Category: Home Loans Last Updated December 4, 2024 Effective December 31, 2018
General Lending Rates
Rates listed below are for a FIXED Owner Occupied Interest Only product. Additional Information
Interest Rate 6.24% PA
Comparison Rate 8.73%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..
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 9.05%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
LVR <95%
Minimum: 0.001 PERCENT Maximum: 0.95 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 8.80%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 8.73%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
LVR <95%
Minimum: 0.001 PERCENT Maximum: 0.95 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 8.55%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 8.53%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
LVR <95%
Minimum: 0.001 PERCENT Maximum: 0.95 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 8.12%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 8.16%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.65%, Comparison Rate 9.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 9.50%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 9.13%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 9.13%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 8.83%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 8.84%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.44%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.47%
Repayment Type: Interest Only
Loan Purpose: Investment
Product Features
OtherAdditional Information: Rate certainty, set your rate for a term of 1,2,3 or 5 years
Digital Banking
OtherAdditional Information: Ability to set up automated repayments
OtherAdditional Information: Guaranteed Rate to secure your fixed rate for 90 days following your application
OtherAdditional Information: The choice of Interest Only repayments for a maximum period of five years and subject to you satisfying applicable bank criteria (Interest Only term must match Fixed Rate term)
OtherAdditional Information: Phone Banking
Product Eligibility
OtherAdditional Information: Home Loans provided to approved applicants only. Credit and lending criteria applies and is subject to change without notice
Bank Fees and Charges
Arrears Administration Fee (Event), Amount: 20.00. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs.
Copy Of Documents Fee (Event), Amount: 35.00. Additional Information: Payable if we are required to obtain a copy of a document, including Mortgage or title search.
Additional Valuation Fee (Event), Amount: 150.00. Additional Information: The first valuation assessment for each loan application is provided by the Bank. If any additional valuation assessments that involve a physical inspection are obtained by us for assessing the loan security, than this fee will apply.
Guarantor Fee (Event), Amount: 200.00. Additional Information: Applies if a guarantor is included in the loan. Fee is per guarantor.
Renegotiation Fee (Event), Amount: 300.00. Additional Information: Payable when you request a change to the Credit Contract or Security and this change is completed.
Loan Finalisation Fee (Event), Amount: 350.00. Additional Information: Applies when a loan is paid out in full, This includes settlements, refinances and payouts.
Default Interest (Event), Amount: Not Listed.. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs.
Monthly Account Keeping Fee (Periodic), Amount: 10.00. Additional Information: Please refer to your Credit Contract for detail on when Ongoing Fees are charged.
Early Payment Interest Adjustment (epia) (Variable), Amount: Not Listed.. Additional Information: Charged when you, (a) Payout the loan during a Fixed Rate period (b) Pay more than the agreed monthly amount (c) Vary or break out of a Fixed Rate period.
Establishment Fee (Upfront), Amount: 600.00. Additional Information: Applies to loans where borrowings are less than 90% of the property value
Establishment Fee (Upfront), Amount: 990.00. Additional Information: Applies to loans where borrowings are greater than or equal to 90% of the property value
Limitations & Restrictions (Constraints)
Min Limit of 10000.00 Additional Information: Minimum Loan Balance of $10,000
Max Limit of 3750000.00 Additional Information: Maximum Loan Balance of $3,750,000
