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Loan Interest Rates

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Home and Investment Loans

Loan Type  Interest Rate  Comparison Rate
Construction Loan Owner Occupied 4.85% pa 4.93% pa
Interest Only Home Loan 5.25% pa 5.33% pa
Bridging Home Loan 5.25% pa 5.33% pa

 

Variable Home Loans1 Interest Rate  Comparison rate
Discounted Variable (for first 12 Months)2 3.85% pa 4.83% pa
Standard Variable  4.85% pa 4.93% pa
Non Standard Variable 5.24% pa 5.31% pa
Premium Home Loan with 100% Offset 5.24% pa 5.31% pa

 

Fixed Rate Home Loans3 Interest Rate  Comparison rate4
1 Year Fixed (Standard) 4.15% pa 4.86% pa
2 Year Fixed (Standard) 4.25% pa 4.82% pa
3 Year Fixed (Standard) 4.35% pa 4.79% pa
1 Year Fixed (Non-Standard) 4.54% pa 5.24% pa
2 Year Fixed (Non-Standard) 4.64% pa 5.19% pa
3 Year Fixed (Non-Standard) 4.74% pa 5.17% pa

 

Car Loans

Secured (minimum $5,000) Interest Rate  Comparison Rate5
New Car Loan 5.99% pa 6.24% pa
Car Loan (up to 3 years old) 6.99% pa 7.24% pa
Car Loan (over 3 years old) 7.99% pa 8.24% pa

 

Unsecured  (minimum $5,000) Interest Rate  Comparison Rate5
New Car Loan 7.77% pa 8.03% pa
Car Loan (up to 3 years old) 8.88% pa 9.15% pa
Car Loan (over 3 years old) 9.99% pa 10.26% pa

 

Personal Loans

Loan Type $2,000 - $4,999 Interest Rate  Comparison Rate6
Home Owner (Secured) 15.50% pa 24.18% pa
Non Home Owner (Previous Family First Borrower) 16.50% pa 25.22% pa
Non Home Owner (First Time Borrower) 18.50% pa 27.29% pa

 

Loan Type $5,000 - $30,000 Interest Rate  Comparison Rate7
Home Owner (Secured) 12.50% pa 13.91% pa
Non Home Owner (Previous Family First Borrower) 14.00% pa 15.43% pa
Non Home Owner (First Time Borrower) 16.00% pa 17.44% pa

 

Overdrafts8

Loan Type  Interest Rate 
Mortgage Secured Overdraft (minimum $5,000) 5.60% pa  to 5.74% pa9
Secured Overdraft (minimum $5,000) 5.6% pa
Unsecured Overdraft ($500 - $1,999) 16.00% pa

 

Unsecured Overdraft ($2,000 and over) Interest Rate

Home Owner 

12.50% pa
Non Home Owner (Previous Family First Borrower) 14.00% pa

Non Home Owner (First Time Borrower)

18.50% pa

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1. Interest Only option available, Redraw available, Mortgage Offset available on application. 2. This product is guaranteed to be 1.00% p.a. under the standard variable mortgage rate for a period of 12 months. 3. Split Option. No Redraw available. 4. Comparison rate is based on a $150,000 Secured Home or Investment loan over a 25 year period. A $175 Loan Establishment Fee is payable on settlement. 5. Comparison rate is based on a typical secured Car Loan of $30,000 over 5 years. A $175 Loan Establishment Fee is payable upon settlement. 6. Comparison rate is based on a typical Personal Loan of $2,500 over 2 years. A $175 Loan establishment Fee is payable upon settlement. 7. Comparison rate is based on a typical Personal Loan of $10,000 over 3 years. A $175 Loan establishment Fee is payable upon settlement. 8. A $75 Loan Establishment Fee is payable upon Settlement. 9. Comparison rate based on a typical Assignment of savings secured loan of $30,000 over 5 years. A $175 Loan Establishment Fee is payable upon settlement.