Home & investment loans interest rates


Owner-occupied

Owner-occupied home loans

Variable rate loans1 Rate pa Comparison rate pa
Standard variable rate
  4.17% 4.21%
Base variable rate2

3.36% 3.40%
Introductory 2 year variable rate3
2 year
3.14% 4.02%
Offset variable
  4.22% 4.26%
Line of credit
  4.29% N.A.
Fixed rate loans4 Rate pa Comparison rate pa
1 year 2.99% 4.10%
2 year 2.85% 3.97%
3 year 2.85% 3.87%
4 year 3.05% 3.83%
5 year 3.05% 3.76%
Home Loan Packages
First Home Buyer home loan rate1 Rate p.a. Comparison rate p.a.
Variable rate loans
 3.32% 3.32%
Fixed rate loans2
1 year 2.89% 3.32%
2 year 2.75% 3.26%
3 year 2.75% 3.21%
4 year 2.95% 3.24%
5 year 2.95% 3.21%
Standard variable / Interest only / Line of credit5
  Interest rates (p.a) Comparison rate
Loans up to $249,999 (0.25% Discount) 3.92% 4.29%
Loans from $250,000 - $749,999 (0.40% Discount) 3.77% 3.99%
Loans of $750,000 or more (0.50% Discount) 3.67% 3.75%
Fixed rate / interest only fixed4
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 2.89% 4.19% 4.06% 3.97%
2-year 2.75% 4.08% 3.96% 3.88%
3-year 2.75% 3.99% 3.88% 3.81%
4-year 2.95% 3.97% 3.87% 3.81%
5-year 2.95% 3.90% 3.82% 3.76%

1 Rates effective 21 October 2019 for new and existing borrowers.
2 Rates effective 21 October 2019 for new borrowers. Minimum loan amount $120,000.
3 Rates effective 21 October 2019 for new borrowings and refinances (from other financial institutions) only. Minimum loan amount $120,000.
4 Rates effective 10 December 2019.
5 Rates effective 21 October 2019 for new borrowers; 28 October 2019 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.

    

Investment

Investment home loans

Variable rate loans1 Rate pa Comparison rate pa
Base variable investor rate
  3.49% 3.53% 
Standard variable rate
  4.89% 4.93%
Offset variable
  4.94% 4.98%
Line of credit
4.99% N.A.
Fixed rate loans2 Rate pa Comparison rate pa
1 year 3.39% 4.79%
2 year
3.39% 4.65%
3 year 3.39% 4.53%
4 year 3.59% 4.49%
5 year 3.59% 4.39%
Premium Home Packages
Standard variable / Interest only / Line of credit3
  Interest rates (p.a) Comparison rate
Loans up to $249,999 (0.25% Discount) 4.64% 4.99%
Loans from $250,000 - $749,999 (0.40% Discount) 4.49% 4.85%
Loans of $750,000 or more (0.50% Discount) 4.39% 4.75%
Fixed rate / interest only fixed2
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 3.29% 4.87% 4.73% 4.65%
2-year 3.29% 4.75% 4.63% 4.55%
3-year 3.29% 4.64% 4.53% 4.46%
4-year 3.49% 4.61% 4.51% 4.45%
5-year 3.49% 4.53% 4.44% 4.38%
 

1 Rates effective 21 October 2019 for new borrowers.
2 Rates effective 10 December 2019.
3 Rates effective 21 October 2019 for new borrowers; 28 October 2019 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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