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Owner occupier rates

OO & INV Packages

OO & INV Packages
Principal & Interest
Interest only
Max LVR
Offset 80 & Standard INV Rate~
6.09% p.a.
—
80%
~Package rates only available for OO loan packaged with new or existing INV security. Discounted rate only applies to the OO loan split

Broker Specials

Broker Specials
Principal & Interest
Interest only
Max LVR
Basic 70
6.24% p.a.
—
70%
Basic 80
6.54% p.a.
—
80%
Offset 80
6.54% p.a.
6.84% p.a.
80%

Standard variable

Standard variable
Principal & Interest
Interest only
Max LVR
Basic 80
6.94% p.a.
7.24% p.a.
80%
Offset 80
7.09% p.a.
7.44% p.a.
80%
Basic 90
7.14% p.a.
7.34% p.a.
90%
Offset 90
7.24% p.a.
7.44% p.a.
90%
ZIP Home Loan
7.08% p.a.
—
90%

Construction

Construction
Principal & Interest
Interest only
Max LVR
Construction 80
—
7.92% p.a.
80%
Construction 90
—
8.12% p.a.
90%

Fixed

Fixed
Principal & Interest
Interest only
Max LVR
Fixed 1 year
6.79% p.a.
7.19% p.a. (up to 80%)
90%
Fixed 2 year
6.74% p.a.
7.14% p.a. (up to 80%)
90%
Fixed 3 year
6.69% p.a.
7.09% p.a. (up to 80%)
90%
Fixed 4 year
6.89% p.a.
7.29% p.a. (up to 80%)
90%
Fixed 5 year
6.94% p.a.
7.34% p.a. (up to 80%)
90%
Fixed 5 year (Special Offer)
6.54% p.a.
—
90%

Green Home Loans**

Green Home Loans**
Principal & Interest
Interest only
Max LVR
Green Basic 90
5.99% p.a.
5.99% p.a.
90%
Green Offset 90
5.99% p.a.
5.99% p.a.
90%
Green Construction 90
—
6.34% p.a.
90%
**Rates are discounted for 5 years, reverting to standard applicable product rate. See Green Home Loan Discount Offer Terms and Conditions. and Green Construction Loan Discount Offer Terms and Conditions.

Solar Home Loan Products^

Solar Home Loan Products^
Principal & Interest
Interest only
Max LVR
Solar Basic 90
6.09% p.a.
6.59% p.a.
90%
Solar Offset 90
6.19% p.a.
6.69% p.a.
90%
Solar Construction 90
—
6.64% p.a.
90%
^Rates are discounted for 5 years, reverting to standard applicable product rate. See Solar Home Loan Discount Offer Terms and Conditions. and Solar Construction Loan Discount Offer Terms and Conditions.

Bridging Finance

Bridging Finance
Principal & Interest
Interest only
Max LVR
Bridging Finance
-
8.00%+
80%
+During the Bridging period the interest rate is 8.00%, fixed. After the Briding period, the interest rate will revert to 6.09%, variable.

Investor rates

Standard variable

Standard variable
Principal & Interest
Interest only
Max LVR
Basic 80
7.19% p.a.
7.39% p.a.
80%
Offset 80
7.29% p.a.
7.54% p.a.
80%
Basic 90
7.34% p.a.
7.54% p.a.
90%
Offset 90
7.44% p.a.
7.64% p.a.
90%
Ex-Pat#
7.68% p.a.
7.88% p.a.
80%
#Ex-Pat only available for Non-resident.

