Owner Occupier home loan interest rates

Loan type
Principal & Interest rate
Principal & Interest Package rate**
Interest Only rate 
Interest Only Package rate**
Extra Home Loan
(Loan to Value ratio of 70% or less)*
3.22% p.a.
3.23% p.a. Comparison rate
n/a
3.78% p.a.
3.44% p.a. Comparison rate
n/a
Extra Home Loan
(Loan to Value ratio of 70.01% or more)*
3.32% p.a.
3.33% p.a. Comparison rate
n/a
3.88% p.a.
3.55% p.a. Comparison rate
n/a
Extra Home Loan (2 Year Intro Rate)*
3.27% p.a.
3.83% p.a. Comparison rate
n/a
3.83% p.a.
4.06% p.a. Comparison rate
n/a
Extra Home Loan (4 Year Intro Rate)*
3.27% p.a.
3.72% p.a. Comparison rate
n/a
3.83% p.a.
3.95% p.a. Comparison rate
n/a
Standard Variable Rate (SVR)
4.80% p.a.
4.95% p.a. Comparison rate
4.30% p.a.
4.71% p.a. Comparison rate
5.29% p.a.
5.13% p.a. Comparison rate
4.79% p.a.
4.87% p.a. Comparison rate
1 Year Fixed Rate
3.44% p.a.
4.82% p.a. Comparison rate
3.29% p.a.
4.61% p.a. Comparison rate
4.04% p.a.
4.87% p.a. Comparison rate
3.89% p.a.
4.66% p.a. Comparison rate
2 Year Fixed Rate
3.14% p.a.
4.64% p.a. Comparison rate
2.99% p.a.
4.47% p.a. Comparison rate
3.94% p.a.
4.78% p.a. Comparison rate
3.79% p.a.
4.60% p.a. Comparison rate
3 Year Fixed Rate
3.14% p.a.
4.51% p.a. Comparison rate
2.99% p.a.
4.37% p.a. Comparison rate
3.94% p.a.
4.71% p.a. Comparison rate
3.79% p.a.
4.55% p.a. Comparison rate
4 Year Fixed Rate
3.64% p.a.
4.55% p.a. Comparison rate
3.49% p.a.
4.44% p.a. Comparison rate
4.14% p.a.
4.72% p.a. Comparison rate
3.99% p.a.
4.57% p.a. Comparison rate
5 Year Fixed Rate
3.64% p.a.
4.47% p.a. Comparison rate
3.49% p.a.
4.38% p.a. Comparison rate
4.14% p.a.
4.67% p.a. Comparison rate
3.99% p.a.
4.55% p.a. Comparison rate
Viridian Line of Credit
6.28% p.a.
5.78% p.a.
n/a
n/a

Compare the features, rates and fees of all our flexible home loans

Investment home loan interest rates

Loan type
Principal & Interest rate
Principal & Interest Package rate**
Interest Only rate
Interest Only Package rate**
Extra Home Loan
(Loan to Value ratio of 70% or less)*
3.52% p.a.
3.53% p.a. Comparison rate
n/a
4.08% p.a.
3.75% p.a. Comparison rate
n/a
Extra Home Loan
(Loan to Value ratio of 70.01% or more)*
3.67% p.a.
3.68% p.a. Comparison rate
n/a
4.23% p.a.
3.90% p.a. Comparison rate
n/a
Extra Home Loan (2 Year Intro Rate)*
3.57% p.a.
4.16% p.a. Comparison rate
n/a
4.13% p.a.
4.40% p.a. Comparison rate
n/a
Extra Home Loan (4 Year Intro Rate)*
3.57% p.a.
4.05% p.a. Comparison rate
n/a
4.13% p.a.
4.29% p.a. Comparison rate
n/a
Standard Variable Rate (SVR)
5.38% p.a.
5.52% p.a. Comparison rate
4.88% p.a.
5.28% p.a. Comparison rate
5.64% p.a.
5.62% p.a. Comparison rate
5.14% p.a.
5.35% p.a. Comparison rate
1 Year Fixed Rate
3.79% p.a.
5.37% p.a. Comparison rate
3.64% p.a.
5.16% p.a. Comparison rate
4.04% p.a.
5.39% p.a. Comparison rate
3.89% p.a.
5.18% p.a. Comparison rate
2 Year Fixed Rate
3.59% p.a.
5.19% p.a. Comparison rate
3.44% p.a
5.01% p.a. Comparison rate
3.94% p.a.
5.25% p.a. Comparison rate
3.79% p.a.
5.06% p.a. Comparison rate
3 Year Fixed Rate
3.79% p.a.
5.09% p.a. Comparison rate
3.64% p.a.
4.95% p.a. Comparison rate
3.94% p.a.
5.14% p.a. Comparison rate
3.79% p.a.
4.97% p.a. Comparison rate
4 Year Fixed Rate
3.79% p.a.
4.97% p.a. Comparison rate
3.64% p.a.
4.86% p.a. Comparison rate
4.14% p.a.
5.10% p.a. Comparison rate
3.99% p.a.
4.95% p.a. Comparison rate
5 Year Fixed Rate
3.79% p.a.
4.86% p.a. Comparison rate
3.64% p.a.
4.77% p.a. Comparison rate
4.14% p.a.
5.01% p.a. Comparison rate
3.99% p.a.
4.89% p.a. Comparison rate
Viridian Line of Credit
6.28% p.a.
5.78% p.a.
n/a
n/a

Latest home loan offers

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Exclusive offer for existing home loan customers who sell their property and fund their next home loan with us by 31 January 2020. 

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

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Things you should know

Please refer to our Home Loan Fact Sheets for details regarding our loans. The reference rate for your loan will depend on the repayment type you select – Principal and Interest or Interest Only. See rates for products no longer offered (PDF).

* The associated rate includes a margin below or above the applicable reference rate that applies for new lending only. As at 22 October 2019 the Extra Home Loan reference rate for Owner Occupied home loans is 4.03% and the current Extra Home Loan reference rate for Investment home loans is 4.38% p.a. Extra Home Loan (4 Year Introductory Rate) is only available for first home buyers where none of the applicants have previously owned or currently hold an interest in property anywhere in Australia. At the end of the introductory period, a reduced discount applies for the remaining life of the loan, which will result in the interest rate and repayments increasing at that time.

** To be eligible for a package you must have an initial total home lending balance of $150,000 (the sum of the account balance of eligible home lending and line of credit accounts) and pay an annual package fee of $395. Package rates shown are based on a discount of 0.50% p.a. on the Standard Variable Rate and Viridian Line of Credit, and a discount of 0.15% p.a. on Fixed Rates in a package. Low Doc loans not eligible. Please refer to the Wealth Package Fact Sheet or Mortgage Advantage Fact Sheet for full details.

Rates are subject to change. Applications are subject to normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable.

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.