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!
First home buyer
  • Yes
  • No
Repayment type
  • Principal & interest
  • Interest only
New Business Offer - Basic Variable Home Loan
Loan to Value Ratio (LVR) <80%
Loan size $150,000+
Discount to the basic variable rate
Discount to the Basic Variable Rate Tooltip
% p.a.
Interest rate with discount
Interest rate with discount tooltip
% p.a.
Comparison rate
A comparison rate combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
% p.a.
New Business Offer - Basic Variable Home Loan
Loan to Value Ratio (LVR) >80%
Loan size $150,000+
Discount to the basic variable rate
Discount to the Basic Variable Rate Tooltip
% p.a.
Interest rate with discount
Interest rate with discount tooltip
% p.a.
Comparison rate
A comparison rate combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
% p.a.
New Business Offer - Basic Variable Home Loan
Loan to Value Ratio (LVR) <80%
Loan size $150,000+
Discount to the basic variable rate
Discount to the Basic Variable Rate Tooltip
% p.a.
Interest rate with discount
Interest rate with discount tooltip
% p.a.
Comparison rate
A comparison rate combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
% p.a.
New Business Offer - Basic Variable Home Loan
Loan to Value Ratio (LVR) >80%
Loan size $150,000+
Discount to the basic variable rate
Discount to the Basic Variable Rate Tooltip
% p.a.
Interest rate with discount
Interest rate with discount tooltip
% p.a.
Comparison rate
A comparison rate combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
% p.a.
Basic Variable Home Loan
Loan to Value Ratio (LVR) <80%
Loan size $50,000+
Discount to the basic variable rate
Discount to the Basic Variable Rate Tooltip
% p.a.
Interest rate with discount
Interest rate with discount tooltip
% p.a.
Comparison rate
A comparison rate combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
% p.a.
Basic Variable Home Loan
Loan size $50,000+
Discount to the basic variable rate
Discount to the Basic Variable Rate Tooltip
.00% p.a.
Interest rate with discount
Interest rate with discount tooltip
% p.a.
Comparison rate
A comparison rate combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
% p.a.
Basic Variable Home Loan
Loan to Value Ratio (LVR) <80%
Loan size $50,000+
Discount to the basic variable rate
Discount to the Basic Variable Rate Tooltip
% p.a.
Interest rate with discount
Interest rate with discount tooltip
% p.a.
Comparison rate
A comparison rate combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
% p.a.
Basic Variable Home Loan
Loan size $50,000+
Discount to the basic variable rate
Discount to the Basic Variable Rate Tooltip
.00% p.a.
Interest rate with discount
Interest rate with discount tooltip
% p.a.
Comparison rate
A comparison rate combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
% 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
  • Interest only repayment option

    Reduce your loan repayments by paying only the interest due monthly

  • Construction loan option available

    Ask an expert and find out your options
  • Family guarantee for first home buyers

    Well 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 fee

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

We’re here to chat if you need us!

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