Standard Home Loan

3.57 % p.a.

variable interest rate

3.62 % p.a.

comparison rate1

  • Owner occupied
  • Loans with an LVR of 80% or less
Apply now

3.57 % p.a.

variable interest rate

3.62 % p.a.

comparison rate1

  • Owner occupied
  • Loans with an LVR of 80% or less
Apply now

The Home Loan that lets you live the way you want

The Standard Home Loan gives you a competitive interest rate, flexible repayments and no redraw fees. Take a look at our home loan payment calculator to see how much you can borrow.

The Details:

  • Take advantage of the 100% offset to reduce the interest on your loan.

  • Pay off your debt sooner with the flexibility to make additional repayments.

  • Take a Repayment Holiday if you need a short break from repayments.3

  • Pay off your loan early with no penalty.

  • The option of Portability lets you take your home loan with you.5

  • Loan terms up to 30 years.

  • It’s your choice whether you repay weekly, fortnightly or monthly.

  • Manage your finances easily with Interest Only available.2

  • Take advantage of free Redraw with a $500 minimum.

  • The Family Repayment Pause lets you take a breather when you are on maternity or paternity leave.4

  • There is no maximum loan amount.

  • Find out how your family could help with the deposit with our First Start Shared Equity Agreement (SEA) or Family Guarantee.5

  • Rates & Fees

    For a full list of Home Loan Interest Rates please refer to our Interest Rates page.

     Standard Home Loan
    Interest Rates LVR 80% or less LVR between 80% - 90% LVR greater than 90%
    Owner Occupied
    Variable Interest Rate 3.57% p.a. 3.77% p.a. 3.87% p.a.
    Comparison Rate 1 3.62% p.a. 3.82% p.a. 3.92% p.a.
    Investment
    Variable Interest Rate 4.07% p.a. 4.27% p.a. 4.37% p.a.
    Comparison Rate 1 4.12% p.a. 4.32% p.a. 4.42% p.a.
    Fees
    Establishment Fees6 $300 $300 $300
    Administration Fees7 $0 $0 $0
    Redraw Fee $0 $0 $0
    Security Administration Fee $400 $400 $400
  • More info

    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.

    Repayments

    Principal and 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.

    Help Buying Your Home

    First Start is an ideal way for parents to help their child enter the property market while protecting the interests of all parties.

    Want to know more about how it works? Check out our Frequently Asked Questions


  • 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.

We’re here to help

Buying a home is a journey you shouldn’t go through alone. Our Lending Specialists are here to guide you through the buying process; from application to settlement. We’ll review your unique circumstances and recommend the best home loan for your needs.

 

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Important Information
Home Loan Interest Rates effective 1 July 2020.
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. Monthly repayments only.
3. Loan must be in advance to enable repayment holiday.
4. Repayment pause is between 3 and 6 months and approval is required.
5. Subject to approval & conditions apply. Fees & charges apply.
6. An Establishment Fee of $950 applies to home loans for the purpose of bridging. Refer Terms & Conditions Part B Fees & Charges.
7. An Administration Fee applies to home loans for the purpose of construction. Refer Terms & Conditions Part B Fees & Charges.