View our fixed and variable interest rates for our Home Loans, Car Loans, Personal Loans and Credit Cards.
Home Loans
Interest Rates for Home Loans are determined by your loan purpose (owner occupied or investment ), variable or fixed rate options and the Loan to Value Ratio (LVR).
LVR is the initial amount you are borrowing, represented as a percentage of the value of the asset you are purchasing. For example, a loan of $400,000 to buy a property worth $500,000 results in a LVR of 80%. Home loan rates are set based on the initial LVR at the time of purchase and don’t change because of changes to the LVR during the life of the loan.
Owner Occupied

Variable rates
LVR of 80% or lessLVR of 80% or lessInterest
rate (p.a)^{}Comparison
rate (p.a)^{1,2}First home buyer comparison rate (p.a.)^{1,2}First Rate Home Loan^{}Interest rate (p.a)^{}2.84%^{}
Comparison rate (p.a)^{1,2}2.89%^{}
First home buyer comparison rate (p.a.)^{1,2}2.88%^{}
Premier Package Home Loan^{}Interest rate (p.a)^{}2.88%^{}
Comparison rate (p.a)^{1,2}3.32%^{}
First home buyer comparison rate (p.a.)^{1,2}3.32%^{}
Complete Home Loan^{}Interest rate (p.a)^{}3.21%^{}
Comparison rate (p.a)^{1,2}3.26%^{}
First home buyer comparison rate (p.a.)^{1,2}3.25%^{}
Standard Home Loan^{}Interest rate (p.a)^{}3.57%^{}
Comparison rate (p.a)^{1,2}3.62%^{}
First home buyer comparison rate (p.a.)^{1,2}3.61%^{}
Equity Line of Credit Home Loan^{}Interest rate (p.a)^{}4.39%^{}
Comparison rate (p.a)^{1,2}N/A^{}
First home buyer comparison rate (p.a.)^{1,2}N/A^{}
LVR between 80%  90%LVR between 80%  90%Interest
rate (p.a)^{}Comparison
rate (p.a)^{1,2}First home buyer comparison rate (p.a.)^{1,2}First Rate Home Loan^{}Interest rate (p.a)^{}3.04%^{}
Comparison rate (p.a)^{1,2}3.09%^{}
First home buyer comparison rate (p.a.)^{1,2}3.08%^{}
Premier Package Home Loan^{}Interest rate (p.a)^{}3.08%^{}
Comparison rate (p.a)^{1,2}3.52%^{}
First home buyer comparison rate (p.a.)^{1,2}3.52%^{}
Complete Home Loan^{}Interest rate (p.a)^{}3.41%^{}
Comparison rate (p.a)^{1,2}3.46%^{}
First home buyer comparison rate (p.a.)^{1,2}3.45%^{}
Standard Home Loan^{}Interest rate (p.a)^{}3.77%^{}
Comparison rate (p.a)^{1,2}3.82%^{}
First home buyer comparison rate (p.a.)^{1,2}3.80%^{}
Equity Line of Credit Home Loan^{}Interest rate (p.a)^{}4.39%^{}
Comparison rate (p.a)^{1,2}N/A^{}
First home buyer comparison rate (p.a.)^{1,2}N/A^{}
LVR greater than 90%LVR greater than 90%Interest
rate (p.a)^{}Comparison
rate (p.a)^{1,2}First home buyer comparison rate (p.a.)^{1,2}First Rate Home Loan^{}Interest rate (p.a)^{}3.14%^{}
Comparison rate (p.a)^{1,2}3.19%^{}
First home buyer comparison rate (p.a.)^{1,2}3.18%^{}
Premier Package Home Loan^{}Interest rate (p.a)^{}3.18%^{}
Comparison rate (p.a)^{1,2}3.62%^{}
First home buyer comparison rate (p.a.)^{1,2}3.62%^{}
Complete Home Loan^{}Interest rate (p.a)^{}3.51%^{}
Comparison rate (p.a)^{1,2}3.56%^{}
First home buyer comparison rate (p.a.)^{1,2}3.55%^{}
Standard Home Loan^{}Interest rate (p.a)^{}3.87%^{}
Comparison rate (p.a)^{1,2}3.92%^{}
First home buyer comparison rate (p.a.)^{1,2}3.90%^{}
Equity Line of Credit Home Loan^{}Interest rate (p.a)^{}4.39%^{}
Comparison rate (p.a)^{1,2}N/A^{}
First home buyer comparison rate (p.a.)^{1,2}N/A^{}

