Choose a home loan that’s right for you

Loan to value ratio (LVR) is the total amount you have borrowed for your loan as a percentage of your property value.

My loan is for

I'll be borrowing

$10,000 minimum loan amount

Standard Variable Rate

A competitive variable rate with discounts tailored to you, plus access to offset and an extensive range features.2 Tell me more

A competitive variable rate with discounts tailored to you, plus access to offset and an extensive range features.2 Tell me more

A competitive variable rate with discounts tailored to you, plus access to offset and an extensive range features.2 Tell me more

A competitive variable rate with discounts tailored to you, plus access to offset and an extensive range features.2 Tell me more

A competitive variable rate with discounts tailored to you, plus access to offset and an extensive range features.2 Tell me more

A variable rate home loan with an extensive range of features.2 Tell me more.

Interest Rate % p.a.

Comparison Rate*

% p.a.

Repayments

Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

Once #_KEY_IO_YEARS_DROPDOWN_# interest only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current rates - which may change.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Change your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

What you'll get

Trade-offs

  • Not protected from interest rate increases

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • Additional fees may apply

What you'll get

  • Wealth Package savings including an interest rate discount
  • Link multiple offsets
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Not protected from interest rate increases

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • Additional fees may apply

What you'll get

  • Wealth Package savings including an interest rate discount
  • Link multiple offsets
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Not protected from interest rate increases

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • Additional fees may apply

What you'll get

  • Wealth Package savings including an interest rate discount
  • Link multiple offsets
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Not protected from interest rate increases

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • Additional fees may apply

What you'll get

  • Wealth Package savings including an interest rate discount
  • Link multiple offsets
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Not protected from interest rate increases

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • Additional fees may apply

What you'll get

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • A higher interest rate compared to the Extra home loan (although the Extra home loan does not provide access to an Everyday Offset account or a Wealth Package)
  • Repayment amounts vary when interest rates change

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

Extra Home Loan

A home loan with a variable interest rate and low fees.2 Tell me more

A home loan with a variable interest rate and low fees.2 Tell me more

A home loan with a variable interest rate and low fees.2 Tell me more

A home loan with a variable interest rate and low fees.2 Tell me more

A home loan with a variable interest rate and low fees.2 Tell me more

Interest Rate

% p.a.

Comparison Rate*

% p.a.

Repayments

Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

Once #_KEY_IO_YEARS_DROPDOWN_# interest only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current rates - which may change.

The minimum loan amount for an Extra Home Loan with an introductory period (2 year or 4 year) is $150,000. 

Update your borrowing amount or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

The minimum loan amount for an Extra Home Loan with an introductory period (2 year or 4 year) is $150,000. 

Update your borrowing amount or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

The minimum loan amount for an Extra Home Loan with an introductory period (2 year or 4 year) is $150,000. 

Update your borrowing amount or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

The minimum loan amount for an Extra Home Loan with an introductory period (2 year or 4 year) is $150,000. 

Update your borrowing amount or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

The minimum loan amount for an Extra Home Loan with an introductory period (2 year or 4 year) is $150,000. 

Update your borrowing amount or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

What you'll get

  • A simple variable rate with low fees without the need for a Wealth Package
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Does not provide access to an Everyday Offset account or a Wealth Package
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

What you'll get

  • A simple variable rate with low fees without the need for a Wealth Package
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Does not provide access to an Everyday Offset account or a Wealth Package
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

What you'll get

  • A simple variable rate with low fees without the need for a Wealth Package
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Does not provide access to an Everyday Offset account or a Wealth Package
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

What you'll get

  • A simple variable rate with low fees without the need for a Wealth Package
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Does not provide access to an Everyday Offset account or a Wealth Package
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

What you'll get

  • A simple variable rate with low fees without the need for a Wealth Package
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Does not provide access to an Everyday Offset account or a Wealth Package
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

Fixed Rate

Always know what your repayments will be with a locked-in rate for 1 year.3 Tell me more

Always know what your repayments will be with a locked-in rate for 2 years.3 Tell me more

Always know what your repayments will be with a locked-in rate for 3 years.3 Tell me more

Always know what your repayments will be with a locked-in rate for 4 years.3 Tell me more

Always know what your repayments will be with a locked-in rate for 5 years.3 Tell me more

Always know what your repayments will be with a locked-in rate for 1 year.3 Tell me more

Always know what your repayments will be with a locked-in rate for 2 years.3 Tell me more

Always know what your repayments will be with a locked-in rate for 3 years.3 Tell me more

Always know what your repayments will be with a locked-in rate for 4 years.3 Tell me more

Always know what your repayments will be with a locked-in rate for 5 years.3 Tell me more

Interest Rate % p.a.

Comparison Rate*

% p.a.

Repayments

Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

Once #_KEY_IO_YEARS_DROPDOWN_# interest only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current rates - which may change.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

Wealth Package rates require a minimum initial package lending balance of $150,000. 

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

What you’ll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

 

Trade-offs

  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term
  • Additional fees may apply

What you’ll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term
  • Additional fees may apply

What you'll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term
  • Additional fees may apply

What you'll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term
  • Additional fees may apply

What you'll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term
  • Additional fees may apply

What you'll get

  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan
  • Additional fees may apply

What you'll get

  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan
  • Additional fees may apply

What you'll get

  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan
  • Additional fees may apply

What you'll get

  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan
  • Additional fees may apply

What you'll get

  • Protected from interest rate rises during fixed term
  • Option to lock in our fixed rate with the rate lock feature at a fee of $750 – learn more about rate lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service Fee
  • $750 fee applies if you rate lock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan
  • Additional fees may apply

Start your home buying journey with us today

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    Get the most from your home loan application process and book time with a Home Lending Specialist at a time and place that suits you.

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    Start your home loan or refinance application online and if eligible receive a conditional approval in minutes.

    Apply online

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Tools & calculators

My property

CommBank My Property

CommBank My Property redefines how you view, track and manage your home loan online to help you achieve your property goals.

Message us in the CommBank app

Get instant answers from Ceba our virtual assistant, or connect with a specialist who can message you back. You’ll need notifications for the CommBank app turned on so you know when you’ve received a reply.

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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.  Interest Only period switches and extensions can be requested in both years and/or months via selected processes. The reference rate applicable for an Interest Only period applied in years and/or months will be the same as the Interest Only reference rate applicable to your loan type. Talk to your lender for more information. See rates for products no longer offered (PDF)

    2 Rate/s apply to new lending only and may include a margin below or above the applicable reference rate. The current reference rates can be found here.

    3 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.

    # 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.

    Information provided (including interest rates) are subject to change.

    Calculations are estimates provided as a guide only. They assume interest rates don’t change over the life of the loan and are calculated on the rate that applies for the initial period of the loan. Interest rates referenced are current rates and may change at any time.

    Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as establishment or monthly service fees or stamp duty). Lenders' Mortgage Insurance or a Low Deposit Premium may apply to your loan depending on the size of your deposit; security, applicant and loan attributes. This is a one-off cost and will be added to the loan amount. Any of these additional amounts will increase repayments under the loan.

    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. At the end of an interest only period, your repayments will increase to cover principal and interest components.

    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 Interest Only loans are based on an initial Interest Only period equal in length to the fixed 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.