Key benefits of this loan

No annual or monthly account keeping fees
Redraw facility
Flexible repayment frequency - pay weekly, fortnightly or monthly
Interest only repayment option
Split-loan interest rate option

Rates

Check out our Standard Variable Home Loan rates!
First home buyer
  • Yes
  • No
Repayment type
  • Principal & interest
  • Interest only
Standard Variable Home Loan
Home, Construction and Bridging loans
Loan size $20,000+
Interest rate
An interest rate is the amount of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% 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.
Standard Variable Home Loan
Home, Construction and Bridging loans
Loan size $20,000+
Interest rate
An interest rate is the amount of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% 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

We understand you have an ever-changing lifestyle, so why not have a home loan with flexibility?
  • Competitive variable interest rates

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

    Flexibility to pay off the loan up to 30 years

  • Account keeping fees

    No annual or monthly account keeping fees
  • 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 option available

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

    We'll help you through the process

Fees

Upfront fees
Application Fee

$600

Settlement Fee$150
Ongoing fees
Monthly Administration Fee

$0 monthly fee. $8 per month for optional offset account

Other fees
Valuation FeeAt 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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