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RBA Cash Rate: 4.10% · 1AUD = 0.63 USD · Inflation: 2.4%

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Example Interest Rates: Home Loan Variable: 5.13% (5.89%*) • Home Loan Fixed: 4.99% (5.91%*) • Fixed: 4.99% (5.91%*) • Variable: 5.13% (5.89%*) • Investment IO: 5.64% (6.42%*) • Investment PI: 4.99% (5.91%*)

Flexible Choice Investment

Flexible Choice Investment

Category: Home Loans Last Updated March 4, 2025 Effective March 21, 2025

General Lending Rates

Rates listed below are for a FIXED INVESTMENT P&I product. Additional Information

Interest Rate
5.90% PA

Comparison Rate
6.92%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..

<=80% LVR

Minimum: 1 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.90%, Comparison Rate 6.92%
Repayment Type: Principal And Interest
Loan Purpose: Investment

<=80% LVR

Minimum: 1 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.90%, Comparison Rate 6.82%
Repayment Type: Principal And Interest
Loan Purpose: Investment

<=80% LVR

Minimum: 1 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.90%, Comparison Rate 6.72%
Repayment Type: Principal And Interest
Loan Purpose: Investment

<=80% LVR

Minimum: 1 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.50%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Investment

<=80% LVR

Minimum: 1 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.75%, Comparison Rate 6.93%
Repayment Type: Principal And Interest
Loan Purpose: Investment

<=80% LVR

Minimum: 1 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Introductory
Interest Rate: 6.39%, Comparison Rate 6.92%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Product Features

Redraw

Offset

Product Eligibility

Min Age - 18.

Bank Fees and Charges

Home Loan Application Fee - New Applications (Event), Amount: 600.00.

Loan Discharge Fee Registration Or Settlement (Event), Amount: 250.00. Additional Information: Plus out of pocket expenses

Home Loan Top Up Fee Existing Loan (Event), Amount: 300.00.

Loan Redraw Facility Fee Online (Transaction), Amount: 10.00.

Loan Redraw Facility Fee Over Counter (Transaction), Amount: 20.00.

Loan Substitution Of Property Mortgage Fee (Upfront), Amount: 300.00.

Loan Valuation Fee (Variable), Amount: 0.00.

Loan Variation Fee (Event), Amount: 600.00.

Loan Legal Fees, Valuations, Surveys, And Settlement Fees (Variable), Amount: 0.00.

Fixed Rate Lock In Fee (Upfront), Amount: Not Listed.. Additional Information: borrowed amount

Loan Offset Service Fee (Periodic), Amount: 6.00.

Mortgage Offset Fee (Periodic), Amount: 6.00.

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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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