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Complete Home Loan

Whether you’re building, investing or just taking your next property step, the Complete Home Loan gives you a lower interest rate, flexible repayments and no redraw fees.

A variable loan with offset

Competitive variable rate with no ongoing or monthly fees.

6.14%p.a
Variable interest rate*
6.17%p.a
Comparison Rate1
  • Owner occupied P&I
  • LVR up to 60%
Enquire nowApply now

100% variable offset²100% variable offset²

Helps you reduce interest and pay off your home loan sooner.

Competitive interest ratesCompetitive interest rates

A home loan with a competitive variable rate.

Save on feesSave on fees

No ongoing or monthly fees.

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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.

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It's easy to get started

Ready to apply?Ready to apply?

Save time and apply online for a home loan or to refinance.

Apply now

Book an appointmentBook an appointment

Our Mobile Bankers can come to you at home, work, or virtually.

Book appointment

Call usCall us

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

Call 1300 654 822

Request a callbackRequest a callback

Not ready to apply but simply wish to make an enquiry?

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Rates and Fees

  • Principal and Interest

     

    Interest rate (p.a.)*

    Comparison Rate (p.a.)1

    LVR up to 60%

    6.14%

    6.17%

    LVR above 60% - 80%

    6.29%

    6.32%

    LVR above 80% - 90%

    6.59%

    6.62%

    LVR above 90%

    7.09%

    7.12%

     

    Interest only - Construction loans

     

    Interest rate (p.a.)*

    Comparison Rate (p.a.)1

    LVR up to 80%

    6.54%

    6.35%

    LVR above 80% - 90%

    6.84%

    6.65%

    LVR above 90%

    7.34%

    7.15%

     

  • Principal and Interest

    LVR up to 80%

     

    Interest rate (p.a.)

    Comparison Rate (p.a.)1

    1 Year

    6.19%

    6.31%

    2 Years

    6.19%

    6.30%

    3 Years

    6.19%

    6.30%

    4 Years

    6.55%

    6.42%

    5 Years

    6.55%

    6.44%

    LVR above 80% - 90%

     

    Interest rate (p.a.)

    Comparison Rate (p.a.)1

    1 Year

    6.29%

    6.59%

    2 Years

    6.29%

    6.56%

    3 Years

    6.39%

    6.57%

    4 Years

    6.75%

    6.68%

    5 Years

    6.75%

    6.70%

    LVR above 90%

     

    Interest rate (p.a.)

    Comparison Rate (p.a.)1

    1 Year

    6.29%

    7.04%

    2 Years

    6.29%

    6.96%

    3 Years

    6.39%

    6.92%

    4 Years

    6.75%

    7.00%

    5 Years

    6.75%

    6.97%

     

  • One-off Fees

     

     

    Establishment fee

    $0

    Settlement fee

    $400

    Redraw fee

    $0

    Ongoing Fees

     

     

    Annual fee

    $0

    Monthly fee

    $0

     

Additional Information

  • 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.

  • Offset Facility

    The offset facility is a separate account used in conjunction with your home loan account. With 100% offset, we deduct your transaction account balance from your Home Loan balance and you only pay interest on the reduced amount. For example, if the amount borrowed is $200,000 and the balance of the offset account is $20,000, interest will only be calculated on $180,000.2

    Repayments

    Principal & interest repayments.

    Loan to Value Ratio (LVR)

    Lenders Mortgage Insurance (LMI) is only required if the loan exceeds 80% of the property value or 85% for Premier Package Home Loan holders where approval conditions are met. These conditions include applicants to be employed in the Education or Healthcare sector, owner occupied only, no equity release with refinanced loans, no off the plan or construction loans, standard security types, some postcode restrictions apply. LMI protects the lender. Loans of up to 95% Loan to Value Ratio (LVR) can be approved, subject to meeting LMI approval conditions and may be extended to 98% inclusive of LMI fee capitalisation for First Home Buyers.

    Security

    First mortgage over owner occupied or investment property (not available for commercial properties).

Terms and Conditions

 

Important Information

Interest Rates effective 26 September 2024.

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.

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 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.