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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 

 

Principal & Interest Interest Only
Owner Occupied Variable Rate Home Loans Interest Rate Comparison Rate Interest Rate Comparison Rate
First Rate Variable Special## 3.99% pa 4.05% pa1 3.99% pa 4.05% pa1
First Rate  4.89% pa 4.95% pa1 4.89% pa 4.95% pa1
All in One - 2 Year Discount Variable^^ 3.79% pa 4.87% pa1 3.79% pa 4.87% pa1
All in One  5.05% pa 5.11% pa1 5.05% pa 5.11% pa1
All in One Rewards Package - $1 - $349,999^ 4.44% pa 4.50% pa1 4.44% pa 4.50% pa1
All in One Rewards Package - $350,000 - $749,999^ 4.34% pa 4.40% pa1 4.34% pa 4.40% pa1
All in One Rewards Package - $750,000+^ 4.29% pa 4.35% pa1 4.29% pa 4.35% pa1
Tide You Over Home Equity (S33) 5.27% pa N/A N/A N/A
  Principal & Interest Interest Only
Owner Occupied Fixed Rate Home Loans Interest Rate Comparison Rate Interest Rate Comparison Rate
Fixed 1 Year 4.04% pa 4.89% pa1 4.64% pa 4.94% pa1
Fixed 2 Year 3.94% pa 4.79% pa1 4.63% pa 4.92% pa1
Fixed 3 Year 4.03% pa 4.74% pa1 4.58% pa 4.88% pa1
Fixed 5 Year 4.53% pa 4.82% pa1 5.03% pa 5.02% pa1

Investment Home Loans

 

Principal & Interest Interest Only
Investment Variable Rate Home Loans Interest Rate Comparison Rate Interest Rate Comparison Rate
First Rate Variable Special## 4.30% pa 4.36% pa1 4.80% pa 5.18% pa1
First Rate  5.35% pa 5.41% pa1 5.85% pa 5.61% pa1
All in One - 2 Year Discount Variable^^ 4.45% pa 5.37% pa1 4.95% pa 5.34% pa1
All in One  5.51% pa 5.57% pa1 6.01% pa 5.79% pa1
All in One Rewards Package - $1 - $349,999^ 5.16% pa 5.22% pa1 5.66% pa 5.42% pa1
All in One Rewards Package - $350,000 - $749,999^ 5.06% pa 5.12% pa1 5.56% pa 5.32% pa1
All in One Rewards Package - $750,000+^ 5.01% pa 5.07% pa1 5.51% pa 5.27% pa1

 

  Principal & Interest Interest Only
Investment Fixed Rate Home Loans Interest Rate Comparison Rate Interest Rate Comparison Rate
Fixed 1 Year 4.28% pa 5.32% pa1 4.99% pa 5.39% pa1
Fixed 2 Year 4.14% pa 5.20% pa1 4.93% pa 5.35% pa1
Fixed 3 Year 4.24% pa 5.13% pa1 5.03% pa 5.34% pa1
Fixed 5 Year 5.03% pa 5.29% pa1 5.48% pa 5.48% pa1

Personal Lending

Loan Type Interest Rate Comparison Rate
Premium Personal Loan* 7.99% pa 8.20% pa3
Personal Loan Variable (L1) 14.82% pa 15.75% pa3
Personal Loan Fixed (L3) 14.82% pa 15.75% pa3
Overdraft (S1) 15.22% pa N/A
Credit Card (S10) 7.99% p.a for 6 months  N/A
Consolidator Loan (L8) 17.57% pa 18.48% pa3

 

Car Loans 

Up to 3 years old   
Loan Type Interest Rate Comparison Rate
Variable Car Loan 5.99% pa 7.09% pa2
Fixed Car Loan  7.99% pa 9.07% pa2
Variable Car Loan Packaged** 4.49% pa 5.32% pa2
Fixed Car Loan Packaged** 6.49% pa 7.30% pa2

Greater than 3 years and up to 7 years  
Loan Type Interest Rate Comparison Rate
Variable Car Loan 7.99% pa 9.07% pa2
Fixed Car Loan  9.99% pa 11.06% pa2
Variable Car Loan Packaged** 6.49% pa 7.30% pa2
Fixed Car Loan Packaged** 8.49% pa 9.28% pa2

Special Purpose Loan

Contact us for a wide range of special purpose loans:

  • Reverse Mortgages
  • Leasing

Rates available on request.

 

Eligibility criteria, terms and conditions, fees and charges apply. Interest rate current as at 11/09/18 and are subject to change without notice.

1. 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. 
2. 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.
3. 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.
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.
^ The Rewards Package can be added to your current All in One home loan but only if you increase the Amount of Credit under the home loan by $100,000 or more.
*Available to members who have an existing home loan, are home owners or have a term deposit of $20,000 or more.
 ^^An interest rate discount of 0.81%p.a. 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 topups or internal product switches. 

** Only available to members with an All in One Home Loan Rewards PACKAGE