With our Reward Me Home Loan, we keep our rates low so you could keep more money in your pocket
Category: Home Loans Last Updated July 23, 2024 Effective December 18, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Principal & Interest, Owner Occupied, special (for new applications with total new borrowings of $300,000 or more and up to 60% LVR) for 3 Years
Interest Rate 6.49% PA
Comparison Rate 6.60%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
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Amount
Minimum: $300000.00 Maximum: $
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.70%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Amount
Minimum: $300000.00 Maximum: $
Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.89%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.92%, Comparison Rate 7.02%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.14%, Comparison Rate 6.84%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR
Minimum: 90.01 PERCENT Maximum: PERCENT
Lending Rate Type: Fixed
Interest Rate: 8.60%, Comparison Rate 8.88%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.64%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.72%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Lending Rate Type: Fixed
Interest Rate: 7.73%, Comparison Rate 7.16%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.81%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 8.15%, Comparison Rate 7.45%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.79%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 6.82%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR
Minimum: 90.01 PERCENT Maximum: PERCENT
Lending Rate Type: Fixed
Interest Rate: 8.49%, Comparison Rate 8.92%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Amount
Minimum: $300000.00 Maximum: $
Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 6.92%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Amount
Minimum: $300000.00 Maximum: $
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.61%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.14%, Comparison Rate 6.98%
Repayment Type: Interest Only
Loan Purpose: Investment
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.73%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR
Minimum: 90.01 PERCENT Maximum: PERCENT
Lending Rate Type: Fixed
Interest Rate: 8.62%, Comparison Rate 8.93%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.79%
Repayment Type: Interest Only
Loan Purpose: Investment
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.85%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 8.01%, Comparison Rate 7.02%
Repayment Type: Interest Only
Loan Purpose: Investment
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.60%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 90.01 PERCENT Maximum: PERCENT
Lending Rate Type: Fixed
Interest Rate: 8.33%, Comparison Rate 8.79%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.77%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 7.39%, Comparison Rate 7.01%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 7.83%, Comparison Rate 7.11%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Lending Rate Type: Fixed
Interest Rate: 7.93%, Comparison Rate 7.24%
Repayment Type: Interest Only
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.69%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Amount
Minimum: $300000.00 Maximum: $
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.74%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Amount
Minimum: $300000.00 Maximum: $
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.76%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 7.66%, Comparison Rate 6.95%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 7.67%, Comparison Rate 7.05%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 7.19%, Comparison Rate 6.86%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 6.93%
Repayment Type: Interest Only
Loan Purpose: Investment
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 6.88%
Repayment Type: Interest Only
Loan Purpose: Investment
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.63%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.68%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Amount
Minimum: $300000.00 Maximum: $
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.79%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 7.95%, Comparison Rate 7.35%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 8.10%, Comparison Rate 7.34%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Amount
Minimum: $300000.00 Maximum: $
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.85%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Fixed
Interest Rate: 7.92%, Comparison Rate 7.13%
Repayment Type: Interest Only
Loan Purpose: Investment
Amount
Minimum: $300000.00 Maximum: $
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.82%
Repayment Type: Interest Only
Loan Purpose: Investment
Product Features
OtherAdditional Information: Our Reward Me Home Loan comes with a Home Loan Companion Account that we'll open for you. The Companion Account will make it easier to make repayments and pay any fees and charges. Plus, you can use the account to offset the interest on your variable rate home loan or when you revert to a variable rate to help you pay the loan off sooner.
OtherAdditional Information: Additional repayment up to $10,000 per annum allowed on all fixed rate terms.
OtherAdditional Information: You can split and keep a portion of your borrowings with a variable rate to retain more flexibility. That way you'll have some protection if rates rise during your fixed rate period, but maintain some flexibility with the variable portion of your loan to make extra repayments or access funds through redraw if things change
OtherAdditional Information: Ask us to lock in a rate at the time of application for up to 100 days to protect yourself from any potential rate rises until the lending date. Fees and charges apply.
Product Eligibility
OtherAdditional Information: Multiple applicants and guarantors
Natural PersonAdditional Information: Individual and joint personal applicants, no companies or trusts
OtherAdditional Information: Constructon of residential property
OtherAdditional Information: Applicants with PAYG income
OtherAdditional Information: Purchase or refinance of residential property
OtherAdditional Information: Purchase of vacant land & construction (home & land package
Cheque Dishonour Fee (Event), Amount: 15.0000. Additional Information: $15 for each item. Banking of cheques only available at settlement.
Settlement Fee (Upfront), Amount: 150.0000. Additional Information: Payable for completing settlement of your loans
Notice To Tenant Requiring Vacant Possession Fee (Event), Amount: 10.0000.
Application Fee (Upfront), Amount: 300.0000. Additional Information: Payable for processing application of your loans. Charged at settlement
Call Fee (Event), Amount: 50.0000. Additional Information: Charged whenever we visit you after a default has occurred.
Rate Lock Fee (Event), Amount: Not Listed.. Additional Information: 0.15% of fixed rate loan amount. Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period.
Home Loan Fee (Periodic), Amount: 10.0000. Additional Information: Charged to each loan account on every repayment date (monthly)
Power Of Sale Notice Fee (Event), Amount: 10.0000.
Mortgagee Sale Fee (Event), Amount: 400.0000. Additional Information: Charged for each property we hold as security for a loan facility where the lender commences mortgagee sale procedures (whether or not a sale is completed).
Legal Review Fees - Standard (Event), Amount: 350.0000. Additional Information: Payable for each document that the Lender is required to review, amend or prepare and which is categorised by the Lender as a standard document. A standard document may include but is not limited to: - review of a consent document, power of attorney or a caveat; or - amendment or preparation of a consent document, deed of covenant, confidentiality agreement,cross guarantee and indemnity, deed of subordination, fixed charge or a deed of priority.
Break Cost Admin Fee (Event), Amount: 50.0000. Additional Information: Payable when we break your fixed rate contract. This fee is payable regardless of whether a break cost is incurred or not
Default Fee (Event), Amount: 30.0000. Additional Information: Payable 10 days after a repayment date if you have not paid your repayment or any other payment in full on or before that repayment date.
Valuation Fee (Event), Amount: 0.0000. Additional Information: First Valuation - Free. Any further valuation will be charged for. The amount of the fee, will be the fee charged by the appointed Valuer and will vary depending on the location and value of the property
Demand Notice Fee (Event), Amount: 10.0000.
Legal Review Fees - Complex (Event), Amount: 500.0000. Additional Information: Payable for each document that the Lender is required to review, amend or prepare and which is categorised by the Lender as a complex document. A complex document may include, but is not limited to: - agreements/deeds; or - amendment or preparation of a mortgage over lease, right of entry, mortgagee�s consent to lease.
Break Costs (Variable), Amount: Not Listed.. Additional Information: At cost. Actual break cost amount will depend on the cost incurred by the Lender. The amount is calculated in accordance with your loan agreement and may be payable if: A fixed rate period is broken (by you paying out the loan or changing loan types or as aconsequence of a default causing the full amount of the loan to fall due for payment); or You pay more than the total of your elected repayments plus $10,000 in any 12 month periodduring your fixed rate period; or A Break Cost event occurs and we make a loss from re-arranging our funding.
