Home Loans

Whether you’re buying your first home, investing or renovating, we have a wide range of home loans to suit your needs.

Home loans

Interest rates for Owner occupier Home loans

Owner Occupied home loan interest rates

The interest rates shown are for new business only and for Principal and Interest repayments, except for the Interest Only Variable Home loan. Existing borrowers can find out their current interest rate by checking their statement, accessing their loan account in internet banking or by contacting us.

Please contact us in relation to interest rates for Interest Only repayments.

Fixed home loan—owner occupier

Lock in an interest rate and your repayments with a Fixed Rate Home Loan for owner occupiers—available for up to 5 years.

Fixed Rate Home Loan Interest rates Comparison rate
1 year fixed 2.05%pa 4.19%pa**
2 year fixed 2.05%pa 4.00%pa**
3 year fixed 2.04%pa 3.81%pa**
4 year fixed 2.14%pa 3.67%pa**
5 year fixed 2.59%pa 3.69%pa**

Learn more about our Fixed Rate Home Loan

Interest rates effective 24 March 2021.

Variable home loans—owner occupier

Variable home loans that allow you to make additional repayments whenever you have spare cash.

Interest rates Comparison rate
My First Home Loan 4.16%pa 4.16%pa**
Classic Home Loan Special 2.55%pa 3.04%pa**
Classic Home Loan (standard variable) 3.04%pa 3.08%pa**
Interest Only Variable Home Loan 4.52%pa 4.47%pa**
Flexi Choice Home Loan 4.37%pa 4.41%pa**

Interest rates effective 1 April 2020.

Solutions Plus Home Loan

View Solutions Plus home loan rates

Interest rates effective 1 April 2020.

Interest Only Home Loans - Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.

ALL RATES QUOTED ARE FOR NEW BUSINESS ONLY. Applications are subject to lending criteria.
Rates quoted and all rates subject to change.
Solutions Plus Home Loan – LVR based tiers are only available for applications submitted from 16 December 2016 and for new owner occupier borrowings where a new to the Bank security property is applicable. Loan to Value Ratio (LVR) is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.

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How to apply

Convenient ways to apply for a home loan

Need help choosing your home loan? Explore our home loan options and have this information ready before starting the application process.

Apply online

Speak to a Mobile Lender

Call us

Visit a branch

**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.

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