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All interest rates effective from 28 July 2018. ^†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 at 80% LVR with Principal and Interest repayments, may differ depending on borrower type and LVR, and is subject to change without notice (refer to our Compare Home Loans page). Terms and conditions apply to all loan features. ^For eligible applicants only. Final approval is subject to credit assessment. *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.