Key benefits of this loan

Offset account option
Unlimited extra repayments
No restrictions on the number of loans under the package
Competitive variable interest rates
Redraw facility
Save on interest rates, products and services

Rates

Check out our Variable Home Loan Package rates.
First home buyer
  • Yes
  • No
Repayment type
  • Principal & interest
  • Interest only
Variable Home Loan Package
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Discount to the standard variable rate
A discount to the standard variable interest rate (SVR).
% 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.
Variable Home Loan Package
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Discount to the standard variable rate
A discount to the standard variable interest rate (SVR).
% 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.
Variable Home Loan Package
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Discount to the standard variable rate
A discount to the standard variable interest rate (SVR).
% 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.
Variable Home Loan Package
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Discount to the standard variable rate
A discount to the standard variable interest rate (SVR).
% 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 one annual fee, our Variable Home Loan Package allows you to combine several loans under the one package umbrella. This gives you the freedom to consider other home loan purchases such as investment properties.

It also allows you to redraw any extra repayments and save money on interest rates, and provides a number of other benefits to a wide range of products and services.

To qualify, you need to have a minimum total home lending of $100,000 in eligible package products.
  • Competitive variable interest rate

    Chat to us to see what rate you qualify for
  • 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
  • Offset account option

    Link your loan and transaction account to help reduce the interest and time taken to pay off your loan
  • Interest only repayment option

    Reduce your loan repayments by paying only the interest due monthly
  • Split-loan interest rate option

    Get the benefits of a part fixed and part variable interest rate loan
  • Construction loan options available

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

    We'll help you through the process$(Family Guarantee, 100% LVR)

Plus discounts on other products and services

See how you can save
  • $0 Application Fee

    Save $600

  • $0 Top Up Fee

    Save $400 per top-up. Ideal if you’re planning on renovating, investing, buying a car or going on a holiday

  • $0 Settlement Fee

    Save $150

  • $0 Monthly Administration Fee

    Save $96 per year for each loan
  • $0 Offset Account Fee

    A saving of $96 annually for each loan
  • $0 Personal Loan Application Fee

    Save $250

  • Free Valuation

    One each year

  • Financial planning

    Free, no obligation financial planning appointment with one of our qualified Financial Planners

Fees

Ongoing fees
Annual Fee

$395

Other fees
Lenders Mortgage Insurance (LMI)

Payable for loans with a deposit less than 20% (80% Loan to Value Ratio (LVR) or higher)

Third party charges

Third 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.