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.

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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
1-year Special interest rate (Owner Occupier)
2 .55 % pa
Classic Home Loan interest rate (Owner Occupier)
3 .04 % pa
Interest rate
4 .16 % pa
Featured Interest Rate - 3 Year Fixed
2 .19 % pa
Interest Rate - 1 Year Fixed
2 .19 % pa
Interest Rate - 2 Year Fixed
2 .19 % pa
Interest Rate - 4 Year Fixed
2 .79 % pa
Interest Rate - 5 Year Fixed
2 .79 % pa
Interest rate - variable
4 .52 % pa
Interest rate
4 .37 % pa
Comparison rate
Comparison rate
1-year Special Comparison rate (Owner Occupier)
3 .04 % pa**
Classic Home Loan Comparison rate (Owner Occupier)
3 .08 % pa**
Comparison rate
4 .16 % pa**
Featured Comparison Rate - 3 Year Fixed
3 .85 % pa**
Comparison Rate - 1 Year Fixed
4 .21 % pa**
Comparison Rate - 2 Year Fixed
4 .02 % pa**
Comparison Rate - 4 Year Fixed
3 .88 % pa**
Comparison Rate - 5 Year Fixed
3 .77 % pa**
Comparison rate - variable
4 .47 % pa**
Comparison rate
4 .41 % pa**
Interest Rate Effective Date
Interest Rate Effective Date Interest rates effective 1 April 2020 Interest rates effective 1 April 2020 Interest rates effective 1 April 2020 Interest rates effective 7 May 2020 and are for Owner Occupied Loans with Principal and Interest repayments. Interest rates effective 1 April 2020 Interest rates effective 1 April 2020
Interest Rate Type
Interest Rate Type

Variable (after first 12 months)

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 80% of the property value 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.