Home loan interest rates

Rates effective: 11-Dec-14

Residential Lending Interest Rates

Fixed Rate

Available with Fixed Rate Residential Home Loan and Interest Only Term Loan

Product $8 Monthly
Fee Rate
Comparison Rate 1
1 Year 4.79% p.a. 5.50% p.a.
2 Year 4.84% p.a. 5.45% p.a.
3 Year 4.84% p.a. 5.40% p.a.
4 Year 5.24% p.a. 5.50% p.a.
5 Year 5.24% p.a. 5.48% p.a.

Variable Rates

For loans settled after 01/10/2014

Product $8 Monthly
Fee Rate
Comparison Rate 1
Residential Home Loan 6.01% p.a. 6.16% p.a.
with Package (between $50,000 and $249,999) 5.41% p.a. 5.56% p.a.

with Package Plus (between $250,000 and $499,999)

5.21% p.a. 5.36% p.a.
with Package Plus (greater than $500,000) 5.11% p.a. 5.26% p.a.
Interest Only Term Loan 6.01% p.a. 6.16% p.a.
with Package (between $50,000 and $249,999) 5.41% p.a. 5.56% p.a.
with Package Plus (between $250,000 and $499,999) 5.21% p.a. 5.36% p.a.
with Package Plus (greater than $500,000) 5.11% p.a. 5.26% p.a.
Home Equity Loan 6.11% p.a. N/A

with Package (between $50,000 and $249,999)

5.51% p.a. N/A
with Package Plus (between $250,000 and $499,999) 5.31% p.a. N/A
with Package Plus (greater than $500,000) 5.21% p.a. N/A
Generation GreenTM Home Loan 5.51% p.a. 5.57% p.a.
Low Doc Variable Rate Loan 6.21% p.a. 6.27% p.a.
Low Doc Interest Only Term Loan 6.21% p.a. 6.27% p.a.


For loans settled before 01/10/2014

Product $8 Monthly
Fee Rate
Comparison Rate 1
Residential Home Loan 6.01% p.a. 6.16% p.a.
with Package ($50,000 - $249,999) 5.51% p.a. 5.66% p.a.
with Package Plus (greater than $250,000) 5.31% p.a. 5.46% p.a.
Interest Only Term Loan 6.01% p.a. 6.16% p.a.
with Package ($50,000 - $249,999) 5.51% p.a. 5.66% p.a.
with Package Plus (greater than $250,000) 5.31% p.a. 5.46% p.a.
Home Equity Loan 6.11% p.a. N/A

with Package ($50,000 - $249,999)

5.61% p.a. N/A
with Package Plus (greater than $250,000) 5.41% p.a. N/A

All lending interest rates are subject to change.

Important information about comparison rates: The comparison rates displayed are calculated for a loan amount of $150,000 over a 25 year loan term. All Fixed rates are calculated on the basis that they roll to the Residential Variable rate at the end of the initial term. All comparison rates are calculated with a nil offset balance.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.