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Home Loans Comparison Table

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Loan Type Variable Rate Home Loans Fixed Rate Home Loans
Description This loan would suit an owner-occupier who is looking for a loan with a variable rate subject to market fluctuations throughout the loan term. This loan would suit an owner-occupier who would like to lock in an fixed interest rate for 12 months. This loan then moves to the Standard Variable Rate Home Loan which is subject to market fluctuations throughout the loan term.
Minimum Deposit Required 5% 5%
Interest rates
Interest rates

Essential Low Rate Variable:
3.14% pa1 variable rate
3.19% pa2 comparison rate

1 Year Introductory Variable Rate:
2.30% pa3 variable rate
4.61% pa2 comparison rate

2 Year Introductory Variable Rate:
2.23% pa3 variable rate
4.38% pa2 comparison rate

3 Year Introductory Variable Rate:
2.13% pa3 variable rate
4.15% pa2 comparison rate

Base Variable Rate:
3.74% pa4 variable rate
3.79% pa2 comparison rate

Standard Variable Rate:
4.79% pa5 variable rate
4.85% pa2 comparison rate

Essential 1 Year Fixed Rate:
3.09% pa6 fixed rate
3.19% pa2 comparison rate

Essential 2 Year Fixed Rate:
3.19% pa6 fixed rate
3.20% pa2 comparison rate

Essential 3 Year Fixed Rate:
3.79% pa6 fixed rate
3.36% pa2 comparison rate

1 Year Fixed Rate:
3.29% pa7 fixed rate
4.70% pa2 comparison rate

2 Year Fixed Rate:
3.39% pa7 fixed rate
4.59% pa2 comparison rate

3 Year Fixed Rate:
3.99% pa7 fixed rate
4.63% pa2 comparison rate

Loan amounts and repayment terms
Minimum loan amount $20,000  $20,000 
Minimum term 1  1 
Maximum term 30  30 
Repayments
Early repayments without penalty Yes No. Break cost may apply
Fees
Monthly Account Keeping/service fees $0  $0 
Annual Fee $0  $0 

 

Loan Type Variable Rate Home Loans Fixed Rate Home Loans
Description This loan would suit an investor who is looking for a loan with a variable rate subject to market fluctuations throughout the loan term. This loan would suit an investor who would like to lock in an fixed interest rate for 12 months. This loan then moves to the Standard Variable Rate Home Loan which is subject to market fluctuations throughout the loan term.
Minimum Deposit Required 5% 5%
Interest rates
Interest rates

Essential Low Rate Variable:
3.14% pa1 variable rate
3.19% pa2 comparison rate

1 Year Introductory Variable Rate:
2.30% pa3 variable rate
4.61% pa2 comparison rate

2 Year Introductory Variable Rate:
2.23% pa3 variable rate
4.38% pa2 comparison rate

3 Year Introductory Variable Rate:
2.13% pa3 variable rate
4.15% pa2 comparison rate

Base Variable Rate:
3.74% pa4 variable rate
3.79% pa2 comparison rate

Standard Variable Rate:
4.79% pa5 variable rate
4.85% pa2 comparison rate

Essential 1 Year Fixed Rate:
3.09% pa6 fixed rate
3.19% pa2 comparison rate

Essential 2 Year Fixed Rate:
3.19% pa6 fixed rate
3.20% pa2 comparison rate

Essential 3 Year Fixed Rate:
3.79% pa6 fixed rate
3.36% pa2 comparison rate

1 Year Fixed Rate:
3.29% pa7 fixed rate
4.70% pa2 comparison rate

2 Year Fixed Rate:
3.39% pa7 fixed rate
4.59% pa2 comparison rate

3 Year Fixed Rate:
3.99% pa7 fixed rate
4.63% pa2 comparison rate

Loan amounts and repayment terms
Minimum loan amount $20,000  $20,000 
Minimum term 1  1 
Maximum term 30  30 
Repayments
Early repayments without penalty Yes No. Break cost may apply
Fees
Monthly Account Keeping/service fees $0  $0 
Annual Fee $0  $0 

 

1 Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $150,000 and up to 95% of property value.

2 Comparison rate based on a secured loan of $150,000 over 25 years. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

3 Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $250,000 and up to 95% of property value. At the end of the introductory period the interest rate reverts to our Standard Variable interest rate.

4 Lending criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $150,000 and up to 95% of property value.

5 Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $20,000 and up to 95% of property value.

6 Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $150,000 and up to 95% of property value. At the end of the fixed term, interest rate reverts to our Essential Low Rate variable rate.

7 Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $20,000 and up to 95% of property value. At the end of the fixed term, interest rate reverts to our Standard Variable interest rate.