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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 | 4.85% 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.