BSB 704-191
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Home Loans

Whether it's your first purchase, a life-changing move or a long-term investment, we have a range of home loans to suit your needs.

Apply now
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Our Mobile Bankers are here to help you at home or work, over the phone or at our branches.

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Compare our range of home loans

 
75.0%
Save another %val% and your variable rates could improve with a lower LVR.
50-60%
60-70%
70-80%
80-90%
> 90%
Save another %val% and your variable rates could improve with a lower LVR.
Our lowest variable rate
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Basic Home Loan

5.49%p.a
Owner Occupied P&I. LVR up to 60%*
5.52%p.a
Comparison Rate1
5.54%p.a
Owner Occupied P&I. LVR above 60% - 70%*
5.57%p.a
Comparison Rate1
5.59%p.a
Owner Occupied P&I. LVR above 70% - 80%*
5.62%p.a
Comparison Rate1
6.09%p.a
Owner Occupied P&I. LVR above 80% - 90%*
6.12%p.a
Comparison Rate1
6.54%p.a
Owner Occupied P&I. LVR above 90%*
6.57%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
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Complete Home Loan

5.59%p.a
Owner Occupied P&I. LVR up to 60%*
5.62%p.a
Comparison Rate1
5.64%p.a
Owner Occupied P&I. LVR above 60% - 70%*
5.67%p.a
Comparison Rate1
5.69%p.a
Owner Occupied P&I. LVR above 70% - 80%*
5.72%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%*
6.22%p.a
Comparison Rate1
6.64%p.a
Owner Occupied P&I. LVR above 90%*
6.67%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with multiple offsets
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Premier Package Home Loan

5.59%p.a
Owner Occupied P&I. LVR up to 60%*
5.97%p.a
Comparison Rate1
5.64%p.a
Owner Occupied P&I. LVR above 60% - 70%*
6.02%p.a
Comparison Rate1
5.69%p.a
Owner Occupied P&I. LVR above 70% - 80%*
6.07%p.a
Comparison Rate1
6.53%p.a
Owner Occupied P&I. LVR above 80% - 90%*
6.90%p.a
Comparison Rate1
7.03%p.a
Owner Occupied P&I. LVR above 90%*
7.39%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • Enjoy discounts on other products
Learn moreApply now
Certainty of a fixed rate
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Premier Package Home Loan

5.74%p.a
Owner Occupied P&I. LVR up to 80%. 1 year fixed*
6.08%p.a
Comparison Rate1
5.49%p.a
Owner Occupied P&I. LVR up to 80%. 2 years fixed*
6.03%p.a
Comparison Rate1
5.59%p.a
Owner Occupied P&I. LVR up to 80%. 3 years fixed*
6.04%p.a
Comparison Rate1
5.99%p.a
Owner Occupied P&I. LVR up to 80%. 4 years fixed*
6.18%p.a
Comparison Rate1
5.99%p.a
Owner Occupied P&I. LVR up to 80%. 5 years fixed*
6.20%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%. 1 year fixed*
6.86%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%. 2 years fixed*
6.83%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 80% - 90%. 3 years fixed*
6.83%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 80% - 90%. 4 years fixed*
6.94%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 80% - 90%. 5 years fixed*
6.95%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 90%. 1 year fixed*
7.30%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 90%. 2 years fixed*
7.22%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 90%. 3 years fixed*
7.18%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 90%. 4 years fixed*
7.25%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 90%. 5 years fixed*
7.22%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreApply now
Our lowest variable rate
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Basic Home Loan

5.69%p.a
Investment P&I. LVR up to 60%*
5.72%p.a
Comparison Rate1
5.74%p.a
Investment P&I. LVR above 60% - 70%*
5.77%p.a
Comparison Rate1
5.79%p.a
Investment P&I. LVR above 70% - 80%*
5.82%p.a
Comparison Rate1
6.39%p.a
Investment P&I. LVR above 80% - 90%*
6.42%p.a
Comparison Rate1
7.04%p.a
Investment P&I. LVR above 90%*
7.07%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
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Complete Home Loan

5.79%p.a
Investment P&I. LVR up to 60%*
5.82%p.a
Comparison Rate1
5.84%p.a
Investment P&I. LVR above 60% - 70%*
5.87%p.a
Comparison Rate1
5.89%p.a
Investment P&I. LVR above 70% - 80%*
5.92%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 80% - 90%*
6.52%p.a
Comparison Rate1
7.14%p.a
Investment P&I. LVR above 90%*
7.17%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with multiple offsets
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Premier Package Home Loan

5.79%p.a
Investment P&I. LVR up to 60%*
6.17%p.a
Comparison Rate1
5.84%p.a
Investment P&I. LVR above 60% - 70%*
6.22%p.a
Comparison Rate1
5.89%p.a
Investment P&I. LVR above 70% - 80%*
6.27%p.a
Comparison Rate1
6.93%p.a
Investment P&I. LVR above 80% - 90%*
7.29%p.a
Comparison Rate1
7.53%p.a
Investment P&I. LVR above 90%*
7.88%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • $390 annual fee applies
Learn moreApply now
Certainty of a fixed rate
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Premier Package Home Loan

