Home Loan Interest Rates

Here’s all our cards on the table

We’ve put together all the rates and fees for each of our home loans. If any of the following terms sound foreign to you, we’ve got a breakdown of some of the home loan lingo.

Neat variable home loan rates

Take it back to basics with no annual fee and a low variable rate.

Variable Principal and interest (P&I)

Variable
‍Principal and interest (P&I)

Loan to value ratio (LVR)

Interest rate p.a.

Comparison rate p.a.¹

Up to 60%

<oo-pi-lvr60>%

<oo-pi-lvr60-comp>%

Up to 70%

<oo-pi-lvr70>%

<oo-pi-lvr70-comp>%

Up to 80%

<oo-pi-lvr80>%

<oo-pi-lvr80-comp>%

Up to 85%

<oo-pi-lvr85>%

<oo-pi-lvr85-comp>%

Neat standard variable rate

Standard base rate referenced in our loan contracts

<oo-pi-svr>%

<oo-pi-svr-comp>%

Variable Principal and interest (P&I)

Variable
‍Principal and interest (P&I)

Loan to value ratio (LVR)

Interest rate p.a.

Comparison rate p.a.¹

Up to 60%

<inv-pi-lvr60>%

<inv-pi-lvr60-comp>%

Up to 70%

<inv-pi-lvr70>%

<inv-pi-lvr70-comp>%

Up to 80%

<inv-pi-lvr80>%

<inv-pi-lvr80-comp>%

Neat standard variable investment rate

Standard base rate referenced in our loan contracts

<inv-pi-svr>%

<inv-pi-svr-comp>%

Variable Interest only (IO)

Loan to value ratio (LVR)

Interest rate p.a.

Comparison rate p.a.¹

Up to 60%

<inv-io-lvr60>%

<inv-io-lvr60-comp>%

Up to 70%

<inv-io-lvr70>%

<inv-io-lvr70-comp>%

Up to 80%

<inv-io-lvr80>%

<inv-io-lvr80-comp>%

Neat standard variable investment interest only rate

Standard base rate referenced in our loan contracts

<inv-io-svr>%

<inv-io-svr-comp>%

Flex variable home loan rates

Get variable rates with lots of options and 100% interest offset with multiple Spend, Bills and Save accounts.

Variable Principal and interest (P&I)

Variable
‍Principal and interest (P&I)

Loan to value ratio (LVR)

Interest rate p.a.

Comparison rate p.a.¹

Up to 60%

<flex-oo-pi-lvr60>%

<flex-oo-pi-lvr60-comp>%

Up to 70%

<flex-oo-pi-lvr70>%

<flex-oo-pi-lvr70-comp>%

Up to 80%

<flex-oo-pi-lvr80>%

<flex-oo-pi-lvr80-comp>%

Up to 85%

<flex-oo-pi-lvr85>%

<flex-oo-pi-lvr85-comp>%

Flex standard variable rate

Standard base rate referenced in our loan contracts

<flex-oo-pi-svr>%

<flex-oo-pi-svr-comp>%

Variable Interest only (IO)

Variable
‍Interest only (IO)

Loan to value ratio (LVR)

Interest rate p.a.

Comparison rate p.a.¹

Up to 60%

<flex-oo-io-lvr60>%

<flex-oo-io-lvr60-comp>%

Up to 70%

<flex-oo-io-lvr70>%

<flex-oo-io-lvr70-comp>%

Up to 80%

<flex-oo-io-lvr80>%

<flex-oo-io-lvr80-comp>%

Flex standard variable interest only rate

Standard base rate referenced in our loan contracts

<flex-oo-io-svr>%

<flex-oo-io-svr-comp>%

Variable Principal and interest (P&I)

Variable
‍Principal and interest (P&I)

Loan to value ratio (LVR)

Interest rate p.a.

Comparison rate p.a.¹

Up to 60%

<flex-inv-pi-lvr60>%

<flex-inv-pi-lvr60-comp>%

Up to 70%

<flex-inv-pi-lvr70>%

<flex-inv-pi-lvr70-comp>%

Up to 80%

<flex-inv-pi-lvr80>%

<flex-inv-pi-lvr80-comp>%

Flex standard variable investment rate

Standard base rate referenced in our loan contracts

<flex-inv-pi-svr>%

<flex-inv-pi-svr-comp>%

Variable Interest only (IO)

Variable
‍Interest only (IO)

Loan to value ratio (LVR)

Interest rate p.a.

Comparison rate p.a.¹

Up to 60%

<flex-inv-io-lvr60>%

<flex-inv-io-lvr60-comp>%

Up to 70%

<flex-inv-io-lvr70>%

<flex-inv-io-lvr70-comp>%

Up to 80%

<flex-inv-io-lvr80>%

<flex-inv-io-lvr80-comp>%

Flex Standard Variable Investment Interest Only Rate

Standard base rate referenced in our loan contracts

<flex-inv-io-svr>%

<flex-inv-io-svr-comp>%

Flex fixed home loan rates

Avoid the unexpected by fixing your rate for up to 5 years.

Fixed Principal and interest (P&I) with a

Fixed
‍Principal and interest (P&I) with a

Thank you! Your submission has been received!

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Term

Interest rate p.a.

