Owner Occupied
| Variable Home Loans(1) | Interest Rate | Comparison rate(3) |
| Discounted Variable (for first 12 Months)(2) | 2.95% pa | 3.94% pa |
| Standard Variable | 3.95% pa | 4.03% pa |
| Fixed Rate Home Loans | Interest Rate | Comparison rate(3) |
| 1 Year Fixed | 2.75% pa | 3.92% pa |
| 2 Year Fixed | 2.75% pa | 3.82% pa |
| 3 Year Fixed | 2.80% pa | 3.74% pa |
Investment Home Loans
| Variable Home Loans(1) | Interest Rate | Comparison rate(3) |
| Discounted Variable (for first 12 Months)(2) | 3.55% pa | 4.54% pa |
| Standard Variable | 4.55% pa | 4.63% pa |
| Fixed Rate Home Loans | Interest Rate | Comparison rate(3) |
| 1 Year Fixed | 3.10% pa | 4.50% pa |
| 2 Year Fixed | 3.10% pa | 4.37% pa |
| 3 Year Fixed | 3.15% pa | 4.27% pa |
Construction and Interest only loans
| Loan Type | Interest Rate | Comparison Rate(3) |
| Construction Loans | 3.95% pa | 4.03% pa |
| Interest Only Home Loan | 4.80% pa | 4.89% pa |
| Bridging Home Loan | 4.20% pa | 4.06% pa |
Car Loans
| Secured (minimum $5,000) | Interest Rate From | Comparison Rate(4) |
| New Car Loan | 5.99% pa | 6.27% pa |
| Car Loan (up to 3 years old) | 6.99% pa | 7.27% pa |
| Car Loan (over 3 years old) | 7.99% pa | 8.27% pa |
Personal Loans
| Loan Type $2,000 – $4,999 | Interest Rate | Comparison Rate(5) |
| Home Owner | 15.50% pa | 24.18% pa |
| Non Home Owner (Previous Family First Borrower) | 16.50% pa | 25.22% pa |
| Non Home Owner (First Time Borrower) | 18.50% pa | 27.29% pa |
| Loan Type $5,000 – $30,000 | Interest Rate | Comparison Rate(6) |
| Home Owner | 12.50% pa | 13.91% pa |
| Non Home Owner (Previous Family First Borrower) | 14.00% pa | 15.43% pa |
| Non Home Owner (First Time Borrower) | 16.00% pa | 17.44% pa |
Overdrafts
| Loan Type | Interest Rate |
| Mortgage Secured Overdraft (minimum $5,000) | 5.60% pa |
| Secured Overdraft (minimum $5,000) | 5.60% pa |
| Unsecured Overdraft ($500 – $1,999) | 16.00% pa |
| Unsecured Overdraft ($2,000 and over) | Interest Rate |
| Home Owner | 12.50% pa |
| Non Home Owner (Previous Family First Borrower) | 14.00% pa |
| Non Home Owner (First Time Borrower) | 16.00% pa |
Useful Links and Tools
Questions?
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- Interest Only option available, Redraw available, Mortgage Offset available on application.
- This product is guaranteed to be 1.00% p.a. under the standard variable mortgage rate for a period of 12 months.
- Comparison rate is based on a $150,000 Secured Home or Investment loan over a 25 year period.
- Comparison rate is based on a typical secured Car Loan of $30,000 over 5 years.
- Comparison rate is based on a typical Personal Loan of $2,500 over 2 years.
- Comparison rate is based on a typical Personal Loan of $10,000 over 3 years.
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