• Basic home loan
    Loan to value ratio1help_outlineInterest rate2
    Comparison rate3Reference rateDiscount/Margin
    80% or less 4.09% p.a. 4.11% p.a. 4.44% p.a. -0.35% p.a.
    More than 80% 4.74% p.a. 4.76% p.a. 4.44% p.a. +0.30% p.a.
  • Flexible home loan
    Loan to value ratio1help_outlineInterest rate2
    Comparison rate3Reference rateDiscount/Margin
    80% or less 5.03% p.a. 5.05% p.a. 5.03% p.a. 0.00% p.a.
    More than 80% 5.33% p.a. 5.35% p.a. 5.03% p.a. +0.30% p.a.
  • Flexible Home Loan Member package4 - Loan amount less than $150,000
    Loan to value ratio1help_outlineInterest rate2
    Comparison rate3Reference rateDiscount/Margin
    80% or less 4.83% p.a. 5.22% p.a. 4.83% p.a. 0.00% p.a.
    above 80% and less than or equal to 90% 4.83% p.a. 5.22% p.a. 4.83% p.a. 0.00% p.a.
    More than 90% 5.18% p.a. 5.57% p.a. 4.83% p.a. +0.35% p.a.
  • Flexible Home Loan Member package4 - Loan amount $150,000 - $400,000
    Loan to value ratio1help_outlineInterest rate2
    Comparison rate3Reference rateDiscount/Margin
    80% or less 3.79% p.a. 4.20% p.a. 4.83% p.a. -1.04% p.a.
    above 80% and less than or equal to 90% 4.29% p.a. 4.69% p.a. 4.83% p.a. -0.54% p.a.
    More than 90% 5.18% p.a. 5.57% p.a. 4.83% p.a. +0.35% p.a.
  • Flexible Home Loan Member package4 - Loan amount $400,000 - $700,000
    Loan to value ratio1help_outlineInterest rate2
    Comparison rate3Reference rateDiscount/Margin
    80% or less 3.74% p.a. 4.15% p.a. 4.83% p.a. -1.09% p.a.
    above 80% and less than or equal to 90% 4.19% p.a. 4.59% p.a. 4.83% p.a. -0.64% p.a.
    More than 90% 5.18% p.a. 5.57% p.a. 4.83% p.a. +0.35% p.a.
  • Flexible Home Loan Member package4 - Loan amount $700,000 or more
    Loan to value ratio1help_outlineInterest rate2
    Comparison rate3Reference rateDiscount/Margin
    80% or less 3.74% p.a. 4.15% p.a. 4.83% p.a. -1.09% p.a.
    above 80% and less than or equal to 90% 4.09% p.a. 4.50% p.a. 4.83% p.a. -0.74% p.a.
    More than 90% 5.18% p.a. 5.57% p.a. 4.83% p.a. +0.35% p.a.
  • Fixed Rates - Flexible Home Loan5
    TermInterest rateComparison rate3
    1 year 3.99% p.a. 4.95% p.a.
    2 year 3.74% p.a. 4.81% p.a.
    3 year 3.99% p.a. 4.77% p.a.
    4 year 4.29% p.a. 4.79% p.a.
    5 year 4.49% p.a. 4.82% p.a.
    6 year 5.49% p.a. 5.28% p.a.
    7 year 5.49% p.a. 5.30% p.a.
  • Fixed Rates - Flexible Home Loan with Member Package5
    TermInterest rateComparison rate3
    1 year 3.99% p.a. 4.22% p.a.
    2 year 3.74% p.a. 4.19% p.a.
    3 year 3.99% p.a. 4.25% p.a.
    4 year 4.29% p.a. 4.37% p.a.
    5 year 4.49% p.a. 4.49% p.a.
    6 year 5.49% p.a. 5.02% p.a.
    7 year 5.49% p.a. 5.13% p.a.

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the legal stuff.

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

  1. Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100.
  2. 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.
  3. 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.
  4. Member Package annual fee of $395 applies.
  5. 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.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.