5.94%p.a
Investment P&I. LVR up to 80%. 1 year fixed*
6.27%p.a
Comparison Rate1
5.84%p.a
Investment P&I. LVR up to 80%. 2 years fixed*
6.26%p.a
Comparison Rate1
5.84%p.a
Investment P&I. LVR up to 80%. 3 years fixed*
6.25%p.a
Comparison Rate1
6.29%p.a
Investment P&I. LVR up to 80%. 4 years fixed*
6.41%p.a
Comparison Rate1
6.29%p.a
Investment P&I. LVR up to 80%. 5 years fixed*
6.44%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 80% - 90%. 1 year fixed*
7.25%p.a
Comparison Rate1
6.54%p.a
Investment P&I. LVR above 80% - 90%. 2 years fixed*
7.21%p.a
Comparison Rate1
6.64%p.a
Investment P&I. LVR above 80% - 90%. 3 years fixed*
7.21%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 80% - 90%. 4 years fixed*
7.34%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 80% - 90%. 5 years fixed*
7.35%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 90%. 1 year fixed*
7.77%p.a
Comparison Rate1
6.54%p.a
Investment P&I. LVR above 90%. 2 years fixed*
7.68%p.a
Comparison Rate1
6.64%p.a
Investment P&I. LVR above 90%. 3 years fixed*
7.62%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 90%. 4 years fixed*
7.70%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 90%. 5 years fixed*
7.67%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreApply now
Our lowest variable rate
male-indoors-home-kitchen

Basic Home Loan

5.94%p.a
Investment interest only. LVR up to 60%*
5.83%p.a
Comparison Rate1
5.99%p.a
Investment interest only. LVR above 60% - 70%*
5.88%p.a
Comparison Rate1
6.04%p.a
Investment interest only. LVR above 70% - 80%*
5.93%p.a
Comparison Rate1
6.64%p.a
Investment interest only. LVR above 80% - 90%*
6.54%p.a
Comparison Rate1
7.29%p.a
Investment interest only. LVR above 90%*
7.19%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
portrait-of-woman-hero

Complete Home Loan

6.04%p.a
Investment interest only. LVR up to 60%*
5.93%p.a
Comparison Rate1
6.09%p.a
Investment interest only. LVR above 60% - 70%*
5.98%p.a
Comparison Rate1
6.14%p.a
Investment interest only. LVR above 70% - 80%*
6.03%p.a
Comparison Rate1
6.74%p.a
Investment interest only. LVR above 80% - 90%*
6.64%p.a
Comparison Rate1
7.39%p.a
Investment interest only. LVR above 90%*
7.29%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with multiple offsets
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Premier Package Home Loan

6.04%p.a
Investment interest only. LVR up to 60%*
6.28%p.a
Comparison Rate1
6.09%p.a
Investment interest only. LVR above 60% - 70%*
6.30%p.a
Comparison Rate1
6.14%p.a
Investment interest only. LVR above 70% - 80%*
6.38%p.a
Comparison Rate1
7.18%p.a
Investment interest only. LVR above 80% - 90%*
7.40%p.a
Comparison Rate1
7.78%p.a
Investment interest only. LVR above 90%*
8.00%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • $390 annual fee applies
Learn moreApply now
Certainty of a fixed rate
Portrait-young-man-at-home-hero

Premier Package Home Loan

6.09%p.a
Investment interest only. LVR up to 80%. 1 year fixed*
6.29%p.a
Comparison Rate1
5.99%p.a
Investment interest only. LVR up to 80%. 2 years fixed*
6.29%p.a
Comparison Rate1
5.99%p.a
Investment interest only. LVR up to 80%. 3 years fixed*
6.30%p.a
Comparison Rate1
6.44%p.a
Investment interest only. LVR up to 80%. 4 years fixed*
6.47%p.a
Comparison Rate1
6.44%p.a
Investment interest only. LVR up to 80%. 5 years fixed*
6.51%p.a
Comparison Rate1
6.64%p.a
Investment interest only. LVR above 80%. 1 year fixed*
7.26%p.a
Comparison Rate1
6.69%p.a
Investment interest only. LVR above 80%. 2 years fixed*
7.24%p.a
Comparison Rate1
6.79%p.a
Investment interest only. LVR above 80%. 3 years fixed*
7.25%p.a
Comparison Rate1
7.20%p.a
Investment interest only. LVR above 80%. 4 years fixed*
7.39%p.a
Comparison Rate1
7.20%p.a
Investment interest only. LVR above 80%. 5 years fixed*
7.41%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreApply now

We're here to help you

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Supporting Teachers and Healthcare workers

We've reduced the home loan deposit required for Teachers and Healthcare workers. This means you can now have a deposit of 10% and can borrow up to 90% of the property value without having to pay Lenders Mortgage Insurance3.

Speak to us
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Loan Repayments Calculator
Work out what your minimum home loan repayments may be and see how you can pay off your loan faster.
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It's easy to get started

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Call 1300 654 822. Monday - Friday between 9am and 6pm AEST.

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Home loan resources

Home loans don't have to be complicated. We're here to answer your questions and break down the bank jargon, so that you can feel financially empowered.

Learn more
Important Information

Home Loan Interest Rates effective 1 June 2025.

*Interest rates apply to new lending only.

Credit criteria applies. 

  1. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Comparison rates for variable Interest Only loans are based on an initial 5-year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. Fees and charges apply. Terms and conditions available upon request.

  2. Offset accounts cannot be linked to fixed rate loans.

  3. Available for First Home Buyer Owner Occupied loans only. Applicants need to be employed within the Education and/or Healthcare sectors and ineligible for any Government Schemes. Excludes loans being refinanced, off-the-plan and Construction Loans. Postcode lending restrictions may apply. Credit criteria applies.

  4. Minimum redraw is $500.