Basic Home Loan
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Our simplest home loan
Our lowest variable rate allowing you to save on interest.
Save on interest
Make extra repayments and redraw without a fee^.
Save on fees
No ongoing or monthly fees.
Our lowest variable rate allowing you to save on interest.
Make extra repayments and redraw without a fee^.
No ongoing or monthly fees.
| Interest rate (p.a.)* | Comparison Rate (p.a.)1 |
|---|---|---|
LVR up to 60% | 5.24% | 5.27% |
LVR above 60% - 70% | 5.29% | 5.32% |
LVR above 70% - 80% | 5.34% | 5.37% |
LVR above 80% - 90% | 5.84% | 5.87% |
LVR above 90% | 6.29% | 6.32% |
|
|
|---|---|
Establishment fee | $0 |
Settlement fee | $400 |
Redraw fee | $0 |
|
|
|---|---|
Annual fee | $0 |
Monthly fee | $0 |
See what your repayments could be and how to pay off your loan faster.
Work out how much you can expect to borrow based on your current salary and financial commitments.
Compare two loans side by side and see which one could save you more.
Determine the associated costs of buying a property, such as stamp duty and Government fees, specific to your state or territory.
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.
Save time and apply online for a home loan or to refinance.
Not ready to apply but simply wish to make an enquiry?
Our Mobile Bankers can come to you at home, work, or virtually.
There are ways to stay and save with us. Request a change to your home loan account.
A Home Loan Key Facts Sheet is an easy way to help you understand and compare home loans.
Generate a Home Loan Key Facts Sheet
A Key Facts Sheet provides you with loan information in a standardised format which allows you to compare different home loans.
Interest Rates effective 16 December 2025.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
* Interest rates apply to new lending only.
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.
^ Minimum redraw is $500.