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    Key benefits of this loan

    Offset account option
    Unlimited extra repayments
    No restrictions on the number of loans under the package
    Competitive variable interest rates
    Redraw facility
    Save on interest rates, products and services

    Rates

    Check out our Variable Home Loan Package rates.
    View home loan rates
    Discount to the standard variable rate
    A discount to the standard variable interest rate (SVR).
    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.
    Variable Home Loan Package
    Principal and Interest
    Loan to Value Ratio (LVR) <70%
    Loan size $100,000+
    Apply online
    Discount to the standard variable rate
    A discount to the standard variable interest rate (SVR).
    % 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.
    Variable Home Loan Package
    Principal and Interest
    Loan to Value Ratio (LVR) 70.01% - 80%
    Loan size $100,000+
    Apply online
    Discount to the standard variable rate
    A discount to the standard variable interest rate (SVR).
    % 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.
    Variable Home Loan Package
    Principal and Interest
    Loan to Value Ratio (LVR) >80%
    Loan size $100,000+
    Apply online
    Discount to the standard variable rate
    A discount to the standard variable interest rate (SVR).
    % 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 one annual fee, our Variable Home Loan Package allows you to combine several loans under the one package umbrella. This gives you the freedom to consider other home loan purchases such as investment properties. It also allows you to redraw any extra repayments and save money on interest rates, and provides a number of other benefits to a wide range of products and services. To qualify, you need to have a minimum total home lending of $100,000 in eligible package products.

    • Competitive variable interest rate

      Chat to us to see what rate you qualify for

    • 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

    • Offset account option

      Link your loan and transaction account to help reduce the interest and time taken to pay off your loan

    • Split-loan interest rate option

      Get the benefits of a part fixed and part variable interest rate loan

    • Construction loan options available

      Ask an expert and find out your options

    • Family guarantee for first home buyers

      We'll help you through the process

    Plus discounts on other products and services

    See how you can save

    • $0 Application Fee

      Save $600

    • $0 Top Up Fee

      Save $400 per top-up. Ideal if you’re planning on renovating, investing, buying a car or going on a holiday

    • $0 Settlement Fee

      Save $150

    • $0 Monthly Administration Fee

      Save $96 per year for each loan

    • $0 Offset Account Fee

      A saving of $96 annually for each loan

    • $0 Personal Loan Application Fee

      Save $250

    • Free Valuation

      One each year

    Fees

    Ongoing fees
    Annual Fee

    $395

    Other fees
    Lenders Mortgage Insurance (LMI)

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

    Third party charges

    Third 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

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