Loan Interest Rates

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

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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 for a period of 12 months.
  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.
  6.  Comparison rate is based on a typical Personal Loan of $10,000 over 3 years.

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