basic home loan

Book a Mobile Banker.

meet ME.
  • >Free service
  • >No obligation

A no-nonsense loan that gets the job done, without all the bells and whistles.

• Competitive variable rate.
• Redraw your cash from available funds when you need it.
• No application or account-keeping fees^.


minimum loan amount: $40,000
repayment options. Choose from weekly, fortnightly or monthly repayments
fees. No application fee or ongoing account-keeping fees^
redraw. Redraw your cash  from available funds when you need it, at no charge (minimum $500)
borrowing capacity. Borrow up to 95% of the property valuation
interest only. Available on all loans up to 5 years
we'll come to you. Book a Mobile Banking Manager to come to your home or workplace



OWNER OCCUPIED (variable rates only)
Loan to Value Ratio (LVR)1 80% or less more than 80%
Reference Rate 4.44%p.a. 4.44%p.a.
Discount(-) -0.35%p.a. -
Margin (+) - +0.30%p.a.
Comparison Rate3 4.11%p.a. 4.76%p.a.

INVESTMENT (variable rates only)
Loan to Value Ratio (LVR)1 80% or less more than 80%
Reference Rate 4.69%p.a. 4.69%p.a.
Discount2(-) -0.20%p.a. -
Margin (+) - +0.50%p.a.
Comparison Rate3 4.51%p.a. 5.21%p.a.



Other fees may apply over the life of the loan. Please call 13 15 63 if you have any questions.
Application fee No fee
Account-keeping fee No fee
Solicitor fee

Our solicitors prepare the mortgage and attend to settlement of your property and this fee covers some of our costs.


Valuation fee

We may need to value your property and this fee is charged per property valued and covers some of our costs. 


Agent fee

Payable at or before settlement if our external solicitors are required to instruct an agent to conduct the settlement (e.g. settlements which take place in rural areas).

Lenders Mortgage Insurance (LMI)

Payable when the loan amount is greater than 80% of the property's value. For more information on when and how much LMI is required, please call us on 13 15 63.

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things you should know

Interest rates are current as at 8am 29-May-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.

1Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100.

2Discounts are offered to new home loan applications only, the discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups or variations of existing home loans are not eligible. We may change or withdraw this discount at any time.

3Home 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.

^Solicitor, valuation and agent fees may apply.

Terms, conditions, fees and charges apply. Applications are subject to credit approval.