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Reduce the interest you pay on your loan by nominating a 100% offset account (conditions apply). You can redraw payments you’ve made in advance (minimum of $1,000) and further advances are available (conditions apply).

Key Features

  • 1 Year Fixed Rate (featured rate Owner Occupied P&I repayments) – also available as 2 year fixed rate and variable rate
  • Offset account available (conditions apply)
  • No monthly account keeping fees
  • Redraw facility available on variable rates
From 7.29 % PA
comparison rate 8.10 % PA 1
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Classic – Variable Rate Home Loan (Owner Occupied)

Interest Rates
Variable interest rate 7.29% pa
Comparison rate 8.10% pa
Principal and Interest
Standard Variable Rate 8.15% pa
Standard Comparison Rate 8.20% pa
Interest Only
Standard Variable Rate (Interest Only) 8.25% pa
Standard Comparison Rate (Interest Only) 8.30% pa
Fees
Online Redraw fee $0 2
Establishment fee $600
Redraw fee $20 2
Monthly fee $0
Annual fee $0
Features
Additional repayments accepted Yes
Repayment frequency Weekly, fortnightly, monthly
Offset account No
Minimum redraw amount $1,000
Interest only available Yes

Classic – Fixed Rate Home Loan (Owner Occupied)

Interest Rates
Fixed interest rate 7.29% pa 1
Comparison rate 8.10% pa 1
Principal and Interest
1 Year – Fixed Rate 7.29% pa
1 Year – Comparison Rate 8.10% pa
2 Year – Fixed Rate 7.44% pa
2 Year – Comparison Rate 8.05% pa
Interest Only
1 Year Fixed Rate – Interest Only 7.69% pa
1 Year Fixed Rate Comparison – Interest Only 8.23% pa
2 Year Fixed Rate – Interest Only 7.84% pa
2 Year Fixed Rate – Comparison (Interest Only) 8.21% pa
Fees
Establishment fee $600
Redraw fee $20 3
Monthly fee $0
Annual fee $0
Features
Additional repayments accepted Yes 4
Repayment frequency Weekly, fortnightly, monthly
Offset account No 5
Minimum redraw amount $1,000 3
Interest only available Yes

Fees, charges and lending criteria apply.

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 Reverts to standard variable Home Loan Rate for the product type after expiry of Fixed term.

2 You must be at least one months repayment in advance plus $1000 to obtain a redraw

3 From 1st October 2020 no redraw during fixed rate period

4 From 1st October additional repayments capped at $20,000

5 From 1st October 2020 no offset available during fixed rate period

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