Featured rate

2.99 % PA
2 year fixed rate (with Wealth Package)
4.47 % PA
Comparison rate

Enjoy a discount on the 2 year fixed rate (owner occupied) with Wealth Package.

Principal and Interest repayments, a 0.15% p.a. interest rate discount, with no establishment fee or monthly loan service fees. Minimum package lending balance of $150,000.# Comparison rate warning

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Features & benefits

Range of options

Make your loan suit you with freedom to split your loan, rate lock and pay interest in advance.

Certainty

Lock in a great rate so you know what your repayments will be and can confidently plan for the future.

Wealth Package

Enjoy discounts on eligible loans and credit cards.

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Choice of repayments

Choose to pay Principal and Interest weekly, fortnightly or monthly. Or Interest Only1 monthly.

Is Interest Only right for you?

$2,000 cashback when you switch your home loan to us

Apply by 10 January 2020 and fund by 6 March 2020. Minimum refinance amount $250,000. This offer is not available for Bridging Loans and Owner Occupied home loans with interest only payments.

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Couple reviewing home loan details

Rates & fees

  • At the end of the fixed rate period, the loan converts to the Standard Variable Rate relevant to your loan purpose and repayment type at that time, or you can choose a new fixed rate period
  • $750 rate lock fee*
  • $600 upfront establishment fee ($0 with Wealth Package)
  • $8 monthly loan service fee ($0 with Wealth Package)
  • Interest Only payments available for up to 5 years for Owner Occupied Home Loans and up to 10 years for Investment Home Loans1

Download the Fixed Rate fact sheet (PDF)

Compare all home loan interest rates

Owner occupied

Term
Interest rate
Comparison rate
1 year fixed rate
3.44% p.a.
4.82% p.a.
1 year fixed rate (with Wealth Package)
3.29% p.a.
4.61% p.a.
2 year fixed rate
3.14% p.a.
4.64% p.a.
2 year fixed rate (with Wealth Package)
2.99% p.a.
4.47% p.a.
3 year fixed rate
3.14% p.a.
4.51% p.a.
3 year fixed rate (with Wealth Package)
2.99% p.a.
4.37% p.a.
4 year fixed rate
3.64% p.a.
4.55% p.a.
4 year fixed rate (with Wealth Package)
3.49% p.a.
4.44% p.a.
5 year fixed rate
3.64% p.a.
4.47% p.a.
5 year fixed rate (with Wealth Package)
3.49% p.a.
4.38% p.a.

The rates shown are interest rates for Principal and Interest repayments.**

Wealth Package requires a minimum package lending balance of at least $150,000.#

Comparison rate warning

Download all home loan interest rates (PDF)

Investment

Term
Interest rate
Comparison rate
1 year fixed rate
3.79% p.a.
5.37% p.a.
1 year fixed rate (with Wealth Package)
3.64% p.a.
5.16% p.a.
2 year fixed rate
3.59% p.a.
5.19% p.a.
2 year fixed rate (with Wealth Package)
3.44% p.a
5.01% p.a.
3 year fixed rate
3.79% p.a.
5.09% p.a.
3 year fixed rate (with Wealth Package)
3.64% p.a.
4.95% p.a.
4 year fixed rate
3.79% p.a.
4.97% p.a.
4 year fixed rate (with Wealth Package)
3.64% p.a.
4.86% p.a.
5 year fixed rate
3.79% p.a.
4.86% p.a.
5 year fixed rate (with Wealth Package)
3.64% p.a.
4.77% p.a.

The rates shown are interest rates for Principal and Interest repayments.**

Wealth Package requires a minimum package lending balance of at least $150,000.#

Comparison rate warning

Download all home loan interest rates (PDF)

Compare home loans

Borrowing options

Property share

Split the cost of a home with family or friends, while keeping individual control of your finances. Available on most home loans.

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Lenders’ Mortgage Insurance

Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit so you can own your home sooner.

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Guarantor support

A family member can help you secure a home loan by mortgaging their own property as additional security.

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Bridging finance

Get the finance you need to buy a new property before you’ve settled on the sale of your existing one.

Show me how

Things you should know

1 You can choose to pay Principal and Interest weekly, fortnightly, or monthly. Only monthly payments are available for Interest Only. The maximum Interest Only payment period over the life of a loan is 10 years for Investment Home Loans and 5 years for Owner Occupied Home Loans, so long as there is at least 5 years remaining on the Contracted Loan Term. We have different rates that apply, depending on whether you are making Interest Only payments or Principal and Interest repayments. During an Interest Only period, your Interest Only payments won't reduce your loan balance unless you choose to make additional repayments. At the end of an Interest Only period, your repayments will increase to cover Principal and Interest components.

Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING: 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. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed or guaranteed Interest Only loans are based on an initial Interest Only period equal in length to the fixed or guaranteed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

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.

* Rate Lock allows you to lock in the interest rates for a period of 90 days effective from the date we process your request. Rate lock fee only available on 1-5 year periods. Applies to each Rate lock. Rate Lock is only available at application and a fee applies. At the end of the fixed rate period, the interest rate converts to the applicable Standard Variable Rate relevant to your loan purpose and repayment type at that time, less any applicable package discount specified in your Loan Contract.

# Package requires at least $150,000 in package lending balance, and an annual fee of $395 applies. Package lending balance is the sum of the account balance of eligible home lending accounts and the credit limit of Viridian Line of Credit accounts that you have with us at the time you apply for Wealth Package. Eligible home loans are limited to those accounts that can be included in the Wealth Package.

** The rates shown are interest rates for Principal and Interest repayments. For all our rates including interest rates for Interest Only payments view our Home Loan Interest Rates.