Rates and Loan Features

View our low rate home loan and line of credit products across the different loan to value ratios (click here to find out more about LVR).

Low Rate Home Loan

  • Owner Occupied
  • Investment
Low Rate Home Loan Owner Occupied + -
Low Rate Home Loan Owner Occupied Principal & Interest Interest Only
LVR Interest rate Comparison rate Interest rate Comparison rate
Under 60% LVR Limited time pricing 2.49%p.a. 2.51%p.a. 2.74%p.a. 2.58%p.a.
60-80% LVR 2.65%p.a. 2.67%p.a. 2.90%p.a. 2.76%p.a.
80-90% LVR 2.95%p.a. 2.97%p.a. N/A N/A
90-95% LVR 3.15%p.a. 3.17%p.a. N/A N/A
Low Rate Home Loan Investment + -
    1. No application fee

    2. No annual fee

    3. No ongoing fee

    4. 100% Offset account

    1. Maximum loan value of $2m

    2. Online account access

    3. Unlimited additional payments and redraw

    1. Weekly, fortnightly or monthly payments

    2. Customer benefits program

    3. VISA Loan Access Card for daily purchases

Line of Credit Home Loan

Our award winning line of credit gives you flexible access to your equity to invest or undertake home improvements. Find out more here

Line Of Credit Owner Occupied Interest Only Investment Interest Only
LVR Interest rate Comparison rate Interest rate Comparison rate
Under 60% LVR Limited time pricing 2.74%p.a. 2.76%p.a. 2.99%p.a. 2.85%p.a.
60-80% LVR 2.90%p.a. 2.92%p.a. 3.15%p.a. 3.01%p.a.
80-90% LVR N/A N/A 3.45%p.a. 3.31%p.a.
    1. No application fee

    2. No annual fee

    3. No ongoing fee

    1. Online account access

    2. Customer benefits program

    3. Unlimited additional payments and redraw

    1. Weekly, fortnightly or monthly payments

    2. VISA Loan Access Card for daily purchases

Interest rates are effective from 18 May 2020 and are subject to change. Limited time pricing up to 60% LVR is for new applications received from 31 July 2020 and is for a limited time only. †Valuation cost up to a maximum of $500 provided free of charge. For valuation costs totalling more than $500 a fee may be payable by the borrower. **Interest rate shown applies to new eligible owner occupied loans up to 60% LVR with Principal and Interest repayments, may differ depending on borrower type and LVR, and is subject to change (you can view all our rates here). Terms and conditions apply to all loan features. *The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

What happens next?

Once we have all your information we take care of everything else.
Our customers use words like 'smooth', 'rapid' and 'professional' to describe our service.

Step 1 Complete an online application

Step 2 We will either approve it or get in touch to put on the finishing touches

Step 3 You sign, we finalise! If it’s a refinance we contact your current lender and make all the arrangements

Step 4 Your new loan settles and you enjoy lower rates

Calculate Your Repayments

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Our team of experienced Lending Specialists are ready to help you.