Key features and benefits

  • Multiple offset accounts7.

  • Discounted Establishment Fee3,4 of $300.

  • Ability to borrow up to 85% LVR with no LMI.5

  • 0.80% p.a. discount off Standard Home Loan variable interest rates.

Receive discounts on other key products

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Personal Loan

Establishment Fee waived

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Visa Platinum Credit Card

No annual fee

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CGU insurance

Competitive prices through us6

  • Rates & Fees
    Premier Package Home Loan
    Interest Rates LVR 80% or less LVR greater than 80%
    Owner Occupied
    Variable Interest Rate 3.89% p.a. 4.09% p.a.
    Comparison Rate 1 4.26% p.a. 4.46% p.a.
    Discounted 2 Year Fixed 8 3.69% p.a. 3.69% p.a.
    Discounted 2 Year Fixed Comparison 1 4.23% p.a. 4.39% p.a.
    Discounted 3 Year Fixed 8 3.79% p.a. 3.79% p.a.
    Discounted 3 Year Fixed Comparison 1 4.24% p.a. 4.38% p.a.
    Investment
    Variable Interest Rate 4.39% p.a. 4.59% p.a.
    Comparison Rate 1 4.75% p.a. 4.95% p.a.
    Discounted 2 Year Fixed 8 3.90% p.a. 3.90% p.a.
    Discounted 2 Year Fixed Comparison 1 4.66% p.a. 4.82% p.a.
    Discounted 3 Year Fixed 8 3.99% p.a. 3.99% p.a.
    Discounted 3 Year Fixed Comparison 1 4.65% p.a. 4.79% p.a.
    Standard Fixed Interest Rate 1-5 Years Yes, refer to Interest Rates Page
    Fees
    Premier Package Home Loan Fee $350 annual fee
    Establishment Fees 3, 4 $300
    Administration Fees 9 $0
    Discounted Loan Switching Fee $150
  • More Info

    Offset Facility - Multiple Accounts

    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 $180,0007.

    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 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).

    Splitting your Loan

    We offer the flexibility of splitting your loan into Variable and Fixed Interest Rate portions or into two or more different loan products (the offset feature is not available for fixed rates).

    Interest

    Interest calculated daily and charged monthly in arrears.

  • Home Loan Key Facts Sheet

    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.

    Use our Home Loan Calculator to figure out how much you can borrow and what your repayments may be.

Enquire Now

Leave your details below and one of our consultants will be in touch.

Important Information
Home Loan Interest Rates effective 2 November 2018.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
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. Fees and charges apply. Terms and conditions available upon request.
2. Minimum amount $500.
3. Applicants who decide not to proceed with the loan may incur establishment fees.
4. Establishment Fee waived for first home buyers.
5. 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 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.
6. General insurance is issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227 681 trading as CGU Insurance. In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769, AFSL 240 960 acts under an agreement with CGU, not as your agent. This information does not take into consideration your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or relevant Product Disclosure Statement (PDS) before acquiring a product, available by calling 1300 654 166. We receive commission on these insurance products as a percentage of the premium price for each policy ranging from 5-35%.
7. Not available during fixed interest rate period. When you link a transaction account to an offset facility, you earn no interest under the transaction account even if the balance of the transaction account exceeds the loan balance. 
8. Discounted Fixed Rate offer available for applications where the loan contract has been signed and all approval conditions satisfied or settlement has been booked, by 31 January 2019. Offer available to new Home Loan customers only. Offer may be withdrawn at any time.
9. An Administration Fee applies to home loans for the purpose of construction. Refer Terms & Conditions Part B Fees & Charges.