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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

    No annual or monthly account keeping fees
    Redraw facility
    Flexible repayment frequency - pay weekly, fortnightly or monthly
    Split-loan interest rate option

    Rates

    Check out our Standard Variable Home Loan rates!
    View home loan rates
    Interest rate
    An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
    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.
    Standard Variable Home Loan
    Principal and Interest
    Home and Construction Loans
    Loan size $20,000+
    Apply online
    Interest rate
    An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
    % 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

    We understand you have an ever-changing lifestyle, so why not have a home loan with flexibility?

    • Competitive variable interest rates

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

    • Loan terms up to 30 years

      Flexibility to pay off the loan up to 30 years

    • Account keeping fees

      No annual or monthly account keeping fees

    • 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 option available

      Ask an expert and find out your options

    • Family guarantee for first home buyers

      We'll help you through the process

    Fees

    Upfront fees
    Application Fee

    $600

    Settlement Fee$150
    Ongoing fees
    Monthly Administration Fee

    $0 monthly fee. $8 per month for optional offset account. Refer to our Fees and Charges brochure.

    Other fees
    Valuation FeeAt 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.