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Product Summary
What do I get?
Minimum loan amount
Maximum LVR
Interest only repayments available
Maximum interest only term
100% offset on interest only
Tiered interest rate discount
100% offset
Family repayment pause 3 or 6 months
Eco-repayment pause 3 or 6 months
Establishment fee - new loan
Establishment fee - existing loan
Annual package fee
Free offset and transactional banking
Additional repayments accepted
Fixed interest rate available
Split loan between variable and fixed facility
Redraw available
Early repayment penalty
Availability of loan insurance
 
Interest rate from 3.74
Comparison Rate 3.75
Product Summary

Our Basic Home Loan offers a competitive interest rate and other features to make your home or investment loan more affordable.

What do I get?
  • No establishment fee for Variable Basic Home Loans
  • Option to fix full loan or split between fixed and variable
  • Available for investment purpose
  • Interest only option available (for investment loans only)
  • Redraw available
Minimum loan amount
$10,000 - new customers only
$100,000 - in new funds for existing borrowers
Maximum LVR
Special rate - 70%
Without LMI/or for investment - 80%
For land or construction 80%
Interest only repayments available
construction only
Maximum interest only term
5 years if LVR <70%
3 years if LVR >70%
100% offset on interest only
 
Tiered interest rate discount
 
100% offset
 
Family repayment pause 3 or 6 months
 
Eco-repayment pause 3 or 6 months
 
Establishment fee - new loan
No establishment for variable (until 31/08/2017)
Fixed - $595
Establishment fee - existing loan
$295
Annual package fee
N/A
Free offset and transactional banking
 
Additional repayments accepted
but not when fixed
Fixed interest rate available
 
Split loan between variable and fixed facility
 
Redraw available
 
Early repayment penalty
 
Availability of loan insurance
 
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Interest rate from 3.79
Comparison Rate 4.33
Product Summary

Our Premium Home Loan Package offers a fully featured home loan, discounted interest rates, fee waivers and discounts across a host of other products, and an obligation-free consultation with a financial advisor.

What do I get?
  • Tiered variable rate discounts
  • 0.15% Fixed Rate discount (discount applies to <80% LVR lending only)
  • Free offset and transactional banking
  • No annual fee and zero interest for 12 months on balance transfer on our Platinum Rewards Visa Credit Card
Minimum loan amount
$100,000 - new customers
$100,000 - in total exposure for existing customers
Maximum LVR
Without LMI/or for investment - 80%
With LMI - 95% + LMI
For land or construction - 90% + LMI
Interest only repayments available
 
Maximum interest only term
5 years if LVR <70%
3 years if LVR >70%
100% offset on interest only
 
Tiered interest rate discount
 
100% offset
no fee applies
Family repayment pause 3 or 6 months
 
Eco-repayment pause 3 or 6 months
 
Establishment fee - new loan
N/A
Establishment fee - existing loan
$0
Annual package fee
$350
Free offset and transactional banking
 
Additional repayments accepted
 
Fixed interest rate available
 
Split loan between variable and fixed facility
 
Redraw available
 
Early repayment penalty
 
Availability of loan insurance
 
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Interest rate 4.92
Comparison Rate 4.96
Product Summary

Our bridging home loan will help you get into your new home even before your existing home sells and settles.

What do I get?
  • Available for purchase or construction prior to sale of existing property
  • Available for investment purpose to existing customers only
  • Extra repayments welcome
  • 12 month term
Minimum loan amount
$10,000
Maximum LVR
Without LMI/or for investment - 80%
For land or construction - 80%
Interest only repayments available
 
Maximum interest only term
N/A
100% offset on interest only
N/A
Tiered interest rate discount
 
100% offset
 
Family repayment pause 3 or 6 months
N/A
Eco-repayment pause 3 or 6 months
N/A
Establishment fee - new loan
$595
Establishment fee - existing loan
$295
Annual package fee
N/A
Free offset and transactional banking
 
Additional repayments accepted
 
Fixed interest rate available
 
Split loan between variable and fixed facility
 
Redraw available
 
Early repayment penalty
 
Availability of loan insurance
 
×Remove
Interest rate 4.92
Product Summary

A line of credit allows you to use the equity you've successfully built up in your home to borrow.

What do I get?
  • Secured credit facility with everyday access at a mortgage secured rate
  • Available for investment purpose to existing customers only
  • Extra repayments welcome
Minimum loan amount
$10,000
Maximum LVR
Without LMI/or for investment: 80%
Interest only repayments available
 
Maximum interest only term
N/A
100% offset on interest only
N/A
Tiered interest rate discount
 
100% offset
N/A
Family repayment pause 3 or 6 months
N/A
Eco-repayment pause 3 or 6 months
N/A
Establishment fee - new loan
$595
Establishment fee - existing loan
$295
Annual package fee
$0
Free offset and transactional banking
 
Additional repayments accepted
 
Fixed interest rate available
 
Split loan between variable and fixed facility
N/A
Redraw available
N/A
Early repayment penalty
 
Availability of loan insurance
 
×Remove
Product Summary

If you're a self-managed super fund (SMSF) investor, our Limited Recourse Loan for SMSFs can give you the finance you need to partly fund an investment property purchase

What do I get?
  • Offset (residential only)
  • Extra repayments welcome
  • Split with fixed and variable
  • Make better use of the taxation advantages available within SMSFs
Minimum loan amount
Maximum LVR
Interest only repayments available
Maximum interest only term
100% offset on interest only
Tiered interest rate discount
100% offset
Family repayment pause 3 or 6 months
Eco-repayment pause 3 or 6 months
Establishment fee - new loan
Establishment fee - existing loan
Annual package fee
Free offset and transactional banking
Additional repayments accepted
Fixed interest rate available
Split loan between variable and fixed facility
Redraw available
Early repayment penalty
Availability of loan insurance
×Remove