Key benefits of this loan

Competitive variable interest rates
No application or ongoing fees
Flexible repayment frequency - pay weekly, fortnightly or monthly
Redraw facility

Rates

Check out our Basic Variable Home Loan rates!
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
Interest rate with discount
The resulting interest rate after the discount has been applied.
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.
New Business Offer - Basic Variable Home Loan
Principal and Interest
Loan to Value Ratio (LVR) <70%
Loan size $150,000+
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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.
New Business Offer - Basic Variable Home Loan
Principal and Interest
Loan to Value Ratio (LVR) 70.01% - 80%
Loan size $150,000+
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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.
New Business Offer - Basic Variable Home Loan
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $150,000+
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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.
Basic Variable Home Loan
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $50,000+
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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.
Basic Variable Home Loan
Principal and Interest
Loan size $50,000+
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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

With competitive rates and flexible repayment options, our Basic Variable Home Loan may have the features and benefits of a home loan you’ve been looking for.
  • Competitive variable interest rates

    Chat to us to see what rate you qualify for and suits your needs
  • Loan terms up to 30 years

    Flexibility to pay off the loan up to 30 years

  • 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
  • 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
  • Lower rates for loans with LVR <80%

    Benefit from a Loan to Value Ratio of less than 80%

Fees

Upfront fees
Application Fee

$0

Ongoing fees
Monthly Administration Fee

$0 Monthly administration fee. Refer to our Fees and Charges brochure.

Other fees
Valuation Fee

At 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.

What else do I need to consider?

Guides and tips

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Get in touch with us and we can help you get the answers you need.