Get a lower variable interest rate.
Members please be advised the branch and call centre will be closed Monday 4 August for the Bank Holiday.
A reminder both Internet Banking and our Mobile App are available to access your money, anywhere, anytime.
A flexible loan with a competitive rate and handy features like redraw and offset
A flexible home loan with competitive variable rates, designed for borrowers who want extra features and repayment options. Ideal for those looking to pay off their home sooner or take advantage of redraw and offset facilities.
5.79
%
p.a.
Interest rate
5.85
%
p.a.
Comparison rate
Why choose our Premium Home Loan?
Don't know where to start?
Chat with one of our Lending Specialists today!
Whether you require support in budgeting, financing, or comprehending the intricacies of the home buying procedure, we stand ready to assist you at each stage, enabling you to make well-informed choices. Reach out to us today to initiate the journey toward your dream home.
| Premium home loan | Owner Occupier | Investment | ||
| Principal & interest | Interest rate | Comparison rate | Interest rate | Comparison rate |
| LVR Under 60% | 5.79% p.a. | 5.85% p.a. | 6.04% p.a. | 6.10% p.a. |
| LVR Between 60 - 80 % | 5.89% p.a. | 5.95% p.a. | 6.14% p.a. | 6.20% p.a. |
| LVR Over 80 % | 6.09% p.a. | 6.15% p.a. | 6.34% p.a. | 6.40% p.a. |
| Premium home loan | Owner Occupier | Investment | ||
| Interest only | Interest rate | Comparison rate | Interest rate | Comparison rate |
| LVR Under 60% | 5.89% p.a. | 5.95% p.a. | 6.14% p.a. | 6.20% p.a. |
| LVR Between 60 - 80 % | 5.99% p.a. | 6.05% p.a. | 6.24% p.a. | 6.30% p.a. |
| LVR Over 80 % | 6.29% p.a. | 6.35% p.a. | 6.44% p.a. | 6.50% p.a. |
Product Features:
Home Loan |
|
|---|---|
| Included in Relationship Rebate : | Yes |
| Deposit required : | 5%* |
| Establishment fee : | $155 |
| Valuation fees included within establishment fee : | No |
| Ability to increase loan amount (Loan Top Up) : | Yes |
| Additional repayments accepted : | Yes |
| Additional repayments fee : | $0 |
| Annual fee : | $0 |
| Can be used for building : | Yes |
| Early repayments without penalty : | Yes |
| Easy to apply for loan : | Yes |
| Discharge fee : | $200 |
| Interest charges : | Calculated daily, charged monthly |
| Interest only repayments (up to 5 years) : | Yes |
| Loan term : | up to 30 years |
| Maximum Loan-to-Value ratio : | 95% |
| Minimum amount : | $100,000 |
| Maximum amount : | Subject to application |
| Minimum term (years) : | 1 |
| Mortgage offset : | Yes |
| Partial split loan : | Yes |
| Rate term : | Variable |
| Repayments : | Monthly, Fortnightly, Weekly |
| Redraw facility : | Yes |
| Redraw fee : | $0 |
| Suitable for vacant land : | Yes |
| Repayment options : | Payroll deduction, Periodical payment, Internet banking |
| Switching fee : | $250 |
| Variable and lump sum repayments : | Yes |
Compare all our rates and fees
Find out all the latest rates and fees for our Home Loans.
Calculators
Borrowing power
We'll look at your income and expenses to see how much you may be able to borrow.
Loan repayments
Get a better idea of what your expected home loan repayments may look like.
Stamp duty calculator
Use our stamp duty calculator to estimate the stamp duty costs on your property.
Latest news and articles
Stay up-to-date with our latest news and articles to help you along the way
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