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Category: Home Loans Last Updated September 19, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information with Offset Account
Interest Rate 5.54% PA
Comparison Rate 6.02%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
OWNER_OCCUPIED, VARIABLE, 5.94%
Lending Rate Type: Variable
Interest Rate: 5.94%, Comparison Rate 5.95%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 7.09%
Lending Rate Type: Variable
Interest Rate: 7.09%, Comparison Rate 6.57%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 7.09%
Lending Rate Type: Variable
Interest Rate: 7.09%, Comparison Rate 6.47%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.84%
Lending Rate Type: Fixed
Interest Rate: 5.84%, Comparison Rate 6.09%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.54%
Lending Rate Type: Fixed
Interest Rate: 5.54%, Comparison Rate 6.02%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.94%
Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 6.09%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.16%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.17%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.84%
Lending Rate Type: Fixed
Interest Rate: 5.84%, Comparison Rate 5.98%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.54%
Lending Rate Type: Fixed
Interest Rate: 5.54%, Comparison Rate 5.91%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.94%
Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 5.98%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.06%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.16%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.17%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.20%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.29%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.33%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.05%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.06%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.09%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.19%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.23%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
INVESTMENT, VARIABLE, 6.29%
Lending Rate Type: Variable
Interest Rate: 6.29%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.29%
Lending Rate Type: Variable
Interest Rate: 6.29%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.54%
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.50%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.54%
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.40%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.37%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.36%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.27%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.14%
Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.25%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.32%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.41%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.39%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.38%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.45%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.46%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.30%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.28%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.28%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.35%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.36%
Repayment Type: Interest Only
Loan Purpose: Investment
Product Features
RedrawAdditional Information: Online redraw available
OtherAdditional Information: Unlimited additional repayments if variable, up to $20,000pa when fixed
OtherAdditional Information: Variable or Fixed Rate
OffsetAdditional Information: 100% Offset Account available on Fixed and Variable rate loans
Product Eligibility
Min Age - 18.
Bank Fees and Charges
Legal Fees For Establishing The loan (Variable), Amount: Not Listed.. Additional Information: Payable for services including the preparation of the security documents and/or attending to settlement on our behalf and/or conducting all title search enquiries necessary to effect settlement. This fee is payable on the Settlement Date
Monthly Administration Fee (no Offset) (Periodic), Amount: 0.00.
Direct Debit Dishonour Fee (Event), Amount: 10.00. Additional Information: When there are insufficient funds in your account to cover a direct debit, this fee is charged
Fixed Rate Break Costs (Variable), Amount: Not Listed.. Additional Information: Break costs may be payable in certain circumstances during a fixed rate term, such as: converting to another annual percentage rate; or Prepaying part (currently more than $20,000 p.a) or all of the outstanding loan
Arrears Administration Fee (Event), Amount: 35.00. Additional Information: This fee is debited to your Home Loan Account when you are in arrears. This fee is debited to your Home Loan Account every 28 days thereafter for so long as you remain in arrears.
Loan Processing Fee (Variable), Amount: 150.00. Additional Information: This fee is paid for us to prepare loan documentation necessary to enable the home loan to settle. This fee is only applicable to existing Tiimely customers who are making changes to their lending that cannot be offered directly through Tiimely.
Additional Processing Fee Per Split Loan (Event), Amount: 0.00.
Subsequent Valuation Fee (Variable), Amount: 0.00. Additional Information: Subsequent valuation fee - Payable for a valuation performed as the result of your request for us to deal with a security after settlement
Online Redraw Fee (Event), Amount: 0.00.
Repayment Recalculation Fee (Event), Amount: 50.00. Additional Information: This fee is charged each time you request that we agree to a decrease in your repayments
Loan Variation Fee - Simple (Event), Amount: 150.00. Additional Information: This fee is charged if you apply for us to: Vary your existing contract, Convert to another annual percentage rate, Agree to a request to a consent or change of borrower details, Release or substitute a security (a discharge administration fee may also be payable)
Loan Variation Fee - Complex (Event), Amount: 300.00. Additional Information: Payable when we agree to: • Increase your amount of credit or • a transfer subject to mortgage or subsequent mortgage or • a sub division
Discharge Administration Fee (Event), Amount: 325.00. Additional Information: Payable for each security attached to a home loan that we partially or fully discharge at your request.
Offset Admin Fee (Periodic), Amount: 10.00.
Manual Redraw Fee (Event), Amount: 50.00. Additional Information: Payable when you redraw all or part of any repayments made on your loan (minimum $1).
Bridging Loan (Upfront), Amount: 295.00.
Construction (Upfront), Amount: 295.00.
Bridging & Construction (Upfront), Amount: 440.00.
Loan Variation Fee (Event), Amount: 150.00. Additional Information: This fee is charged if you apply to us to vary an existing contract before settlement occurs.
Limitations & Restrictions (Constraints)
Min Limit of 10.000 Additional Information: Ten Thousand