Construction

Construction
Principal & Interest
Interest only
Max LVR
Construction 80
—
8.02% p.a.
80%

Fixed

Fixed
Principal & Interest
Interest only
Max LVR
Fixed 1 year
6.99% p.a.
7.39% p.a. (up to 80%)
90%
Fixed 2 year
6.94% p.a.
7.34% p.a. (up to 80%)
90%
Fixed 3 year
6.89% p.a.
7.29% p.a. (up to 80%)
90%
Fixed 4 year
7.09% p.a.
7.49% p.a. (up to 80%)
90%
Fixed 5 year
7.14% p.a.
7.54% p.a. (up to 80%)
90%

Green Home Loans**

Green Home Loans**
Principal & Interest
Interest only
Max LVR
Green Basic 90
5.99% p.a.
5.99% p.a.
90%
Green Offset 90
5.99% p.a.
5.99% p.a.
90%
Green Construction 90
—
6.79% p.a.
90%
**Rates are discounted for 5 years, reverting to standard applicable product rate. See Green Home Loan Discount Offer Terms and Conditions. and Green Construction Loan Discount Offer Terms and Conditions.

Solar Home Loan Products^

Solar Home Loan Products^
Principal & Interest
Interest only
Max LVR
Solar Basic 90
6.49% p.a.
6.59% p.a.
90%
Solar Offset 90
6.59% p.a.
6.69% p.a.
90%
Solar Construction 80
-
7.09% p.a.
80%
^Rates are discounted for 5 years, reverting to standard applicable product rate. See Solar Home Loan Discount Offer Terms and Conditions. and Solar Construction Loan Discount Offer Terms and Conditions.

SMSF Home Loans

SMSF Home Loans
Principal & Interest
Interest only
Max LVR
SMSF 70
7.24% p.a.
—
70%
SMSF 80
7.74% p.a.
—
80%
SMSF 80 (Fixed 2 years)
7.69% p.a.
—
80%
SMSF 80 (Fixed 3 years)
7.59% p.a.
—
80%
SMSF 80 (Fixed 5 years)
7.84% p.a.
—
80%

Possible investor combinations

OO + INV

OO + INV
Owner Occupied
Investor
Combination 1
6.09% p.a
Offset 80 (OO & INV Package) - P&I
7.19% p.a
Broker Special Investor Basic 80 - P&I
Combination 2
6.09% p.a
Offset 80 (OO & INV Package) - P&I
7.39% p.a
Broker Special Investor Basic 80 - IO
Combination 3
6.09% p.a
Offset 80 (OO & INV Package) - P&I
7.29% p.a
Broker Special Investor Offset 80 - P&I
Combination 4
6.09% p.a
Offset 80 (OO & INV Package) - P&I
7.54% p.a
Broker Special Investor Offset 80 - IO

Home loan brochures

Home Loans

Rate sheet

PDF (681KB)

Home Loans

Investor Combinations

PDF (975KB)

Home Loans

Product Matrix

PDF (2785KB)

Home Loans

Points of difference

PDF (354KB)

Green Home Loan

Green Home Loan Post Settlement Rates

PDF (212KB)

Green Home Loan

Green Home Loan Product Specs

PDF (317KB)

Green Home Loan

Green Home Loan Brochure

PDF (798KB)

Green Home Loan

Green Construction Discount Offer T&C

PDF (587KB)

Green Home Loan

Green Home Loan Discount Offer T&C

PDF (557KB)

Green Home Loan

Sustainalytics Green Bond Framework Second-Party Opinion

PDF (386KB)

Green Home Loan

Sustainalytics Report

PDF (254KB)

Green Home Loan

Media Release

PDF (116KB)

Green Home Loan

Example NatHERS Certificate**

PDF (428KB)

Green Home Loan

Green Bond Framework

PDF (409KB)

Solar Home Loan

Solar Home Loan Brochure

PDF (674KB)

Solar Home Loan

Solar Home Loan Discount Offer T&C

PDF (762KB)

Solar Home Loan

Solar Construction Discount Offer T&C

PDF (886KB)

Solar Home Loan

Solar Home Loan Product Specs

PDF (370KB)

SMSF Home Loan

SMSF Product Sheet

PDF (532KB)

Bridging Home Loan

PDF (412KB)

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