Home & investment loans interest rates


Owner-occupied

Owner-occupied home loans

Variable rate loans1 Rate pa Comparison rate pa
Standard variable rate
  3.92% 3.96%
Base variable rate2

3.11% 3.15%
Introductory 2 year variable rate3
2 year
2.89% 3.74%
Offset variable
  3.97% 4.01%
Line of credit
  3.92% N.A.
    
Fixed rate loans4 Rate pa Comparison rate pa
1 year - standard rate 2.60% 3.80%
1 year - special rate 2.19% 3.76%
2 year - standard rate 2.60% 3.72%
2 year - special rate 2.19% 3.62%
3 year - standard rate 2.60% 3.62%
4 year - standard rate 2.80% 3.59%
5 year - standard rate 2.80% 3.51%
Home Loan Packages
First Home Buyer home loan rate1 Rate p.a. Comparison rate p.a.
Variable rate loans
 3.07% 3.07%
First Home Buyer fixed rate loans2
1 year 2.50% 3.02%
2 year 2.50% 2.97%
3 year 2.50% 2.93%
4 year 2.70% 2.95%
5 year 2.70% 2.92%
Premium Home Package Owner Occupied Variable / Interest only / Line of credit5
  Interest rates (p.a) Comparison rate
Loans up to $249,999 (0.25% Discount) 3.67% 4.04%
Loans from $250,000 - $749,999 (0.40% Discount) 3.52% 3.90%
Loans of $750,000 or more (0.50% Discount) 3.42% 3.80%
Premium Home Package fixed rate / interest only4
Fixed Period Interest rates (p.a) Comparison rate (p.a.) $250,000 or less Comparison rate (p.a.) $250,000 to $750,000 Comparison rate (p.a.) Over $750,000
1-year 2.50% 3.94% 3.81% 3.73%
2-year 2.50% 3.84% 3.72% 3.72%
3-year 2.50% 3.75% 3.64% 3.57%
4-year 2.70% 3.73% 3.63% 3.57%
5-year 2.70% 3.66% 3.57% 3.52%

1 Rates effective 5 March 2020 for new; 16 March 2020 for existing borrowers.
2 Rates effective 25 March 2020 for new borrowers. Minimum loan amount $120,000.
3 Rates effective 5 March 2020 for new borrowings and refinances (from other financial institutions) only. Minimum loan amount $120,000.
4 Rates effective 25 March 2020 for new borrowers.
5 Rates effective 5 March 2020 for new borrowers; 16 March 2020 for existing borrowers.

Fixed Rate loan rates are current as at 25 March 2020 and subject to change or withdrawal at any time. Fixed Rate Special Home Loan rates: These rates are not available with any other offer and no further discounts apply. Rates apply for owner occupied home loans with principal and interest repayments. Fees and charges apply. All loans are subject to our standard credit assessment criteria. Information on our terms & conditions, interest rates and fees & charges are available on request. Comparison rate 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. Comparison rate for our home loans is based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rate has been calculated on a loan amount of $150,000 over a term of 25 years.

    

Investment

Investment home loans

 
Variable rate loans1 Rate pa Comparison rate pa
Base variable investor rate
Principal & Interest 3.24% 3.28% 
Interest only 3.44% 3.97%
Standard variable rate
  4.64% 4.68%
Offset variable
  4.69% 4.73%
Line of credit
4.64% N.A.
Fixed rate loans2 Rate pa Comparison rate pa
1 year 3.14% 4.54%
2 year
3.14% 4.41%
3 year 3.14% 4.28%
4 year 3.34% 4.24%
5 year 3.34% 4.15%
Premium Home Packages
Premium Home Package Investor Variable / Interest only / Line of credit3
  Interest rates (p.a) Comparison rate
Loans up to $249,999 (0.25% Discount) 4.39% 4.75%
Loans from $250,000 - $749,999 (0.40% Discount) 4.24% 4.60%
Loans of $750,000 or more (0.50% Discount) 4.14% 4.50%
Premium Home Package Fixed rate / interest only2
Fixed Period Interest rates (p.a) Comparison rate (p.a.) $250,000 or less Comparison rate (p.a.) $250,000 to $750,000 Comparison rate (p.a.) Over $750,000
1-year 3.04% 4.62% 4.49% 4.40%
2-year 3.04% 4.50% 4.39% 4.40%
3-year 3.04% 4.40% 4.29% 4.22%
4-year 3.24% 4.36% 4.27% 4.20%
5-year 3.24% 4.28% 4.20% 4.14%
 

1 Rates effective 5 March 2020 for new borrowers.
2 Rates effective 25 March 2020.
3 Rates effective 5 March 2020 for new borrowers; 16 March 2020 for existing borrowers.

Comparison Rates: WARNING: These comparison rates are 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. Comparison rates have been calculated on an amount of $150,000 over a term of 25 years and are based on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. Fees and charges apply. Information on terms & conditions, fees & charges and interest rates are available upon application or request.

BSB: 704 230

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