Our Home Loan Rates
No Fee Variable Rate (owner occupied)
Comparison rate 4.55%PA
Things to know before you can:
~ Provided the details initially agreed do not change, conditional pre-approval guarantees the amount you can borrow but not the interest rate. If you do not find a property and accept our formal loan offer within 90 days of the conditional pre-approval date, we will need to obtain from you updated financials and confirm that the loan still meets your needs and financial objectives.
@ Top up not available on loans at a fixed or guaranteed rate. Minimum top up $10,000.
^ Applies to the amount in excess of required monthly repayments.
* An early repayment adjustment may apply if you switch from a fixed rate loan. Refer to Switching Terms and Conditions for more information including details of available switching options.
# Wealth Package/Mortgage Advantage requires $150,000 in total home lending and an annual fee of $395 applies.
**Excludes other subsidiaries and brands and applications for Home Seeker conditionally pre-approved home loans. We reserve the right to terminate this offer at any time. Offer involves discounting our standard 1-5 year fixed rates where necessary. Interest rate discount applies to relevant reference interest rate until loan is switched to another loan type or the initial fixed rate period expires. The interest rate (but not the discount) included in the letter of offer may change. The guarantee applies at the time of application only and excludes any subsequent rate changes. If your loan is a 1–5 year fixed rate loan, Rate Lock allows you to lock in the interest rate for a period of 90 days effective from the date we process your request. A Rate Lock fee applies. Eligibility criteria and other conditions may apply to some loans. Guarantee does not apply if a competitor’s advertisement contains an error and the Bank reserves the right to verify the availability of any advertised rate.
^^ Please note that due to Victoria's state laws, sales data is only available on 40% of properties.
Comparison rates are calculated on the basis of secured credit of $150,000 over a 25 year term. 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.
Important Information: Flexible home loan features not available on all loans. Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.
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