RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.48%*) • Investment PI: 5.39% (6.59%*)

  Investment-Package I.O. Home Loan

Our Interest Only Ultimate Home Loan Package bundles your home loan, an everyday account & our low rate credit card. Includes establishment fee waivers on personal loans, no annual fee on a visa credit card and access to discounted general insurance.
Category: Home Loans  Last Updated October 10, 2024  Effective November 1, 2024

 General Lending Rates

Rates listed below are for a FIXED INVESTMENT Interest Only product. Additional Information Special 2 Year Fixed Package Rate (<80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.3% discount off the Standard Variable Rate.
Interest Rate
5.79% PA
Comparison Rate
6.65%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..
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 8.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 8.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 8.18%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 8.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.94%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.84%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.39%
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.19%
  • Lending Rate Type: Variable
  • Interest Rate: 6.19%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 8.59%
  • Lending Rate Type: Variable
  • Interest Rate: 8.59%, Comparison Rate 8.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Digital Banking
  • Offset
  • Other Additional Information: Discounted variable or fixed interest rate on residential investment loans. Available for interest only repayments to approved applicants.
  • Other Additional Information: Payments can be arranged weekly, fortnightly or monthly.
  • Other Additional Information: Loan Terms up to 30 Years.
  • Other Additional Information: 10% discount on home and contents insurance through our insurance partner for the first year.
  • Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI).
  • Other Additional Information: Home Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.
  • Other Additional Information: Personal Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.
  • Redraw

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI) or up to 90% where LMI is approved
  • Residency Status - Loans Are Available To Members Of The Bank Who Are Permanent Residents Of Australia And Currently Live In Australia..

 Bank Fees and Charges

  • Package Fee (Periodic), Amount: 395.00. Additional Information: Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date. If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged.
  • Other Credit Fees (Event), Amount: 0.00. Additional Information: Refer to our Fees and Charges brochure for information on other fees and charged which may apply.

 Limitations & Restrictions (Constraints)

  • Min Limit of 100000.00 Additional Information: Available where total borrowings from the Bank are $100,000 and over.

 Document Downloads

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

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General Enquires: 1300 235 433 • Support: (02) 8765 8887
The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]
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