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You can apply online, by calling 13 11 82 or by visiting your nearest branch.
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    Key benefits of this loan

    Competitive variable interest rates
    No application or ongoing fees
    Flexible repayment frequency - pay weekly, fortnightly or monthly
    Redraw facility

    Rates

    Check out our Basic Variable Home Loan rates!
    View home loan rates
    Discount to the basic variable rate
    A discount to the basic variable interest rate (BVR).
    Interest rate with discount
    The resulting interest rate after the discount has been applied.
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    New Business Offer - Basic Variable Home Loan
    Principal and Interest
    Loan to Value Ratio (LVR) <70%
    Loan size $150,000+
    Apply online
    Discount to the basic variable rate
    A discount to the basic variable interest rate (BVR).
    % p.a.
    Interest rate with discount
    The resulting interest rate after the discount has been applied.
    % p.a.
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    % p.a.
    New Business Offer - Basic Variable Home Loan
    Principal and Interest
    Loan to Value Ratio (LVR) 70.01% - 80%
    Loan size $150,000+
    Apply online
    Discount to the basic variable rate
    A discount to the basic variable interest rate (BVR).
    % p.a.
    Interest rate with discount
    The resulting interest rate after the discount has been applied.
    % p.a.
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    % p.a.
    New Business Offer - Basic Variable Home Loan
    Principal and Interest
    Loan to Value Ratio (LVR) >80%
    Loan size $150,000+
    Apply online
    Discount to the basic variable rate
    A discount to the basic variable interest rate (BVR).
    % p.a.
    Interest rate with discount
    The resulting interest rate after the discount has been applied.
    % p.a.
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    % p.a.
    Basic Variable Home Loan
    Principal and Interest
    Loan to Value Ratio (LVR) <80%
    Loan size $50,000+
    Apply online
    Discount to the basic variable rate
    A discount to the basic variable interest rate (BVR).
    % p.a.
    Interest rate with discount
    The resulting interest rate after the discount has been applied.
    % p.a.
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    % p.a.
    Basic Variable Home Loan
    Principal and Interest
    Loan size $50,000+
    Apply online
    Discount to the basic variable rate
    A discount to the basic variable interest rate (BVR).
    % p.a.
    Interest rate with discount
    The resulting interest rate after the discount has been applied.
    % p.a.
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    % p.a.

    Product overview

    With competitive rates and flexible repayment options, our Basic Variable Home Loan may have the features and benefits of a home loan you’ve been looking for.

    • Competitive variable interest rates

      Chat to us to see what rate you qualify for and suits your needs

    • Loan terms up to 30 years

      Flexibility to pay off the loan up to 30 years

    • Freedom to make unlimited extra repayments

      Pay off your loan faster

    • Flexible repayment frequency

      Pay weekly, fortnightly or monthly

    • Redraw facility

      Access to extra cash if you're ahead on your repayments

    • Construction loan option available

      Ask an expert and find out your options

    • Family guarantee for first home buyers

      We'll help you through the process

    • Lower rates for loans with LVR <80%

      Benefit from a Loan to Value Ratio of less than 80%

    Fees

    Upfront fees
    Application Fee

    $0

    Ongoing fees
    Monthly Administration Fee

    $0 Monthly administration fee. Refer to our Fees and Charges brochure.

    Other fees
    Valuation Fee

    At Cost

    Lenders Mortgage Insurance (LMI)

    Payable for loans with a deposit less than 20% (80% Loan to Value Ratio (LVR) or higher)

    Third party chargesThird party charges apply e.g. stamp duty
    Disclosure documents
    Fees and charges brochureDownload our Fees and charges brochure (PDF, 152KB) 

    Do some quick maths

    Let’s help you with those sums! We have a range of calculators so you can nut out the financial aspects of your loan, such as repayments, borrowing power, total loan costs and more.
    Home loan calculators

      What else do I need to consider?

      Guides and tips

      We’re here to chat if you need us!

      Get in touch with us and we can help you get the answers you need.