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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Your Way Home Loan
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Your Way Plus Home Loan
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Your Way Plus Home Loan
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Essential Worker
Your Way Plus Home Loan
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| Details |
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| Who is this loan for? |
Stay in control with the flexibility that you need to do your home loan, your way.
Learn more
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Get flexibility for your home loan PLUS take advantage of our package benefits with discounted rates and much more.
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Get flexibility for your home loan PLUS our package benefits. If you’re an Essential worker^ you’ll get access to the discounted rate below. Higher rates apply for persons who are not Essential workers^.
Learn more
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If you’re an Essential worker^, you’ll get the whole package PLUS access to special low rates and benefits.
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| Rates and fees |
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| Interest rate |
Your Way Home Loan Basic Variable rate (Owner, P&I, LVR up to 80%)
6
.24
%
pa
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Your Way Plus Home Loan variable rate (Owner, P&I, LVR up to 60%)
6
.49
%
pa
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Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
6
.44
%
pa
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Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
6
.44
%
pa
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| Comparison rate |
Your Way Home Loan Basic comparison rate (Owner, P&I, LVR up to 80%)
6
.30
%
pa**
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Your Way Plus Home Loan comparison rate (Owner, P&I, LVR up to 60%)
6
.79
%
pa**
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Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
6
.74
%
pa**
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Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
6
.74
%
pa**
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| Interest Rate Effective Date |
Interest rates effective 11 April 2024
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Interest rates effective 11 April 2024
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Interest rates effective 11 April 2024
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Interest rates effective 11 April 2024
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| Interest Rate Type |
Variable and/or Fixed up to 5 years
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Variable and/or Fixed up to 5 years
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Variable and/or Fixed up to 5 years
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Variable and/or Fixed up to 5 years
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| Repayment Type |
Principal and interest or interest only (for construction purpose only)
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Principal and interest or interest only (for construction purpose only)
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Principal and interest or interest only (for construction purpose only)
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Principal and interest or interest only (for construction purpose only)
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| Maximum Amount |
-
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Up to 90% of the property value including Lenders Mortgage Insurance where the purpose is construction
Up to 90% of the property value including Lenders Mortgage Insurance where any part of the loan has a fixed rate component
Up to 95% of the property value including Lenders Mortgage Insurance where all of the loan is on a variable rate (i.e. with no fixed rate component)
Up to 95% of the property value for loans under the First Home Loan Deposit Scheme
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Up to 90% of the property value including Lenders Mortgage Insurance where the purpose is construction
Up to 90% of the property value including Lenders Mortgage Insurance where any part of the loan has a fixed rate component
Up to 95% of the property value including Lenders Mortgage Insurance where all of the loan is on a variable rate (i.e. with no fixed rate component)
Up to 95% of the property value for loans under the First Home Loan Deposit Scheme
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Borrow up to 90% for loans with Lenders Mortgage Insurance. Up to 95% for loans under the First Home Loan Deposit Scheme.
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| Establishment Fee |
$
600
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$
$0
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$
$0
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$
$0 (Usually $600)
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| Rewards Package Fee |
n/a
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n/a
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n/a
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n/a
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| Settlement Attendance Fee |
n/a
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n/a
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n/a
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n/a
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| Features |
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| Fixed and variable rate options |
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| Free redraw on the variable portion |
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| Make unlimited additional repayments on variable loans |
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| Discounted Variable rates for life of the loan |
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| Establishment fee waived (normally $600) |
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| Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans |
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| 100% Offset facility so you can pay your loan down faster |
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| PLUS extra 0.05% p.a. discount for essential workers^ (Variable rate only) |
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| PLUS annual fee for essential workers^ first home buyers waived |
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