Fixed rates: Premier Package
LVR of 80% or lessLVR of 80% or lessInterest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}2.19%^{}
Comparison rate (p.a)^{1,2}3.26%^{}
2 Year^{}Interest rate (p.a)^{3}2.19%^{}
Comparison rate (p.a)^{1,2}3.21%^{}
3 Year^{}Interest rate (p.a)^{3}1.99%^{}
Comparison rate (p.a)^{1,2}3.10%^{}
4 Year^{}Interest rate (p.a)^{3}2.89%^{}
Comparison rate (p.a)^{1,2}3.33%^{}
5 Year^{}Interest rate (p.a)^{3}2.94%^{}
Comparison rate (p.a)^{1,2}3.35%^{}
LVR between 80%  90%LVR between 80%  90%Interest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}2.79%^{}
Comparison rate (p.a)^{1,2}3.49%^{}
2 Year^{}Interest rate (p.a)^{3}2.79%^{}
Comparison rate (p.a)^{1,2}3.47%^{}
3 Year^{}Interest rate (p.a)^{3}2.59%^{}
Comparison rate (p.a)^{1,2}3.40%^{}
4 Year^{}Interest rate (p.a)^{3}2.89%^{}
Comparison rate (p.a)^{1,2}3.46%^{}
5 Year^{}Interest rate (p.a)^{3}2.94%^{}
Comparison rate (p.a)^{1,2}3.46%^{}
LVR greater than 90%LVR greater than 90%Interest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}2.79%^{}
Comparison rate (p.a)^{1,2}3.58%^{}
2 Year^{}Interest rate (p.a)^{3}2.79%^{}
Comparison rate (p.a)^{1,2}3.55%^{}
3 Year^{}Interest rate (p.a)^{3}2.59%^{}
Comparison rate (p.a)^{1,2}3.47%^{}
4 Year^{}Interest rate (p.a)^{3}2.89%^{}
Comparison rate (p.a)^{1,2}3.52%^{}
5 Year^{}Interest rate (p.a)^{3}2.94%^{}
Comparison rate (p.a)^{1,2}3.52%^{}

Fixed rates: Complete
LVR of 80% or lessLVR of 80% or lessInterest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}2.44%^{}
Comparison rate (p.a)^{1,2}3.20%^{}
2 Year^{}Interest rate (p.a)^{3}2.44%^{}
Comparison rate (p.a)^{1,2}3.13%^{}
3 Year^{}Interest rate (p.a)^{3}2.09%^{}
Comparison rate (p.a)^{1,2}2.98%^{}
4 Year^{}Interest rate (p.a)^{3}2.99%^{}
Comparison rate (p.a)^{1,2}3.19%^{}
5 Year^{}Interest rate (p.a)^{3}3.04%^{}
Comparison rate (p.a)^{1,2}3.20%^{}
LVR between 80%  90%LVR between 80%  90%Interest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}3.04%^{}
Comparison rate (p.a)^{1,2}3.43%^{}
2 Year^{}Interest rate (p.a)^{3}3.04%^{}
Comparison rate (p.a)^{1,2}3.40%^{}
3 Year^{}Interest rate (p.a)^{3}2.69%^{}
Comparison rate (p.a)^{1,2}3.28%^{}
4 Year^{}Interest rate (p.a)^{3}2.99%^{}
Comparison rate (p.a)^{1,2}3.33%^{}
5 Year^{}Interest rate (p.a)^{3}3.04%^{}
Comparison rate (p.a)^{1,2}3.32%^{}
LVR greater than 90%LVR greater than 90%Interest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}3.04%^{}
Comparison rate (p.a)^{1,2}3.52%^{}
2 Year^{}Interest rate (p.a)^{3}3.04%^{}
Comparison rate (p.a)^{1,2}3.48%^{}
3 Year^{}Interest rate (p.a)^{3}2.69%^{}
Comparison rate (p.a)^{1,2}3.36%^{}
4 Year^{}Interest rate (p.a)^{3}2.99%^{}
Comparison rate (p.a)^{1,2}3.39%^{}
5 Year^{}Interest rate (p.a)^{3}3.04%^{}
Comparison rate (p.a)^{1,2}3.38%^{}
Investment

