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Home Loan Comparison

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 Classic - Variable Rate Home Loan (Owner Occupied) Package - Standard Variable Rate Home Loan (Owner Occupied) Essential - Variable Rate Home Loan (Owner Occupied) Essential Plus - Variable Rate Home Loan (Owner Occupied) Lifestyle Equity - Home Loan (Owner Occupied) Home Equity - Home Loan (Owner Occupied) Premium - Standard Variable Rate Home Loan (Owner Occupied) 
  Interest Rates       
Variable interest rate5.40% pa4.60% pa14.94% pa4.12% pa5.65% pa26.40% pa35.15% pa
Comparison rate5.44% pa4.87% pa15.09% pa4.28% paN/A7.18% pa35.28% pa
  Principal and Interest       
Standard Variable Rate5.40% pa4.60% pa14.94% pa4.12% pa5.65% pa26.40% pa35.15% pa
Standard Comparison Rate5.44% pa4.87% pa15.09% pa4.28% paN/A7.18% pa35.28% pa
  Interest Only       
Standard Variable Rate (Interest Only)5.50% pa4.70% pa15.04% pa4.22% paN/AN/A5.25% pa
Standard Comparison Rate (Interest Only)5.54% pa4.97% pa15.19% pa4.38% paN/AN/A5.38% pa
  Fees       
Online Redraw fee$0 4$0 4$0 4$0 4N/AN/A$0 4
Establishment fee$600 $0 $600 $600 $600 $600 $600 
Redraw fee$20 4$20 4$20 4$20 4N/AN/A$20 4
Monthly fee$0 $0 $10 $10 $10 $10 $7.50 
Annual fee$0 $270 $0 $0 $0 $0 $0 
  Features       
Additional repayments acceptedYes Yes Yes Yes Yes Yes Yes 
Repayment frequencyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthly
Offset accountYes Yes No No Yes No Yes 
Minimum redraw amount$1,000 $1,000 $1,000 $1,000 N/A$1,000 $1,000 
Interest only availableYesYesYesYesN/AN/AYes


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 Classic - Variable Rate Home Loan (Investment) Package - Standard Variable Rate Home Loan (Investment) Essential - Variable Rate Home Loan (Investment) Premium - Standard Variable Rate Home Loan (Investment) 
  Interest Rates    
Variable interest rate5.40% pa4.60% pa14.94% pa5.15% pa
Comparison rate5.44% pa4.87% pa15.09% pa5.28% pa
  Principal and Interest    
Standard Variable Rate5.40% pa4.60% pa14.94% pa5.15% pa
Standard Comparison Rate5.44% pa4.87% pa15.09% pa5.28% pa
  Interest Only    
Standard Variable Rate (Interest Only)5.50% pa4.70% pa15.04% pa5.25% pa
Standard Comparison Rate (Interest Only)5.54% pa4.97% pa15.19% pa5.38% pa
  Fees    
Online Redraw fee$0 4$0 4$0 4$0 4
Establishment fee$600 $0 $600 $600 
Redraw fee$20 4$0 4$20 4$20 4
Monthly fee$0 $0 $10 $7.50 
Annual fee$0 $270 $0 $0 
  Features    
Additional repayments acceptedYes Yes Yes Yes 
Repayment frequencyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthly
Offset accountYes Yes No Yes 
Minimum redraw amount$1,000 $1,000 $1,000 $1,000 
Interest only availableYesYesYesYes


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 Classic - Fixed Rate Home Loan (Owner Occupied) Classic - Fixed Rate Home Loan (Investment) Package - Fixed Rate Home Loan (Owner Occupied) Package - Fixed Rate Home Loan (Investment) Premium - Fixed Rate Home Loan (Owner Occupied) Premium - Fixed Rate Home Loan (Investment) 
  Interest Rates      
Fixed interest rate4.04% pa54.34% pa53.69% pa53.99% pa53.79% pa54.09% pa5
Comparison rate5.31% pa55.34% pa54.62% pa54.82% pa55.14% pa55.17% pa5
  Principal and Interest      
1 Year - Fixed Rate4.04% pa4.34% pa3.69% pa3.99% pa53.79% pa4.09% pa
1 Year - Comparison Rate5.31% pa5.34% pa4.62% pa4.82% pa55.14% pa5.17% pa
2 Year - Fixed Rate4.14% pa4.44% pa3.79% pa4.09% pa3.89% pa4.19% pa
2 Year - Comparison Rate5.20% pa5.26% pa4.57% pa4.78% pa5.04% pa5.10% pa
  Interest Only      
1 Year Fixed Rate - Interest Only4.34% pa4.44% pa3.99% pa4.09% pa4.09% pa4.19% pa
1 Year Fixed Rate Comparison - Interest Only5.43% pa5.44% pa4.74% pa4.91% pa5.26% pa5.27% pa
2 Year Fixed Rate - Interest Only4.44% pa4.54% pa4.09% pa4.19% pa4.19% pa4.29% pa
2 Year Fixed Rate - Comparison (Interest Only)5.34% pa5.36% pa4.71% pa4.88% pa5.18% pa5.19% pa
  Fees      
Online Redraw fee$0 4$0 $0 $0 4$0 4$0 4
Establishment fee$600 $600 $0 $0 $600 $600 
Redraw fee$20 $20 $0 $0 4$20 4$20 4
Monthly fee$0 $0 $0 $0 $7.50 $7.50 
Annual fee$0 $0 $270 $270 $0 $0 
  Features      
Additional repayments acceptedYes Yes Yes Yes Yes Yes 
Repayment frequencyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthlyWeekly, fortnightly, monthly
Offset accountYes Yes Yes Yes Yes Yes 
Minimum redraw amount$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 
Interest only availableYesYesYesYesYesYes


 

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WARNING: Comparison rates apply only to the example or examples given. Comparison rate calculated on a secure loan amount of $150,000 over a term of 25yrs based on monthly P&I repayments. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early payment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

1 Standard variable over $500,001 P&I

2 Standard variable rate >$150,000

3 Rate based on residential security

4 You must be at least one months repayment in advance plus $500 to obtain a redraw.

5 Fixed rate reverts to our Standard Variable Home Loan rate after 12 months.