Your Way Home Loan
Stay in control with the flexibility you need to do your home loan, your way.
Your Way Home Loan
Stay in control with the flexibility you need to do your home loan, your way.
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6.14%pa
Your Way Home Loan Basic Variable rate* (Owner, P&I, LVR up to 80%)
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6.20%pa**
Your Way Home Loan Basic comparison rate (Owner, P&I, LVR up to 80%)
Is this a home you'll love?
Want to know your dream home will suit you as you grow and change? This loan has the flexibility you need. Stay in control with the ability to adapt your loan as your needs change. Get the flexibility and confidence to thrive in the future, whatever comes your way.
What you'll get
Rates
Get the best of both worlds with fixed and variable rate options.
Fee-Free Redraws
Get the security of unlimited fee-free redraw.
Unlimited additional repayments
Make unlimited additional repayments on variable loans.
Flexibility
The ability to top-up when it suits you and switch your loan should your situation change.
Get in touch today.
Take the next step in your home loan journey.
Talk to a Lending Specialist
We can visit you at home, call you on the phone, or speak to you on a video call.
Apply Online
Complete an online application to fast track your home loan financing.
Your Way Home Loan interest rates
Principal and Interest repayments
Get the best of both worlds with fixed and variable rate options.
|
Interest rates |
Comparison rate |
Basic Variable LVR up to 80%* |
6.14%pa |
6.20%pa** |
Basic Variable LVR > 80%* |
6.89%pa |
6.96%pa** |
1 year fixed |
6.54%pa |
6.24%pa**
|
2 year fixed |
6.49%pa |
6.27%pa**
|
3 year fixed |
6.39%pa |
6.27%pa**
|
4 year fixed |
6.59%pa |
6.37%pa**
|
5 year fixed |
6.69%pa |
6.45%pa**
|
Standard Variable |
8.54%pa |
8.61%pa**
|
Variable Rollover∞ |
6.14%pa |
6.20%pa**
|
Interest rates effective 1 March 2024.
Interest Only repayments
Available when you only want to pay the interest portion of your home loan. Construction is only available with a variable rate.
|
Interest rates |
Comparison rate |
Basic Variable LVR up to 80%* |
6.54%pa |
6.37%pa**
|
Basic Variable > 80%* |
7.29%pa |
7.13%pa**
|
1 year fixed |
6.94%pa |
6.28%pa**
|
2 year fixed |
6.89%pa |
6.35%pa**
|
3 year fixed |
6.79%pa |
6.38%pa**
|
4 year fixed |
6.99%pa |
6.51%pa**
|
5 year fixed |
7.09%pa |
6.61%pa**
|
Standard Variable |
8.94%pa |
8.79%pa**
|
Variable Rollover∞ |
6.54%pa |
6.37%pa**
|
Interest rates effective 1 March 2024.
Information
|
|
Purpose
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Owner occupied and construction
|
Minimum Amount
|
Minimum loan amount for Standard Variable $25,000 |
Maximum Amount
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Up to 90% of the property value prior to the capitalisation of 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 98% of the property value for loans under the Home Guarantee Scheme (depending on scheme type)
|
Repayment type
|
Principal and interest and Interest only
|
Interest rate type
|
Variable and/or fixed up to 5 years
|
Interest calculated
|
Daily, charged monthly
|
Construction loan
|
Yes – variable rate only
|
Establishment fee
|
$600
|
Annual fee
|
$0
|
Additional repayments
|
Yes – variable rate only
|
Offset facility
|
No
|
Redraw
|
Yes – fee free. Variable rate only
|
Split loan
|
Yes
|
Top up
|
Yes
|
For full details of our fees, please review the Fees and Charges brochure.
Download the Fees and Charges brochure [PDF]
Looking for a home loan with even more features?
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Your Way Plus Home Loan
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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Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
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Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
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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
Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
Giving back to essential workers
We know essential workers are vital to our future, that's why we're looking out for theirs. Take advantage of discounts and benefits, including fees waived, and lower rates for the term of your loan.
More information to help you on your journey
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Buying a property
We’re here to guide you on your mission to home ownership. Find out the steps involved in the buying process.
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Buying your first home?
The First Home Guarantee not only gives you the chance to get into the market sooner with a very low minimum deposit, but with no Lenders Mortgage Insurance, you could save thousands!
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Which home loan is right for me?
A simple guide to the types of loans available including their strengths and weaknesses and extra features to consider.
**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.