Variable rates
LVR of 80% or lessLVR of 80% or lessInterest
rate (p.a)^{}Comparison
rate (p.a)^{1,2}Premier Package Home Loan^{}Interest rate (p.a)^{}3.33%^{}
Comparison rate (p.a)^{1,2}3.76%^{}
Complete Home Loan^{}Interest rate (p.a)^{}3.66%^{}
Comparison rate (p.a)^{1,2}3.71%^{}
Standard Home Loan^{}Interest rate (p.a)^{}4.07%^{}
Comparison rate (p.a)^{1,2}4.12%^{}
Equity Line of Credit Home Loan^{}Interest rate (p.a)^{}4.49%^{}
Comparison rate (p.a)^{1,2}N/A^{}
LVR between 80%  90%LVR between 80%  90%Interest
rate (p.a)^{}Comparison
rate (p.a)^{1,2}Premier Package Home Loan^{}Interest rate (p.a)^{}3.53%^{}
Comparison rate (p.a)^{1,2}3.96%^{}
Complete Home Loan^{}Interest rate (p.a)^{}3.86%^{}
Comparison rate (p.a)^{1,2}3.91%^{}
Standard Home Loan^{}Interest rate (p.a)^{}4.27%^{}
Comparison rate (p.a)^{1,2}4.32%^{}
Equity Line of Credit Home Loan^{}Interest rate (p.a)^{}4.49%^{}
Comparison rate (p.a)^{1,2}N/A^{}
LVR greater than 90%LVR greater than 90%Interest
rate (p.a)^{}Comparison
rate (p.a)^{1,2}Premier Package Home Loan^{}Interest rate (p.a)^{}3.63%^{}
Comparison rate (p.a)^{1,2}4.05%^{}
Complete Home Loan^{}Interest rate (p.a)^{}3.96%^{}
Comparison rate (p.a)^{1,2}4.01%^{}
Standard Home Loan^{}Interest rate (p.a)^{}4.37%^{}
Comparison rate (p.a)^{1,2}4.42%^{}
Equity Line of Credit Home Loan^{}Interest rate (p.a)^{}4.49%^{}
Comparison rate (p.a)^{1,2}N/A^{}

Fixed rates: Premier Package
LVR of 80% or lessLVR of 80% or lessInterest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}2.49%^{}
Comparison rate (p.a)^{1,2}3.69%^{}
2 Year^{}Interest rate (p.a)^{3}2.49%^{}
Comparison rate (p.a)^{1,2}3.62%^{}
3 Year^{}Interest rate (p.a)^{3}2.24%^{}
Comparison rate (p.a)^{1,2}3.49%^{}
4 Year^{}Interest rate (p.a)^{3}3.14%^{}
Comparison rate (p.a)^{1,2}3.70%^{}
5 Year^{}Interest rate (p.a)^{3}3.19%^{}
Comparison rate (p.a)^{1,2}3.71%^{}
LVR between 80%  90%LVR between 80%  90%Interest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}3.09%^{}
Comparison rate (p.a)^{1,2}3.92%^{}
2 Year^{}Interest rate (p.a)^{3}3.09%^{}
Comparison rate (p.a)^{1,2}3.88%^{}
3 Year^{}Interest rate (p.a)^{3}2.84%^{}
Comparison rate (p.a)^{1,2}3.78%^{}
4 Year^{}Interest rate (p.a)^{3}3.14%^{}
Comparison rate (p.a)^{1,2}3.83%^{}
5 Year^{}Interest rate (p.a)^{3}3.19%^{}
Comparison rate (p.a)^{1,2}3.82%^{}
LVR greater than 90%LVR greater than 90%Interest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}3.09%^{}
Comparison rate (p.a)^{1,2}4.00%^{}
2 Year^{}Interest rate (p.a)^{3}3.09%^{}
Comparison rate (p.a)^{1,2}3.96%^{}
3 Year^{}Interest rate (p.a)^{3}2.84%^{}
Comparison rate (p.a)^{1,2}3.85%^{}
4 Year^{}Interest rate (p.a)^{3}3.14%^{}
Comparison rate (p.a)^{1,2}3.89%^{}
5 Year^{}Interest rate (p.a)^{3}3.19%^{}
Comparison rate (p.a)^{1,2}3.88%^{}

