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Owner occupier rates

OO & INV Packages

OO & INV Packages
Principal & Interest
Interest only
Max LVR
Basic 80 (OO & INV Package)~
5.78% p.a.
—
80%
~Package your OO and INV loans and get a lower rate for both. Offset available at +0.10%.

Variable

Variable
Principal & Interest
Interest only
Max LVR
Basic 70^
5.89% p.a.
—
70%
Basic 80^
5.99% p.a.
6.34% p.a.
80%
Basic 90^
6.39% p.a.
—
90%
^Offset available at +0.10%.

Construction

Construction
Principal & Interest
Interest only
Max LVR
Construction 80
—
6.89% p.a.
80%
Construction 90
—
7.09% p.a.
90%

Fixed

Fixed
Principal & Interest
Interest only~~
Max LVR
Fixed 1 year
5.84% p.a.
6.24% p.a.
90%
Fixed 2 year
5.74% p.a.
6.14% p.a.
90%
Fixed 3 year
5.79% p.a.
6.19% p.a.
90%
Fixed 4 year
6.04% p.a.
6.44% p.a.
90%
Fixed 5 year
5.74% p.a.
6.54% p.a.
90%
~~Interest only up to 80% LVR.

Green Home Loan

Green Home Loan
Principal & Interest
Interest only
Max LVR
Green Home Loan 90^
5.74% p.a.
6.09% p.a.~~
90%
Green Construction 90
—
6.14% p.a.
90%
^Offset available at +0.10%. ~~Interest only up to 80% LVR

Solar Home Loan

Solar Home Loan
Principal & Interest
Interest only
Max LVR
Solar Home Loan 90^
5.74% p.a.
6.09% p.a.~~
90%
Solar Construction 90
—
6.14% p.a.
90%
^Offset available at +0.10%. ~~Interest only up to 80% LVR

Choice Products

Choice Products
Principal & Interest
Interest only
Max LVR
Bridging Finance
-
8.00%+
80%
Zip Home Loan
6.14% p.a.
-
90%
+During the Bridging period the interest rate is 8.00%, fixed. After the Bridging period, the interest rate will revert to 5.88%, variable.

Investor rates

OO & INV Packages

OO & INV Packages
Principal & Interest
Interest only
Max LVR
Basic 80 (OO & INV Package)~
5.99% p.a.
6.38% p.a.
80%
~Package your OO and INV loans and get a lower rate for both. Offset available at +0.10%.

Variable

Variable
Principal & Interest
Interest only
Max LVR
Basic 80^
6.09% p.a.
6.49% p.a.
80%
Basic 90^
6.49% p.a.
6.79% p.a.
90%
^Offset available at +0.10%.

Construction

Construction
Principal & Interest
Interest only
Max LVR
Construction 80
—
6.99% p.a.
80%
Construction 90
—
7.19% p.a.
90%

Fixed

Fixed
Principal & Interest
Interest only~~
Max LVR
Fixed 1 year
6.04% p.a.
6.44% p.a.
90%
Fixed 2 year
5.94% p.a.
6.34% p.a.
90%
Fixed 3 year
5.99% p.a.
6.39% p.a.
90%
Fixed 4 year
6.24% p.a.
6.64% p.a.
90%
Fixed 5 year
6.34% p.a.
6.74% p.a.
90%
~~Interest only up to 80% LVR

Green Home Loan

Green Home Loan
Principal & Interest
Interest only
Max LVR
Green Home Loan 90^
5.99% p.a.
6.09% p.a.
90%
Green Construction 90
—
6.59% p.a.
90%
^Offset available at +0.10%.

Solar Home Loan

Solar Home Loan
Principal & Interest
Interest only
Max LVR
Solar Home Loan 90^
5.99% p.a.
6.09% p.a.
90%
Solar Construction 80
-
6.59% p.a.
80%
^Offset available at +0.10%.

SMSF Residential

SMSF Residential
Principal & Interest
Interest only
Max LVR
SMSF 70
6.74% p.a.
—
70%
SMSF 80
7.24% p.a.
—
80%
SMSF 80 (Fixed 2 years)
6.74% p.a.
—
80%
SMSF 80 (Fixed 3 years)
6.79% p.a.
—
80%
SMSF 80 (Fixed 5 years)
7.14% p.a.
—
80%

SMSF Commercial

SMSF Commercial
Principal & Interest
Interest only
Max LVR
SMSF 70
7.19% p.a.
—
70%
SMSF 80
7.49% p.a.
—
80%
SMSF 80 (Fixed 2 years)
7.74% p.a.
—
80%
SMSF 80 (Fixed 3 years)
7.79% p.a.
—
80%
SMSF 80 (Fixed 5 years)
8.14% p.a.
—
80%

Choice Products

Choice Products
Principal & Interest
Interest only
Max LVR
Ex-Pat Variable#
7.18% p.a.
7.38%
80%
#Ex-Pat only available for Non-resident

Possible investor combinations

OO + INV

OO + INV
Owner Occupied
Investor
Combination 1
5.78% p.a
OO Package
Basic 80 P&I
5.99% p.a
Investor Package
Basic 80 P&I
Combination 2
5.78% p.a
OO Package
Basic 80 P&I
6.38% p.a
Investor Package
Basic 80 IO
Combination 3
5.88% p.a
OO Package
Offset 80 P&I
5.99% p.a
Investor Package
Basic 80 P&I
Combination 4
5.88% p.a
OO Package
Offset 80 P&I
6.48% p.a
Investor Package
Offset 80 IO

Home loan brochures

Home Loans

Points of difference

PDF (1921KB)

Home Loans

Product Matrix

PDF (4387KB)

Home Loans

Investor Combinations

PDF (395KB)

Green Home Loan

Green Home Loan Post Settlement Rates

PDF (406KB)

Green Home Loan

Green Home Loan Product Specs

PDF (519KB)

Green Home Loan

Green Home Loan Brochure

PDF (2494KB)

Green Home Loan

Green Home Loan Discount Offer T&C

PDF (2163KB)

Green Home Loan

Green Construction Discount Offer T&C

PDF (949KB)

Green Home Loan

Sustainalytics Green Bond Framework Second-Party Opinion

PDF (229KB)

Green Home Loan

Example NatHERS Certificate**

PDF (428KB)

Green Home Loan

Sustainalytics Report

PDF (254KB)

Green Home Loan

Media Release

PDF (116KB)

Green Home Loan

Green Bond Framework

PDF (409KB)

Solar Home Loan

Solar Home Loan Discount Offer T&C

PDF (2573KB)

Solar Home Loan

Solar Construction Discount Offer T&C

PDF (2634KB)

Solar Home Loan

Solar Home Loan Brochure

PDF (674KB)

Solar Home Loan

Firstmac – Climate Bond Framework

PDF (208KB)

Solar Home Loan

Pre-Issuance Verification Protocol

PDF (748KB)

Solar Home Loan

Pre-Issuance Verification Opinion

PDF (497KB)

Solar Home Loan

Solar Home Loan Product Specs

PDF (571KB)

SMSF Loan

SMSF Residential Product Sheet

PDF (846KB)

SMSF Loan

SMSF Commercial Product Sheet

PDF (935KB)

SMSF Loan

SMSF Commercial Checklist

PDF (1351KB)

Bridging Home Loan

PDF (644KB)

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