- Basic home loan
Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **4.49% p.a.****4.51% p.a.****4.69% p.a.****-0.20% p.a.**above 80% and less than or equal to 90% **5.19% p.a.****5.21% p.a.****4.69% p.a.****+0.50% p.a.** - Flexible home loan
Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **5.79% p.a.****5.81% p.a.****5.28% p.a.****+0.51% p.a.**above 80% and less than or equal to 90% **6.09% p.a.****6.11% p.a.****5.28% p.a.****+0.81% p.a.** - Flexible Home Loan Member package
^{4}- Loan amount less than $150,000Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **5.08% p.a.****5.47% p.a.****5.08% p.a.****0.00% p.a.**above 80% and less than or equal to 90% **5.08% p.a.****5.47% p.a.****5.08% p.a.****0.00% p.a.** - Flexible Home Loan Member package
^{4}- Loan amount $150,000 - $400,000Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **4.54% p.a.****4.94% p.a.****5.08% p.a.****-0.54% p.a.**above 80% and less than or equal to 90% **4.74% p.a.****5.13% p.a.****5.08% p.a.****-0.34% p.a.** - Flexible Home Loan Member package
^{4}- Loan amount $400,000 - $700,000Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **4.49% p.a.****4.89% p.a.****5.08% p.a.****-0.59% p.a.**above 80% and less than or equal to 90% **4.64% p.a.****5.04% p.a.****5.08% p.a.****-0.59% p.a.** - Flexible Home Loan Member package
^{4}- Loan amount $700,000 or moreLoan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **4.39% p.a.****4.79% p.a.****5.08% p.a.****-0.69% p.a.**above 80% and less than or equal to 90% **4.54% p.a.****4.94% p.a.****5.08% p.a.****-0.54% p.a.** - Fixed Rates - Flexible Home Loan
^{5}Term Interest rate Comparison rate ^{3}1 year **4.29% p.a.****5.66% p.a.**2 year **4.39% p.a.****5.54% p.a.**3 year **4.49% p.a.****5.45% p.a.**4 year **4.59% p.a.****5.39% p.a.**5 year **4.79% p.a.****5.39% p.a.**6 year **6.29% p.a.****6.06% p.a.**7 year **6.29% p.a.****6.09% p.a.** - Fixed Rates - Flexible Home Loans with Member Package
^{5}Term Interest rate Comparison rate ^{3}1 year **4.29% p.a.****4.91% p.a.**2 year **4.39% p.a.****4.91% p.a.**3 year **4.49% p.a.****4.92% p.a.**4 year **4.59% p.a.****4.95% p.a.**5 year **4.79% p.a.****5.04% p.a.**6 year **6.29% p.a.****5.80% p.a.**7 year **6.29% p.a.****5.91% p.a.**

- Basic home loan
Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **5.29% p.a.****5.31% p.a.****4.69% p.a.****+0.60% p.a.** - Flexible home loan
Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **6.59% p.a.****6.61% p.a.****5.28% p.a.****+1.31% p.a.** - Flexible Home Loan Member package
^{4}- Loan amount less than $150,000Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **5.88% p.a.****6.25% p.a.****5.08% p.a.****+0.80% p.a.** - Flexible Home Loan Member package
^{4}- Loan amount $150,000 - $400,000Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **5.34% p.a.****5.72% p.a.****5.08% p.a.****+0.26% p.a.** - Flexible Home Loan Member package
^{4}- Loan amount $400,000 - $700,000Loan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **5.29% p.a.****5.67% p.a.****5.08% p.a.****+0.21% p.a.** - Flexible Home Loan Member package
^{4}- Loan amount $700,000 or moreLoan to value ratio *help_outline*Interest rate Comparison rate ^{3}Reference rate Discount/Margin 80% or less **5.19% p.a.****5.58% p.a.****5.08% p.a.****+0.11% p.a.** - Fixed Rates - Flexible Home Loan
^{5}Term Interest rate Comparison rate ^{3}1 year **5.09% p.a.****6.46% p.a.**2 year **5.19% p.a.****6.33% p.a.**3 year **5.29% p.a.****6.24% p.a.**4 year **5.39% p.a.****6.17% p.a.**5 year **5.59% p.a.****6.17% p.a.**6 year **7.09% p.a.****6.87% p.a.**7 year **7.09% p.a.****6.90% p.a.**1 Year Fixed Interest In Advance **5.09% p.a.****6.46% p.a.** - Fixed Rates - Flexible Home Loans with Member Package
^{5}Term Interest rate Comparison rate ^{3}1 year **5.09% p.a.****5.70% p.a.**2 year **5.19% p.a.****5.69% p.a.**3 year **5.29% p.a.****5.71% p.a.**4 year **5.39% p.a.****5.74% p.a.**5 year **5.59% p.a.****5.83% p.a.**6 year **7.09% p.a.****6.61% p.a.**7 year **7.09% p.a.****6.72% p.a.**1 Year Fixed Interest In Advance **5.09% p.a.****5.70% p.a.**

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get a call back**the legal stuff**

Interest rates are current as at 8am 21-Aug-2017 and subject to change.

Investment loan purpose includes but is not limited to, funds for shares, land, construction or an established dwelling (including refinance of investment loans) for investment purposes. For loans with mixed purpose, investment rates apply where a loan is used predominantly (greater than 50%) for investment purposes.

- Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100.
- The variable interest rate may include a discount or margin that is applied to the product’s variable reference rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.
- Home Loan comparison rates calculated on a loan of $150,000 for a term of 25 years, repaid monthly.
**WARNING**: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. Fixed rate comparison rates only apply for loans with an LVR of 80% or less and a loan amount of $150,000 to less than $400,000. - Member Package annual fee of $395 applies.
- A current fixed rate can be secured for 90 days by paying a $500 rate lock request fee. At settlement you will get the better of the two rates.
- This comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to less than $400,000.
- Ultimate Offset Account - Fixed rates are only available on split loans and part of the split loan must have a variable rate. The example given assumes that the loan is split 50/50 between variable rate and fixed rate portions.