Fixed rates: Complete
LVR of 80% or lessLVR of 80% or lessInterest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}2.74%^{}
Comparison rate (p.a)^{1,2}3.63%^{}
2 Year^{}Interest rate (p.a)^{3}2.74%^{}
Comparison rate (p.a)^{1,2}3.55%^{}
3 Year^{}Interest rate (p.a)^{3}2.34%^{}
Comparison rate (p.a)^{1,2}3.38%^{}
4 Year^{}Interest rate (p.a)^{3}3.24%^{}
Comparison rate (p.a)^{1,2}3.57%^{}
5 Year^{}Interest rate (p.a)^{3}3.29%^{}
Comparison rate (p.a)^{1,2}3.57%^{}
LVR between 80%  90%LVR between 80%  90%Interest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}3.34%^{}
Comparison rate (p.a)^{1,2}3.87%^{}
2 Year^{}Interest rate (p.a)^{3}3.34%^{}
Comparison rate (p.a)^{1,2}3.82%^{}
3 Year^{}Interest rate (p.a)^{3}2.94%^{}
Comparison rate (p.a)^{1,2}3.68%^{}
4 Year^{}Interest rate (p.a)^{3}3.24%^{}
Comparison rate (p.a)^{1,2}3.71%^{}
5 Year^{}Interest rate (p.a)^{3}3.29%^{}
Comparison rate (p.a)^{1,2}3.68%^{}
LVR greater than 90%LVR greater than 90%Interest
rate (p.a)^{3}Comparison
rate (p.a)^{1,2}1 Year^{}Interest rate (p.a)^{3}3.34%^{}
Comparison rate (p.a)^{1,2}3.96%^{}
2 Year^{}Interest rate (p.a)^{3}3.34%^{}
Comparison rate (p.a)^{1,2}3.90%^{}
3 Year^{}Interest rate (p.a)^{3}2.94%^{}
Comparison rate (p.a)^{1,2}3.75%^{}
4 Year^{}Interest rate (p.a)^{3}3.24%^{}
Comparison rate (p.a)^{1,2}3.77%^{}
5 Year^{}Interest rate (p.a)^{3}3.29%^{}
Comparison rate (p.a)^{1,2}3.74%^{}
Car Loans
Interest Rates for Car Loans are determined by your choice of variable rate or fixed rate options.

Variable rates
PromotionalPromotionalInterest
rate (p.a)^{8}Comparison
rate (p.a)^{2,8}New Car Loan^{}Interest rate (p.a)^{8}5.79%^{}
Comparison rate (p.a)^{2,8}6.06%^{6}
Used Car Loan^{}Interest rate (p.a)^{8}6.79%^{}
Comparison rate (p.a)^{2,8}8.12%^{5}
Green Car Loan^{}Interest rate (p.a)^{8}5.29%^{}
Comparison rate (p.a)^{2,8}5.56%^{6}
StandardStandardInterest
rate (p.a)^{}Comparison
rate (p.a)^{2}New Car Loan^{}Interest rate (p.a)^{}8.79%^{}
Comparison rate (p.a)^{2}9.07%^{6}
Used Car Loan^{}Interest rate (p.a)^{}9.79%^{}
Comparison rate (p.a)^{2}11.15%^{5}
Green Car Loan^{}Interest rate (p.a)^{}8.29%^{}
Comparison rate (p.a)^{2}8.57%^{6}