Comparison rate p.a.¹

1 year

<oo-pi-1y>%

<oo-pi-1y-lvr60-comp>%

2 year

<oo-pi-2y>%

<oo-pi-2y-lvr60-comp>%

3 year

<oo-pi-3y>%

<oo-pi-3y-lvr60-comp>%

5 year

<oo-pi-5y>%

<oo-pi-5y-lvr60-comp>%

1 year

<oo-pi-1y>%

<oo-pi-1y-lvr70-comp>%

2 year

<oo-pi-2y>%

<oo-pi-2y-lvr70-comp>%

3 year

<oo-pi-3y>%

<oo-pi-3y-lvr70-comp>%

5 year

<oo-pi-5y>%

<oo-pi-5y-lvr70-comp>%

1 year

<oo-pi-1y>%

<oo-pi-1y-lvr80-comp>%

2 year

<oo-pi-2y>%

<oo-pi-2y-lvr80-comp>%

3 year

<oo-pi-3y>%

<oo-pi-3y-lvr80-comp>%

5 year

<oo-pi-5y>%

<oo-pi-5y-lvr80-comp>%

1 year

<oo-pi-1y-lvr85>%

<oo-pi-1y-lvr85-comp>%

2 year

<oo-pi-2y-lvr85>%

<oo-pi-2y-lvr85-comp>%

3 year

<oo-pi-3y-lvr85>%

<oo-pi-3y-lvr85-comp>%

5 year

<oo-pi-5y-lvr85>%

<oo-pi-5y-lvr85-comp>%

Fixed Interest only (IO) with a with a

Fixed
‍Interest only (IO) with a with a

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Term

Interest rate p.a.

Comparison rate p.a.¹

1 year

<oo-io-1y>%

<oo-io-1y-lvr60-comp>%

2 year

<oo-io-2y>%

<oo-io-2y-lvr60-comp>%

3 year

<oo-io-3y>%

<oo-io-3y-lvr60-comp>%

5 year

<oo-io-5y>%

<oo-io-5y-lvr60-comp>%

1 year

<oo-io-1y>%

<oo-io-1y-lvr70-comp>%

2 year

<oo-io-2y>%

<oo-io-2y-lvr70-comp>%

3 year

<oo-io-3y>%

<oo-io-3y-lvr70-comp>%

5 year

<oo-io-5y>%

<oo-io-5y-lvr70-comp>%

1 year

<oo-io-1y>%

<oo-io-1y-lvr80-comp>%

2 year

<oo-io-2y>%

<oo-io-2y-lvr80-comp>%

3 year

<oo-io-3y>%

<oo-io-3y-lvr80-comp>%

5 year

<oo-io-5y>%

<oo-io-5y-lvr80-comp>%

Fixed • Principal and interest (P&I) with a

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Loan to Value Ratio (LVR)

Interest rate p.a.

Comparison rate p.a.¹

1 year

<inv-pi-1y>%

<inv-pi-1y-lvr60-comp>%

2 year

<inv-pi-2y>%

<inv-pi-2y-lvr60-comp>%

3 year

<inv-pi-3y>%

<inv-pi-3y-lvr60-comp>%

5 year

<inv-pi-5y>%

<inv-pi-5y-lvr60-comp>%

1 year

<inv-pi-1y>%

<inv-pi-1y-lvr70-comp>%

2 year

<inv-pi-2y>%

<inv-pi-2y-lvr70-comp>%

3 year

<inv-pi-3y>%

<inv-pi-3y-lvr70-comp>%

5 year

<inv-pi-5y>%

<inv-pi-5y-lvr70-comp>%

1 year

<inv-pi-1y>%

<inv-pi-1y-lvr80-comp>%

2 year

<inv-pi-2y>%

<inv-pi-2y-lvr80-comp>%

3 year

<inv-pi-3y>%

<inv-pi-3y-lvr80-comp>%

5 year

<inv-pi-5y>%

<inv-pi-5y-lvr80-comp>%

Fixed • Interest only (IO) with a

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Term

Interest rate p.a.

Comparison rate p.a.¹

1 year

<inv-io-1y>%

<inv-io-1y-lvr60-comp>%

2 year

<inv-io-2y>%

<inv-io-2y-lvr60-comp>%

3 year

<inv-io-3y>%

<inv-io-3y-lvr60-comp>%

5 year

<inv-io-5y>%

<inv-io-5y-lvr60-comp>%

1 year

<inv-io-1y>%

<inv-io-1y-lvr70-comp>%

2 year

<inv-io-2y>%

<inv-io-2y-lvr70-comp>%

3 year

<inv-io-3y>%

<inv-io-3y-lvr70-comp>%

5 year

<inv-io-5y>%

<inv-io-5y-lvr70-comp>%

1 year

<inv-io-1y>%

<inv-io-1y-lvr80-comp>%

2 year

<inv-io-2y>%

<inv-io-2y-lvr80-comp>%

3 year

<inv-io-3y>%

<inv-io-3y-lvr80-comp>%

5 year

<inv-io-5y>%

<inv-io-5y-lvr60-comp>%

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Our key home loan fees

Here are some of the key fees you might pay with each loan. Depending on how you use your loan, you may have to pay other fees and charges.

Loan advance fee

To prepare your loan documents and arrange settlement of the loan.

Valuation fee

We’ll cover the first valuation up to $360.

Annual fee

To manage accounts and any changes to your loan.

Rate lock (optional)

Lock in your fixed rate for 90 days from the application date.

Discharge fee

To discharge your property at your request.

Neat variable

$250

Free

up to $360

$300

per property

Explore

Own variable

$250

Free

up to $360

$250 p.a.

Covers up to 5 Flex split loans

$300

per property

Explore

Flex fixed

$250

Free

up to $360

$250 p.a.

Covers up to 5 Flex split loans

$500

$300

per property

Explore

Let's pass the mic to our lawyer

Read our Home Loan Terms.

Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements.

Home loan information and interest rates are subject to change.

¹Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet.

Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.

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