Let's start finding you the most competitive home loan from our panel of lenders

Is the property to live in or an investment?

What is the purpose of the loan?

 

Do you want to make Principal & Interest repayments or Interest Only repayments?

  • You are paying off the loan

  • Repayments are higher

  • You pay less interest over the long term

  • This is the most common

  • You don't pay off the loan

  • Repayments are lower over the initial Interest Only period only (usually 5-10 years)

  • Interest rate is higher

 
Interest rates for loans with principal & interest repayments on a property you are buying that you will live in from:
if you have at least  20% deposit
or

2.18% p.a.

Fixed for 3 years

 

2.81% p.a. comparison rate

2.68% p.a.

Variable offset account

2.94% p.a. comparison rate

if you have10%-20% deposit after the cost of LMI
or

2.19% p.a.

fixed for 3 years (no offset account)

3.79% p.a. comparison rate

2.64% p.a.

variable (with offset account)

2.66% p.a. comparison rate

if you have 5%-10% deposit after the cost of LMI
or

2.19% p.a.

fixed for 3 years (no offset account)

3.79% p.a. comparison rate

2.64% p.a.

variable (no offset account)

2.66% p.a. comparison rate

if you have 5% deposit and need to borrow more to cover the cost of LMI

4.62% p.a.

variable (with full offset account)

5.03% p.a. comparison rate

 
Interest rates for loans with interest only repayments on a property you are buying that you will live in from:
if you have at least 20% deposit

2.68% p.a.

fixed for 2 years (with no offset account) - No LMI

3.79% p.a. comparison rate

or

2.99% p.a.

variable (without offset account) - No LMI

2.87% p.a. comparison rate

if you have 10%-20% deposit

3.74% p.a.

fixed for 3 years (no offset account) - LMI required

4.10% p.a. comparison rate

or

2.99% p.a.

variable (without offset account) - No LMI

2.87% p.a. comparison rate

 

Do you want to make Principal & Interest repayments or Interest Only repayments?

  • You are paying off the loan

  • Repayments are higher

  • You pay less interest over the long term

  • This is the most common

  • You don't pay off the loan

  • Repayments are lower over the initial Interest Only period only (usually 5-10 years)

  • Interest rate is higher

 
Interest rates for loans with principal & interest repayments on a property you are refinancing that you will live in from:
if you have at least 20% equity
or

2.18% p.a.

Fixed for 3 years

 

2.81% p.a. comparison rate

2.68% p.a.

Variable offset account

2.94% p.a. comparison rate

 
Interest rates for loans with interest only repayments on a property you are refinancing that you will live in from:
if you have at least 20% equity
or

2.68% p.a.

fixed for 2 years (with no offset account) - No LMI

3.79% p.a. comparison rate

2.99% p.a.

variable (without offset account) - No LMI

2.87% p.a. comparison rate

 

Disclaimer

*Interest Rates are correct as at 28 June 2020 and are subject to change at any time. Comparison rate calculated on a $150,000 secured loan over a 25-year term. WARNING: Comparison rate is 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.

Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

Subject to lender terms and conditions.