Fixed rates
Promotional interest
rate (p.a)^{8}Promotional comparison
rate (p.a)^{2,8}Interest
rate (p.a)^{7}Comparison
rate (p.a)^{2}1 Year^{}Promotional interest rate (p.a)^{8}5.79%^{}
Promotional comparison rate (p.a)^{2,8}7.94%^{6}
Interest rate (p.a)^{7}8.79%^{}
Comparison rate (p.a)^{2}9.07%^{6}
2 Year^{}Promotional interest rate (p.a)^{8}5.79%^{}
Promotional comparison rate (p.a)^{2,8}7.10%^{6}
Interest rate (p.a)^{7}8.79%^{}
Comparison rate (p.a)^{2}9.07%^{6}
3 Year^{}Promotional interest rate (p.a)^{8}5.79%^{}
Promotional comparison rate (p.a)^{2,8}6.52%^{6}
Interest rate (p.a)^{7}8.79%^{}
Comparison rate (p.a)^{2}9.07%^{6}
4 Year^{}Promotional interest rate (p.a)^{8}5.79%^{}
Promotional comparison rate (p.a)^{2,8}6.18%^{6}
Interest rate (p.a)^{7}8.79%^{}
Comparison rate (p.a)^{2}9.07%^{6}
5 Year^{}Promotional interest rate (p.a)^{8}5.79%^{}
Promotional comparison rate (p.a)^{2,8}6.06%^{6}
Interest rate (p.a)^{7}8.79%^{}
Comparison rate (p.a)^{2}9.07%^{6}
Promotional interest
rate (p.a)^{8}Promotional comparison
rate (p.a)^{2,8}Interest
rate (p.a)^{7}Comparison
rate (p.a)^{2}1 Year^{}Promotional interest rate (p.a)^{8}5.29%^{}
Promotional comparison rate (p.a)^{2,8}7.44%^{6}
Interest rate (p.a)^{7}8.29%^{}
Comparison rate (p.a)^{2}8.57%^{6}
2 Year^{}Promotional interest rate (p.a)^{8}5.29%^{}
Promotional comparison rate (p.a)^{2,8}6.61%^{6}
Interest rate (p.a)^{7}8.29%^{}
Comparison rate (p.a)^{2}8.57%^{6}
3 Year^{}Promotional interest rate (p.a)^{8}5.29%^{}
Promotional comparison rate (p.a)^{2,8}6.02%^{6}
Interest rate (p.a)^{7}8.29%^{}
Comparison rate (p.a)^{2}8.57%^{6}
4 Year^{}Promotional interest rate (p.a)^{8}5.29%^{}
Promotional comparison rate (p.a)^{2,8}5.68%^{6}
Interest rate (p.a)^{7}8.29%^{}
Comparison rate (p.a)^{2}8.57%^{6}
5 Year^{}Promotional interest rate (p.a)^{8}5.29%^{}
Promotional comparison rate (p.a)^{2,8}5.56%^{6}
Interest rate (p.a)^{7}8.29%^{}
Comparison rate (p.a)^{2}8.57%^{6}
Promotional interest
rate (p.a)^{8}Promotional comparison
rate (p.a)^{2,8}Interest
rate (p.a)^{7}Comparison
rate (p.a)^{2}1 Year^{}Promotional interest rate (p.a)^{8}6.79%^{}
Promotional comparison rate (p.a)^{2,8}9.44%^{5}
Interest rate (p.a)^{7}9.79%^{}
Comparison rate (p.a)^{2}11.15%^{5}
2 Year^{}Promotional interest rate (p.a)^{8}6.79%^{}
Promotional comparison rate (p.a)^{2,8}8.46%^{5}
Interest rate (p.a)^{7}9.79%^{}
Comparison rate (p.a)^{2}11.15%^{5}
3 Year^{}Promotional interest rate (p.a)^{8}6.79%^{}
Promotional comparison rate (p.a)^{2,8}8.12%^{5}
Interest rate (p.a)^{7}9.79%^{}
Comparison rate (p.a)^{2}11.15%^{5}
4 Year^{}Promotional interest rate (p.a)^{8}6.79%^{}
Promotional comparison rate (p.a)^{2,8}8.12%^{5}
Interest rate (p.a)^{7}9.79%^{}
Comparison rate (p.a)^{2}11.15%^{5}
5 Year^{}Promotional interest rate (p.a)^{8}6.79%^{}
Promotional comparison rate (p.a)^{2,8}8.12%^{5}
Interest rate (p.a)^{7}9.79%^{}
Comparison rate (p.a)^{2}11.15%^{5}
Personal Loans
Interest Rates for Personal Loans are determined by your choice of variable rate or fixed rate options.

Variable rates
Interest
rate (p.a)^{}Comparison
rate (p.a)^{4}Personal Loan^{}Interest rate (p.a)^{}9.64%^{}
Comparison rate (p.a)^{4}11.00%^{}
Green Personal Loan^{}Interest rate (p.a)^{}7.25%^{}
Comparison rate (p.a)^{4}8.59%^{}
Share Loan^{}Interest rate (p.a)^{}8.15%^{}
Comparison rate (p.a)^{4}9.49%^{}
Overdraft^{}Interest rate (p.a)^{}12.79%^{}
Comparison rate (p.a)^{4}N/A^{}

Fixed rates
Interest
rate (p.a)^{}Comparison
rate (p.a)^{4}15 Years^{}Interest rate (p.a)^{}9.64%^{}
Comparison rate (p.a)^{4}11.00%^{}
Interest
rate (p.a)^{}Comparison
rate (p.a)^{4}15 Years^{}Interest rate (p.a)^{}7.25%^{}
Comparison rate (p.a)^{4}8.59%^{}
Interest
rate (p.a)^{}Comparison
rate (p.a)^{4}15 Years^{}Interest rate (p.a)^{}8.15%^{}
Comparison rate (p.a)^{4}9.49%^{}
Credit Cards
Interest Rates for Credit Cards vary for purchases, cash advances and balance transfers.

Variable rates
Purchase variable rate (p.a)^{}Balance transfer variable rate (p.a)^{}Cash advance variable rate (p.a)^{}Visa Platinum Credit Card (S6)^{}Purchase variable rate (p.a)^{}
9.59%^{}
Balance transfer variable rate (p.a)^{}9.59%^{}
Cash advance variable rate (p.a)^{}19.59%^{}
Visa Classic Credit Card (S7)^{}Purchase variable rate (p.a)^{}12.54%^{}
Balance transfer variable rate (p.a)^{}12.54%^{}
Cash advance variable rate (p.a)^{}12.54%^{}