Rates & fees

One Year Guaranteed Rate

While you get used to your new financial routine, you can protect yourself against any increases in interest rates by ensuring that your repayments remain the same for the first 12 months. This feature is only available for new loans, and after the first year the rate converts to our current standard variable rate.

One Year Guaranteed Rate

8.54% p.a.

Comparison Rate

9.36% p.a.

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Fixed Interest Rate
If you would like the assurance of knowing exactly what your monthly repayment will be for the first few years, you can lock in the interest rate you'll pay for periods of 1 to 5, 7, 10, or 15 years.

1 Year Fixed Rate

8.69% p.a.

Comparison Rate

9.38% p.a.

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2 Year Fixed Rate

8.69% p.a.

Comparison Rate

9.31% p.a.

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3 Year Fixed Rate

8.54% p.a.

Comparison Rate

9.21% p.a.

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4 Year Fixed Rate

8.54% p.a.

Comparison Rate

9.14% p.a.

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5 Year Fixed Rate

8.54% p.a.

Comparison Rate

9.08% p.a.

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7 Year Fixed Rate

8.69% p.a.

Comparison Rate

9.07% p.a.

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10 Year Fixed Rate

8.69% p.a.

Comparison Rate

8.97% p.a.

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15 Year Fixed Rate

8.69% p.a.

Comparison Rate

8.88% p.a.

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Fixed Rate in Wealth Package

Save 0.15%* p.a. on our Fixed Rate and Investment home loans within our Wealth Package. Take a look at our interest rates and comparison rates.

Standard Variable Rate
Save over the life of your loan with our 100% off-set option, available only with our standard variable rate. You'll also enjoy other great benefits such as Repayment Redraw.

Standard Variable Rate

9.33% p.a.

Comparison Rate

9.44% p.a.

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12 Month Discounted Variable Rate
This option enables you to get a head start on paying off your home loan. The discounted rate is only available for new loans, and at the end of the discounted period the interest rate converts our current standard variable rate. Alternatively, you can choose another home loan option (a switching fee applies).

12 Month Discounted Variable Rate

8.30% p.a.

Comparison Rate

9.34% p.a.

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Establishment fee
Apply online and pay $250 up front establishment fee for a limited time.

Otherwise, the establishment fee for a standard variable rate loan is $450, or $600 for all other home loans.

Service fee

The monthly service fee for your Complete home loan is $8.

What is a comparison rate?

A comparison rate helps you identify the true cost of a loan. It takes into account the interest rate, loan set-up costs, the term of the loan, and any other up front or ongoing fees associated with a loan.

When deciding on the loan that suits your particular needs, it's important to consider all features of the loan, not just the comparison rate. For example, features such as fee-free Internet banking or flexible repayment arrangements are not included in the comparison rate.

It's also important to know that the comparison rate does not include:

• government charges, such as stamp duty or mortgage registration fees
• fees and charges associated with certain loan options that may or may not be used by the lender, such as early repayment or redraw fees
• fees and charges which may not be available at the time the comparison rate is provided

Important information

• *15 September 2008.
• All comparison rates are calculated on the basis of secured credit of $150,000 over a 25 year term. Comparison rate schedules are available by calling 13 2224 or by visiting any branch. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.