Compare our home loan products

Compare our home loans with each other to see which product suits your needs.

Compare owner occupier home loans

See how our loans compare to each other.

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Details
Who is this loan for?
Who is this loan for?

A low-rate home loan that keeps it simple. Suitable for owner occupiers for loan amounts over $150,000.

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Suitable for loan amounts over $150,000 and offers a discounted rate.

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Designed specially to help first home buyers achieve their dream of home ownership.

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Lock in a rate for up to 5 years. Plus enjoy knowing exactly how much you will be paying each month.

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A perfect choice for a new home with the choice of either fixed or variable interest.

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Used for owner occupied purchases, vacant land, renovations, or any worthwhile purpose.

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Applicants must be eligible for the Rewards Package
Applicants must be eligible for the Rewards Package
Rates and fees
Interest rate
Interest rate
Interest rate $150,000+ (Owner Occupier)
3 .65 % pa
Interest rate
4 .91 % pa
Interest Rate - 2 Year Fixed
3 .78 % pa
Interest Rate - 1 Year Fixed
3 .87 % pa
Interest Rate - 3 Year Fixed
3 .88 % pa
Interest Rate - 4 Year Fixed
4 .36 % pa
Interest Rate - 5 Year Fixed
4 .49 % pa
Interest rate - variable
5 .66 % pa
Interest rate
5 .36 % pa
Comparison rate
Comparison rate
Comparison rate $150,000+ (Owner Occupier)
3 .70 % pa**
Comparison rate
4 .91 % pa**
Comparison Rate - 2 Year Fixed
5 .12 % pa**
Comparison Rate - 1 Year Fixed
5 .27 % pa**
Comparison Rate - 3 Year Fixed
5 .01 % pa**
Comparison Rate - 4 Year Fixed
5 .06 % pa**
Comparison Rate - 5 Year Fixed
5 .05 % pa**
Comparison rate - variable
5 .71 % pa**
Comparison rate
5 .41 % pa**
Interest Rate Effective Date
Interest Rate Effective Date Interest rates effective 27 November 2017 Interest rates effective 27 November 2017 Interest rates effective 13 June 2017 Interest rates effective 16 July 2018 and are for Owner Occupied Loans with Principal and Interest repayments. Interest rates effective 1 August 2017 Interest rates effective 13 June 2017
Interest Rate Type
Interest Rate Type

Variable

Variable

Variable

Fixed up to 5 years

Variable

Variable

Repayment Type
Repayment Type

Principal and interest

Principal and interest and interest only

Principal and interest and interest only

Principal and interest

Interest only

Principal and interest

Maximum Amount
Maximum Amount Up to 85% excluding Lenders Mortgage Insurance and/or Mortgage Repayment Insurance Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without).

Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information
Up to 98% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without).

Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.
Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without). Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without).

Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.
Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without)
Establishment Fee
Establishment Fee $ 600 $ 600 $0 $ 600 $ 600 $ 600
Rewards Package Fee
Rewards Package Fee n/a $ 200
(annual)
n/a n/a n/a n/a
Settlement Attendance Fee
Settlement Attendance Fee $ 150 $ 150 n/a $ 150 $ 150 $ 150
Features
No monthly fees
No monthly fees
A fee free redraw facility to access additional repayments you’ve made
A fee free redraw facility to access additional repayments you’ve made
100% Offset facility giving you the opportunity to pay off your home loan sooner
100% Offset facility giving you the opportunity to pay off your home loan sooner
Ability to split loan
Ability to split loan
Suitable for construction on interest only. Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.
Suitable for construction on interest only. Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.

To become a member, you'll need:

  • tmb-logo To be an Australian citizen or permanent resident
    18 years old or over
  • +
  • tmb-logo Identification
  • +
  • tmb-logo Account details to purchase your share in the bank

**Comparison rate warning

Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only.

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.