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Loan Rates

Loan Rates

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View the rates our bank offers on loans. Apply Online Talk to us

Owner Occupied Home Loans - Download in PDF 

 

Principal & Interest and Interest Only
Owner Occupied Variable Home Loans Interest Rate Comparison Rate
First Rate Variable Special (LVR of 70% and below)1 2.53% pa 2.59% pa3
First Rate Variable Special (Above 70% LVR)1 2.63% pa 2.69% pa3
Tide You Over Home Equity (S33) 4.88% pa N/A

 

Principal & Interest Interest Only
Owner Occuped Variable Home Loans Interest Rate Comparison Rate Interest Rate Comparison Rate
First Rate  4.50% pa 4.56% pa3 4.24% pa 4.54% pa3
All in One - 2 Year Discount Variable^^ 3.10% pa 4.44% pa3 3.10% pa 4.50% pa3
All in One  4.66% pa 4.72% pa3 4.66% pa 4.70% pa3
All in One Rewards Package - $1 - $349,999^ 3.70% pa 4.07% pa3 3.70% pa 3.94% pa3
All in One Rewards Package - $350,000 - $749,999^ 3.60% pa 3.97% pa3 3.60% pa 3.84% pa3
All in One Rewards Package - $750,000+^ 3.55% pa 3.92% pa3 3.55% pa 3.79% pa3

 

Principal & Interest and Interest Only
Owner Occupied First Home Buyer First Rate Variable Special Home Loans2 Interest Rate Comparison Rate
First Home Buyer First Rate Variable Special (LVR of 70% and below) 2.28% pa 2.28% pa3
First Home Buyer First Rate Variable Special (Above 70% LVR) 2.38% pa 2.38% pa3
  Principal & Interest Interest Only
Owner Occupied First Home Buyers Fixed Rate Home Loans2 Interest Rate Comparison Rate Interest Rate Comparison Rate
Fixed 1 Yeara 1.84% pa 2.33% pa3 3.48% pa 2.47% pa3
Fixed 2 Yeara 3.04% pa 2.49% pa3 3.83% pa 2.62% pa3
Fixed 3 Yeara 3.69% pa 2.71% pa3 4.18% pa 2.82% pa3
Fixed 5 Yeara 4.39% pa 3.18% pa3 4.79% pa 3.31% pa3
  Principal & Interest Interest Only
Owner Occupied Fixed Rate Home Loans Interest Rate Comparison Rate Interest Rate Comparison Rate
Fixed 1 Yearb 2.49% pa 4.39% pa3 3.63% pa 4.50% pa3
Fixed 2 Yearb 3.29% pa 4.36% pa3 4.08% pa 4.50% pa3
Fixed 3 Yearb 3.94% pa 4.43% pa3 4.43% pa 4.56% pa3
Fixed 5 Yearb 4.64% pa 4.64% pa3 5.04% pa 4.79% pa3

Investment Home Loans - Download in PDF

 

Principal & Interest Interest Only
Investment Variable Rate Home Loans Interest Rate Comparison Rate Interest Rate Comparison Rate
First Rate Variable Special# 3.24% pa 3.30% pa3 3.54% pa 3.41% pa3
First Rate  4.88% pa 4.94% pa3 5.39% pa 5.15% pa3
All in One - 2 Year Discount Variable^^ 3.79% pa 4.87% pa 4.24% pa 4.95% pa3
All in One  5.04% pa 5.10% pa3 5.55% pa 5.31% pa3
All in One Rewards Package - $1 - $349,999^ 4.45% pa 4.81% pa3 4.95% pa 5.28% pa3
All in One Rewards Package - $350,000 - $749,999^ 4.35% pa 4.71% pa3 4.85% pa 5.18% pa3
All in One Rewards Package - $750,000+^ 4.30% pa 4.66% pa3 4.80% pa 5.05% pa3

 

  Principal & Interest Interest Only
Investment Fixed Rate Home Loans Interest Rate Comparison Rate Interest Rate Comparison Rate
Fixed 1 Year 2.89% pa 4.77% pa3 3.09% pa 4.79% pa3
Fixed 2 Year 3.49% pa 4.71% pa3 3.69% pa 4.74% pa3
Fixed 3 Year 4.09% pa 4.75% pa3 4.29% pa 4.80% pa3
Fixed 5 Year 4.89% pa 4.97% pa3 5.09% pa 5.04% pa3

Personal Lending

Loan Type Interest Rate Comparison Rate
Premium Personal Loan* 8.24% pa 8.45% pa5
Personal Loan Variable (L1) 10.24% pa 10.79% pa5
Personal Loan Fixed (L3) 10.24% pa 10.79% pa5
Overdraft (S1) 15.47% pa N/A
Credit Card (S10) 10.24% pa4 N/A
Credit Card (S10) Introductory Rate 8.24% p.a for the first 6 months 4 N/A
Consolidator Loan (L8) 14.24% pa 14.79% pa5

 

Car Loans 

Up to 3 years old   
Loan Type Interest Rate Comparison Rate
Variable Car Loan 6.24% pa 6.92% pa6
Fixed Car Loan  8.24% pa 8.92% pa6
Variable Car Loan Packaged** 4.74% pa 5.43% pa6
Fixed Car Loan Packaged** 6.74% pa 7.42% pa6

Greater than 3 years and up to 7 years  
Loan Type Interest Rate Comparison Rate
Variable Car Loan 8.24% pa 8.92% pa6
Fixed Car Loan  10.24% pa 10.92% pa6
Variable Car Loan Packaged** 6.74% pa 7.42% pa6
Fixed Car Loan Packaged** 8.74% pa 9.42% pa6

Special Purpose Loan

Contact us for a wide range of special purpose loans:

  • Reverse Mortgages
  • Leasing

Rates available on request.

 

Credit eligibility criteria, terms and conditions, fees and charges apply.
* Available to members who have an existing home loan, are home owners or have a term deposit of $20,000 or more.
** Only available to members with an All in One Home Loan Rewards PACKAGE

1. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $150,000 to their existing home loan balance. Minimum loan amount $150,000. Loan to Value Ratio (LVR), is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.
2. Only available for First Home Buyers. Minimum home loan balance $150,000. Not available for top-ups or internal product switches. Loan to Value Ratio(LVR), is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.
3. Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.
4. Low introductory rate of 8.24% p.a. is for purchases and balance transfers for the first 6 months. After the 6 months the rate reverts to our standard credit card rate which is currently 10.24% p.a.
5. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for unsecured loans only.
6. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for secured loans only.

WARNING: These Comparison Rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate. Interest rates are on a per annum basis. Eligibility criteria, terms and conditions, fees and charges apply.

^The Rewards PACKAGE can be added for existing All In One Home Loan members who add an additional minimum $100,000 to their existing Home Loan balance.
^^An interest rate discounts of 1.56%p.a. (Owner Occupied) or 1.25%p.a. (Investment) is applied to the All in One variable rate for 2 years from the date of settlement after which time the rate will revert to the then current All in One variable rate. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $100,000 to their existing Home Loan balance. Minimum Home Loan amount $150,000.
#Only available for new home loans and refinances from competitors. Minimum home loan balance $150,000. Not available for internal product switches.

a. After fixed period interest rate reverts to First Home Buyer Variable Rate Special dependant on LVR.
b. After fixed period interest rate reverts to First Rate Variable Rate.