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Interest rate from
3.86% p.a.
Comparison Rate
3.90% p.a.*

effective 12 April 2017

Variable Rates
Total Lending Interest Rate Comparison Rate
Standard 3.86% p.a. 3.90% p.a.*
Investment P&I 4.87% p.a. 4.91% p.a.*
Fixed Rates
Total Lending Interest Rate Comparison Rate
Fixed 1 Year 3.89% p.a. 4.32% p.a.*
Fixed 2 Years 3.99% p.a. 4.30% p.a.*
Fixed 3 Years 4.14% p.a. 4.32% p.a.*
Fixed 5 Years 4.44% p.a. 4.41% p.a.*
Fixed 1 Year - Investment P&I 4.64% p.a. 4.89% p.a.*
Fixed 2 Years - Investment P&I 4.24% p.a. 4.80% p.a.*
Fixed 3 Years - Investment IO 4.44% p.a. 4.80% p.a.*
Fixed 5 Years - Investment P&I 4.74% p.a. 4.86% p.a.*
Fees and Charges
Establishment fee for new mortgage $595
Establishment fee - existing mortgage $295
Discharge fee $250
The fine print

*Comparison Rate. The Comparison Rate is based on a loan of $150,000 for 25 years. Fees and charges may be applicable.

IMPORTANT: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

  1. Terms and conditions, fees and charges apply. Loans subject to normal lending criteria and approval. Rates apply to applications received from 20/02/17 however are subject to change at anytime. Offer available to new and existing borrowers. For existing borrowers the new loan funds must exceed $100,000. Excludes investment loans.
  2. Redraw not available during an interest only or fixed period.
  3. A maximum Loan to Value (LVR) ratio of 80% applies to the Basic Home Loan and Basic Investment Loan.

  4. Basic Fixed Loans revert to the Basic Home Loan Reference Rate. 
  5. Bank Australia offsets an equivalent amount of land as is being constructed on into the Bank Australia Conservation Reserve . Carbon sequestered from these trees is monitored and reported by Landcare CarbonSMART. Homes constructed on large lots of land such as hobby farms will be offset according to the amount of land occupied by the dwelling.