| Classic – Variable Rate Home Loan (Owner Occupied) | Package – Standard Variable Rate Home Loan (Owner Occupied) | Essential Plus – Variable Rate Home Loan (Owner Occupied) | Lifestyle Equity – Home Loan (Owner Occupied) | Premium – Standard Variable Rate Home Loan (Owner Occupied) | |
|---|---|---|---|---|---|
| Interest Rates | |||||
| Variable interest rate | 8.15% pa | 6.74% pa | 6.39% pa | 9.70% pa | 7.90% pa |
| Variable interest rate <$150,000 | N/A | N/A | N/A | 9.95% pa | N/A |
| Variable interest rate >$150,000 | N/A | N/A | N/A | 9.70% pa | N/A |
| Variable Home Owners Package <$150,000 | N/A | N/A | N/A | 9.70% pa | N/A |
| Variable Home Owners Package >$150,000 | N/A | N/A | N/A | 9.45% pa | N/A |
| Comparison rate | 8.20% pa | 6.99% pa | 6.54% pa | N/A | 8.00% pa |
| Principal and Interest | |||||
| Standard Variable Rate | 8.15% pa | 6.74% pa | 6.39% pa | 9.70% pa1 | 7.90% pa |
| Standard Comparison Rate | 8.20% pa | 6.99% pa | 6.54% pa | N/A | 8.00% pa |
| Interest Only | |||||
| Standard Variable Rate (Interest Only) | 8.25% pa | 6.84% pa | 6.49% pa | N/A | 8.00% pa |
| Standard Comparison Rate (Interest Only) | 8.30% pa | 7.09% pa | 6.64% pa | N/A | 8.12% pa |
| Fees | |||||
| Online Redraw fee | $02 | $02 | $02 | N/A | $02 |
| Establishment fee | $600 | $0 | $600 | $600 | $600 |
| Redraw fee | $202 | $202 | $202 | N/A | $202 |
| Monthly fee | $0 | $0 | $10 | $10 | $7.50 |
| Annual fee | $0 | $270 | $0 | $0 | $02 |
| Features | |||||
| Additional repayments accepted | Yes | Yes | Yes | Yes | Yes |
| Repayment frequency | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly |
| Offset account | Yes | Yes | No | Yes | Yes |
| Minimum redraw amount | $1,000 | $1,000 | $1,000 | N/A | $1,000 |
| Interest only available | Yes | Yes | Yes | N/A | Yes |
| Classic – Variable Rate Home Loan (Investment) | Package – Standard Variable Rate Home Loan (Investment) | Premium – Standard Variable Rate Home Loan (Investment) | |
|---|---|---|---|
| Interest Rates | |||
| Variable interest rate | 8.15% pa | 6.74% pa | 7.90% pa |
| Comparison rate | 8.20% pa | 6.99% pa | 8.02% pa |
| Principal and Interest | |||
| Standard Variable Rate | 8.15% pa | 6.74% pa | 7.90% pa |
| Standard Comparison Rate | 8.20% pa | 6.99% pa | 8.02% pa |
| Interest Only | |||
| Standard Variable Rate (Interest Only) | 8.25% pa | 6.84% pa | 8.00% pa |
| Standard Comparison Rate (Interest Only) | 8.30% pa | 7.09% pa | 8.12% pa |
| Fees | |||
| Online Redraw fee | $02 | $02 | $02 |
| Establishment fee | $600 | $0 | $600 |
| Redraw fee | $202 | $02 | $202 |
| Monthly fee | $0 | $0 | $7.50 |
| Annual fee | $0 | $270 | $0 |
| Features | |||
| Additional repayments accepted | Yes | Yes | Yes |
| Repayment frequency | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly |
| Offset account | Yes | Yes | Yes |
| Minimum redraw amount | $1,000 | $1,000 | $1,000 |
| Interest only available | Yes | Yes | Yes |
| 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 rate | 7.29% pa | 7.69% pa | 6.59% pa | 6.99% pa | 6.69% pa | 7.09% pa |
| Comparison rate | 8.10% pa | 8.15% pa | 6.97% pa | 7.02% pa | 7.89% pa | 7.93% pa |
| Principal and Interest | ||||||
| 1 Year – Fixed Rate | 7.29% pa | 7.69% pa | 6.59% pa | 6.99% pa | 6.69% pa | 7.09% pa |
| 1 Year – Comparison Rate | 8.10% pa | 8.15% pa | 6.97% pa | 7.02% pa | 7.89% pa | 7.93% pa |
| 2 Year – Fixed Rate | 7.44% pa | 7.84% pa | 6.74% pa | 7.14% pa | 6.84% pa | 7.24% pa |
| 2 Year – Comparison Rate | 8.05% pa | 8.13% pa | 6.99% pa | 7.07% pa | 7.80% pa | 7.88% pa |
| Interest Only | ||||||
| 1 Year Fixed Rate – Interest Only | 7.69% pa | 7.79% pa | 6.99% pa | 7.09% pa | 7.09% pa | 7.19% pa |
| 1 Year Fixed Rate Comparison – Interest Only | 8.23% pa | 8.25% pa | 7.10% pa | 7.12% pa | 8.02% pa | 8.03% pa |
| 2 Year Fixed Rate – Interest Only | 7.84% pa | 7.94% pa | 7.14% pa | 7.24% pa | 7.24% pa | 7.34% pa |
| 2 Year Fixed Rate – Comparison (Interest Only) | 8.21% pa | 8.23% pa | 7.15% pa | 7.17% pa | 7.96% pa | 7.98% pa |
| Fees | ||||||
| Online Redraw fee | N/A | $04 | $04 | $04 | $04 | $04 |
| Establishment fee | $600 | $600 | $0 | $0 | $600 | $600 |
| Redraw fee | $204 | $204 | $04 | $04 | $204 | $204 |
| Monthly fee | $0 | $0 | $0 | $0 | $7.50 | $7.50 |
| Annual fee | $0 | $0 | $270 | $270 | $0 | $0 |
| Features | ||||||
| Additional repayments accepted | Yes5 | Yes5 | Yes5 | Yes5 | Yes5 | Yes5 |
| Repayment frequency | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly |
| Offset account | No6 | No6 | No6 | No6 | No6 | No6 |
| Minimum redraw amount | $1,0004 | $1,0004 | $1,0004 | $1,0004 | $1,0004 | $1,0004 |
| Interest only available | Yes | Yes | Yes | Yes | Yes | Yes |
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 rate >$150,000
2 You must be at least one months repayment in advance plus $1000 to obtain a redraw
3 Reverts to standard variable Home Loan Rate for the product type after expiry of Fixed term.
4 From 1st October 2020 no redraw during fixed rate period
5 From 1st October additional repayments capped at $20,000
6 From 1st October 2020 no offset available during fixed rate period
