Compare home loans (owner-occupied)


 
Standard variable rate
Base variable rate
Introductory 2 year variable rate
Fixed rate
Line of credit
Offset variable
Interest Only
Description Basic standard variable home loan with a low variable rate. Save more with our simple low-cost home loan, offering a low variable rate and no account-keeping fees. Get into your dream home sooner with our competitive low variable rate. Lock in an interest rate over a specific period (1 - 5 years). All-in-one loan solution that allows you to access the equity in your home. Variable loan that allows you to use your savings to reduce the interest charged. Pay only the interest on your loan. Available on fixed or standard variable rate.
Key facts sheet Request Request Request Request Request Request Request
Interest rate (pa) 4.59% 3.99% 3.79%1 1y 3.97%
2y 3.97%
3y 3.97%
4y 4.54%
5y 4.54%
4.59% 4.64% As per standard variable & fixed rate
Comparison rate (pa) 4.63% 4.03% 4.48%1 1y 4.57%
2y 4.52%
3y 4.47%
4y 4.61%
5y 4.61%
N.A 4.68% As per standard variable & fixed rate
Free redraw Yes Yes Yes N.A N.A Yes N.A
Minimum redraw amount $50 $50 $50 N.A N.A $50 N.A
Additional loan repayments2 Yes Yes Yes Yes – up to $10,000pa of additional payments Yes Yes Yes
Early repayment penalty No No No Yes No No Yes on interest-only fixed rate loan option
Fixed rate break cost No No No Yes No No Yes on interest-only fixed rate loan option
Flexible repayment options Weekly, fortnightly or monthly Weekly, fortnightly or monthly Weekly, fortnightly or monthly Weekly, fortnightly or monthly Monthly Weekly, fortnightly or monthly Monthly
100% offset facility No No No No N.A Yes No
Establishment fee $600 $600 $600 $600 $600 $600 $600
Minimum loan amount $20,000 $120,000 $120,000 $50,000 $50,000 $20,000 - $50,000 Fixed rate
- $20,000 Variable rate
Maximum loan term 30 years 30 years 30 years 30 years 30 years 30 years 30 years
Interest calculated daily & debited monthly in arrears Yes Yes Yes Yes Yes Yes Yes
No-obligation quotes, pay-by-the-month insurance (with option of up to 90 days free building insurance cover during settlement period) Yes Yes Yes Yes Yes Yes Yes
Optional loan protection insurance Yes Yes Yes Yes No Yes Yes
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BSB: 704 230

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