Rates & fees

If you would like the assurance of knowing exactly what your repayments will be, you can set your interest rate for fixed periods of 1 to 5, 7, 10, or 15 years.

At the end of the fixed rate period your loan will convert to the Standard Variable Rate, or you can revert back to a fixed rate period if you prefer (conditions and fees apply).

Interest Rates

View our comparison schedule

1 Year Fixed	6.64% p.a.	Comparison Rate	6.97% p.a.
2 Year Fixed	7.34% p.a.	Comparison Rate	7.09% p.a.
3 Year Fixed	7.74% p.a.	Comparison Rate	7.25% p.a.
4 Year Fixed	7.94% p.a.	Comparison Rate	7.40% p.a.
5 Year Fixed	8.04% p.a.	Comparison Rate	7.53% p.a.
7 Year Fixed	8.29% p.a.	Comparison Rate	7.84% p.a.
10 Year Fixed	8.39% p.a.	Comparison Rate	8.13% p.a.
15 Year Fixed	8.44% p.a.	Comparison Rate	8.42% p.a.

Rate Lock fee

There is a $750 fee for each Rate Lock (only available for 1-5 Year Fixed Rates).

Establishment fee

The up-front establishment fee is $600.

Loan Service fee

The monthly loan service fee is $8.

Great Savings with Wealth Package

Save 0.15% p.a. on our Fixed Rate Home and Investment Home Loans with our Wealth Package. You can also benefit from no up-front establishment fee and no loan service fee for the life of the loan, along with savings on other banking, investment and insurance services. 

Find out more about our Wealth Package.

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

• 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.
• Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the Loan Offer. Other fees and charges are payable.