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Compare owner occupier home loans

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

A low-rate home loan that keeps it simple. Available for new purchases and external refinances 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 .42 % pa
Interest rate
4 .66 % pa
Interest Rate - 2 Year Fixed
2 .88 % pa
Interest Rate - 1 Year Fixed
2 .98 % pa
Interest Rate - 3 Year Fixed
3 .28 % pa
Interest Rate - 4 Year Fixed
3 .79 % pa
Interest Rate - 5 Year Fixed
3 .79 % pa
Interest rate - variable
5 .41 % pa
Interest rate
4 .75 % pa
Comparison rate
Comparison rate
Comparison rate $150,000+ (Owner Occupier)
3 .46 % pa**
Comparison rate
4 .66 % pa**
Comparison Rate - 2 Year Fixed
4 .46 % pa**
Comparison Rate - 1 Year Fixed
4 .62 % pa**
Comparison Rate - 3 Year Fixed
4 .41 % pa**
Comparison Rate - 4 Year Fixed
4 .47 % pa**
Comparison Rate - 5 Year Fixed
4 .41 % pa**
Comparison rate - variable
5 .06 % pa**
Comparison rate
4 .79 % pa**
Interest Rate Effective Date
Interest Rate Effective Date Interest rates effective 1 August 2019 Interest rates effective 1 August 2019 Interest rates effective 1 August 2019 Interest rates effective 16 October 2019 and are for Owner Occupied Loans with Principal and Interest repayments. Interest rates effective 1 August 2019 Interest rates effective 1 August 2019
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 Borrow up to 85% of the property value prior to capitalisation of Lenders Mortgage Insurance Borrower up to 95% of the property value including Lenders Mortgage Insurance (80% without) Borrow up to 95% for the purpose of construction of an Owner Occupied dwelling including Lenders Mortgage Insurance (loan must revert to P&I upon completion of construction Maximum amount to Borrower up to 95% of the property value including Lenders Mortgage Insurance (80% without) Borrow up to 95% for the purpose of construction of an Owner Occupied dwelling including Lenders Mortgage Insurance (loan must revert to P&I upon completion of construction) Borrow up to 95% of the property value including Lenders Mortgage Insurance (80% without)
Establishment Fee
Establishment Fee $ 600 $ 600 $0 $ 600 $ 600 $ 600
Rewards Package Fee
Rewards Package Fee n/a $ 300
(annual)
n/a n/a n/a n/a
Settlement Attendance Fee
Settlement Attendance Fee n/a n/a n/a n/a n/a n/a
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.