Home 
Rates and Fees Loan Interest Rates
Rates and Fees Loan Interest Rates
Loan Interest Rates
Home and Investment Loans
| Loan Type | Interest Rate | Comparison Rate |
| Construction Loan Owner Occupied | 4.05% pa | 4.12% pa |
| Interest Only Home Loan | 4.90% pa | 5.07% pa |
| Bridging Home Loan | 4.05% pa | 4.12% pa |
| Variable Home Loans1 | Interest Rate | Comparison rate |
| Discounted Variable (for first 12 Months)2 | 3.05% pa | 4.03% pa |
| Standard Variable | 4.05% pa | 4.12% pa |
| Fixed Rate Home Loans3 | Interest Rate | Comparison rate4 |
| 1 Year Fixed | 2.9% pa | 4.12% pa |
| 2 Year Fixed | 3.69% pa | 4.50% pa |
| 3 Year Fixed | 3.79% pa | 4.45% pa |
Car Loans
| Secured (minimum $5,000) | Interest Rate | Comparison Rate5 |
| New Car Loan | 5.99% pa | 6.27% pa |
| Car Loan (up to 3 years old) | 6.99% pa | 7.27% pa |
| Car Loan (over 3 years old) | 7.99% pa | 8.27% 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) |
16.00% pa |
Useful Links and Tools
Questions?
If you have any questions, please contact us. enquire now
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 $200 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 $200 Loan Establishment Fee is payable upon settlement. 6. Comparison rate is based on a typical Personal Loan of $2,500 over 2 years. A $200 Loan Establishment Fee is payable upon settlement. 7. Comparison rate is based on a typical Personal Loan of $10,000 over 3 years. A $200 Loan establishment Fee is payable upon settlement. 8. A $200 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 $200 Loan Establishment Fee is payable upon settlement.