Fees, charges and lending criteria apply for all loans and credit cards. Please refer to Terms and conditions before applying for any product.

Key fact sheet

Click here to generate a home loan key facts sheet for specific information relating to the loan – including interest rate, repayments and fees. You can use this to compare other products on the market.

Terms & Conditions

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant Terms and Conditions, any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

Interest rates on this page are current as at 6 March 2025 and subject to change.

¹ Variable interest rates shown are for loans with a Loan to Value Ratio (LVR) of greater than 70% but less than or equal to 80%. Available for new loans only. The rate includes a discount off the standard variable rate.

² Comparison Rate is based on a secured loan $150,000 over a term of 25 years with monthly repayments. Available for new loans only. The rate includes a discount off the standard variable rate. WARNING: the Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Normal lending criteria apply. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

³ 10% discount includes all other retail discounts and is only available to new customers paying by direct debit. This discount is not available through health insurance brokers or comparators. Not to be used in conjunction with any other offer or discount. Excludes Overseas Visitors Cover. Health insurance is issued by Australian Unity Health Limited ABN 13 078 722 568.

⁴ Eligibility criteria, terms and conditions apply to AU Redraw. Redraw is not available on any fixed rate interest period.

⁵ Fixed Rate Home Loans aren’t for everyone. For more information on fixed rate loans and break costs click here.

⁶Construction loan fee will apply. This fee includes property valuations and a certain number of progress payments. Any additional progress payments required will incur additional fees. Please refer to the loan fee schedule for more information.

⁷Lenders Mortgage Insurance will apply to loans with an LVR >80%. Refer to the loan fee schedule for more information.

⁸Fees and charges may apply. Refer to the loan fee schedule for more information.

*Free self serve redraw refers to self serve redraw performed through internet banking or the mobile banking app. Staff assisted redraw will incur a fee. Please refer to the loan fee schedule for more details. Available on variable loans only.

What is a Comparison Rate? To find out more click here.

Fees and Charges  Refer to Fees and Charges for information on current fees and charges.

Our Target Market Determinations are available here.