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## Compare home loans

If you aren’t sure which loan will be best for your needs, our comparison tool is a great place to start.

## Basic Variable Home Loan

A home loan with a low interest rate, no application or ongoing fees, and the flexibility to make extra repayments.

New Business Offer - Basic Variable Home Loan

Loan to Value Ratio (LVR) <70%

LVR

LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.

Loan size

The minimum amount that needs to be in the account.

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.

Principal and Interest

New Business Offer - Basic Variable Home Loan

Loan to Value Ratio (LVR) 70.01% - 80%

LVR

LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.

Loan size

The minimum amount that needs to be in the account.

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.

Principal and Interest

New Business Offer - Basic Variable Home Loan

Loan to Value Ratio (LVR) >80%

LVR

LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.

Loan size

The minimum amount that needs to be in the account.

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.

Principal and Interest

Basic Variable Home Loan

Loan to Value Ratio (LVR) <80%

LVR

Loan size

The minimum amount that needs to be in the account.

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

Principal and Interest

Basic Variable Home Loan

LVR

Loan size

The minimum amount that needs to be in the account.

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

Principal and Interest

## Variable Home Loan Package

With our Variable Home Loan Packages you can make unlimited extra mortgage repayments to pay off your loan sooner. You can also save money with interest rate and fee discounts on your loan, and on a wide range of products and services; all for one annual fee.

Variable Home Loan Package

Loan to Value Ratio (LVR) <70%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Discount to the standard variable rate

A discount to the standard variable interest rate (SVR).

Interest rate with discount

The resulting interest rate after the discount has been applied.

Comparison rate

Principal and Interest

Discount to the standard variable rate

A discount to the standard variable interest rate (SVR).% p.a.

Variable Home Loan Package

Loan to Value Ratio (LVR) 70.01% - 80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Discount to the standard variable rate

A discount to the standard variable interest rate (SVR).

Interest rate with discount

The resulting interest rate after the discount has been applied.

Comparison rate

Principal and Interest

Discount to the standard variable rate

A discount to the standard variable interest rate (SVR).% p.a.

Variable Home Loan Package

Loan to Value Ratio (LVR) >80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Discount to the standard variable rate

A discount to the standard variable interest rate (SVR).

Interest rate with discount

The resulting interest rate after the discount has been applied.

Comparison rate

Principal and Interest

Discount to the standard variable rate

A discount to the standard variable interest rate (SVR).% p.a.

## Fixed Home Loan Package

With our Fixed Rate Home Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances.

1 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) <80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

An interest rate is the rate 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.

Comparison rate

Principal and Interest

1 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) >80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

An interest rate is the rate 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.

Comparison rate

Principal and Interest

2 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) <80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

An interest rate is the rate 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.

Comparison rate

Principal and Interest

2 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) >80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

3 Year Fixed Home Loan Package (First Home Buyer)

Loan to Value Ratio (LVR) <80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

3 Year Fixed Home Loan Package (First Home Buyer)

Loan to Value Ratio (LVR) >80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

3 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) <80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

3 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) >80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

4 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) <80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

4 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) >80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

5 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) <80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

5 Year Fixed Home Loan Package

Loan to Value Ratio (LVR) >80%

LVR

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

## Fixed Rate Home Loan

Enjoy certainty by knowing what your home loan repayments will be.

1 Year Fixed Rate

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

2 Year Fixed Rate

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

3 Year Fixed Rate

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

4 Year Fixed Rate

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

5 Year Fixed Rate

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate

Comparison rate

Principal and Interest

## Standard Variable Home Loan

A loan that provides you with flexibility, competitive rates and unlimited extra repayments.

Home, Construction and Bridging Loans

Loan size

The minimum amount that needs to be borrowed for the loan.

Interest rate with discount

The resulting interest rate after the discount has been applied.

Comparison rate

Home and Construction Loans

Bridging Loans

## Tools and calculators

### Home loan calculators

Our home loan calculators can help you work out your repayments, calculate stamp duty, estimate borrowing power and more.### Mortgage comparison calculator

Use our mortgage comparison calculator to compare your home loan to a People's Choice home loan.### Stamp duty and land tax calculator

When buying a home, there are additional costs like stamp duty and land tax.