Home Loans
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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 Insurance4.
The Scheme makes home ownership more achievable for first home buyers by helping you buy sooner with a small deposit, supported by a Government guarantee.
Home loan calculators
Loan repayments calculator
See what your repayments could be and how to pay off your loan faster.
Borrowing power calculator
Work out how much you can expect to borrow based on your current salary and financial commitments.
Loan comparison calculator
Compare two loans side by side and see which one could save you more.
Stamp duty calculator
Determine the associated costs of buying a property, such as stamp duty and Government fees, specific to your state or territory.
Budget planner calculator
Track your income and spending to stay on top of your money.
Home Loan Interest Rates effective 16 December 2025.
*Interest rates apply to new lending only.
Credit criteria applies.
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.
Offset accounts cannot be linked to fixed rate loans.
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.
Minimum redraw is $500.
