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Explore our home loan options

Our low rate & low fee home loan

Back to Basics

 

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Variable rate with optional offset

Standard Variable

 

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Repayment certainty over a fixed term

Fixed rate

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The effective date of any interest rates is 17 November 2023 unless shown otherwise within interest rate terms and conditions.

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Fixed Rate

Lock in your interest rate and repayment amount.

Comparison Rate

A comparison rate is a rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product. For more information about the comparison rate and the comparison rate warning, please refer to the things you should know section of this page

Variable Rate

A rate that is variable and is subject to change over the loan term. 

What is home loan cashback/redraw?

A home loan redraw facility allows you to request access to any extra repayments you’ve made into your home loan above and beyond the minimum required repayments.

What is an offset account?

An offset account is an everyday account that is linked to your home loan. You can deposit your salary and savings into that account (and sub-savings accounts) and the balance is then offset against the amount owing on your home loan.

What are Fixed Rate home loan early payment fees?

Additional repayments of up to $500 in excess of your minimum monthly repayment are permitted. After that, an Early Payment Interest Adjustment (EPIA) fee may apply. For more information, view our EPIA brochure (PDF).

Personal Banking

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