Loan Interest Rates

Owner Occupied Home Loans

Variable Home Loans(1) Interest Rate Comparison rate(3)
Discounted Variable(2) 7.20% pa 7.27% pa
Standard Variable 5.94% pa 6.01% pa
Standard Variable up to $250K 6.20% pa 6.27% pa
Standard Variable $250K to $500K 6.13% pa 6.20% pa
Standard Variable $500K+ 5.94% pa 6.01% pa

 

Fixed Rate Home Loans Interest Rate Comparison rate(3)
1 Year Fixed 6.30% pa 7.18% pa
2 Year Fixed 6.20% pa 7.07% pa
3 Year Fixed 5.95% pa 6.91% pa

 

Investment Home Loans

 

Variable Home Loans(1) Interest Rate Comparison rate(3)
Discounted Variable(2) 7.80% pa 7.88% pa
Standard Variable 8.80% pa 8.88% pa
Standard Variable up to $250K 6.55% pa 6.62% pa
Standard Variable $250K to $500K 6.48% pa 6.55% pa
Standard Variable $500K+ 6.29% pa 6.36% pa

 

Fixed Rate Home Loans Interest Rate Comparison rate(3)
1 Year Fixed 6.65% pa 7.75% pa
2 Year Fixed 6.55% pa 7.62% pa
3 Year Fixed 6.30% pa 7.43% pa

 

Construction, Interest Only and Bridging Loans

 

Loan Type Interest Rate Comparison Rate(3)
Construction Loans 6.20% pa 6.27% pa
Interest Only Home Loan 8.05% pa 8.13% pa
Bridging Home Loan 7.45% pa 7.53% pa

 

Car Loans

Secured (minimum $5,000) Interest Rate From Comparison Rate(4)
New Car Loan (up to 12 months) 7.99% pa 8.35% pa
Car Loan (up to 3 years old) 8.99% pa 9.35% pa
Car Loan (over 3 years old) 9.99% pa 10.35% pa

Personal Loans

Loan Type $2,000 – $30,000 Interest Rate Comparison Rate(5)
Home Owner 14.00% pa 15.79% pa
Non Home Owner (Previous Family First Borrower) 15.50% pa 17.31% pa
Non Home Owner (First Time Borrower) 17.50% pa 19.33% pa

 

Overdrafts

Secured Interest Rate
Mortgage Secured Overdraft 9.60% pa
Secured by Assignment of Savings Overdraft 9.60% pa

 

Unsecured Interest Rate
Home Owner 14.50% pa
Non Home Owner (Previous Family First Borrower) 16.00% pa
Non Home Owner (First Time Borrower) 18.00% pa

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  1. Interest Only option available, Redraw available, Mortgage Offset available on application.
  2. This product is guaranteed to be 1.00% p.a. under the standard variable mortgage rate.
  3. Comparison rate is based on a $150,000 Secured Home or Investment loan over a 25 year period.
  4. Comparison rate is based on a typical secured Car Loan of $30,000 over 5 years.
  5. Comparison rate is based on a typical Personal Loan of $2,500 over 2 years.

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