loan
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
1 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.49% p.a.
9.45% p.a.
Fixed Rate Home Loan
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
2 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.39% p.a.
9.22% p.a.
Fixed Rate Home Loan
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
3 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.19% p.a.
8.95% p.a.
Fixed Rate Home Loan
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
4 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.29% p.a.
8.80% p.a.
Fixed Rate Home Loan
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
5 year fixed rate for principal and interest repayments when borrowing 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
7.39% p.a.
8.68% p.a.
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.
What's the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).
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. 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.
Reference rates for our home loans
A reference rate is a benchmark rate used to set home loan interest rates. Each variable home loan product is linked to one of the below reference rates. The reference rate for your home loan product – after we've applied any relevant discounts – determines your variable interest rate.| Our interest rate | |
|---|---|
|
Owner Occupiers
?
|
9.00% p.a.
|
|
Owner Occupiers (interest only)
?
|
9.35% p.a.
|
|
Investors
?
|
9.65% p.a.
|
|
Investors (interest only)
?
|
9.78% p.a.
|
Please note: The above reference rates may not apply to your particular repayment type. The reference rate and discount margin applicable to an individual loan is specified in the loan contract.
Our personal loan rates
| Loan type | Fixed interest rate | Comparison rate |
|---|---|---|
|
8.99% p.a.
|
9.33% p.a.
|
|
|
10.99% p.a.
|
11.32% p.a.
|
|
Rates
Loan type
Fixed interest rate
Comparison rate
Rates are subject to change. Other fees and charges may apply. A full list of fees will be included in your personal loan contract.
What’s the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).
Comparison rate warning:
Comparison rates for secured and unsecured personal loans are based on a loan amount of $30,000 over 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 8.99% p.a. (9.33% p.a. comparison rate) the total amount payable is $37,656.60 including interest and fees. For an Unsecured Personal Loan of $30,000 borrowed over a 5-year term at 10.99% p.a. (11.32% p.a. comparison rate) the total amount payable is $39,427.20 including interest and fees. These examples are estimates only and assume all repayments are made on time.
Cars and motorcycles used as security for the Secured Car Loan must be valued at least $10,000 or be less than seven years old.
Calculators
Calculate home loan repayments
Calculate personal loan repayments
Find out what your repayments might be for a personal loan, based on your payment frequency and life of the loan.