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Express Home Loan

Save time when you apply online.

Combine fast online approval with competitive interest rates and flexible terms. Don't miss out on the home of your dreams.

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Key features

  • Icon showing desktop, tablet and mobile devices.

    Fast online approval

    Your application and assessment will be conducted online

  • Icon showing sliders at different levels.

    Flexible repayment options

    Choose from Principal & Interest or Interest Only terms and access additional repayments using online redraw

  • Icon of interlocked cogs working together.

    Offset facility

    Make your money work smarter. An offset account reduces the interest you pay on your eligible1 home loan

  • Icon showing desktop, tablet and mobile devices.

    Fast online approval

    Your application and assessment will be conducted online

  • Icon showing sliders at different levels.

    Flexible repayment options

    Choose from Principal & Interest or Interest Only terms and access additional repayments using online redraw

  • Icon of interlocked cogs working together.

    Offset facility

    Make your money work smarter. An offset account reduces the interest you pay on your eligible1 home loan

  • What type of home loan?

    • Live-in fixed

      Principal & Interest

      2 year fixed interest rate

      3.89% p.a.

      Comparison rate1

      4.11% p.a.

    • Live-in variable

      Principal & Interest

      Variable interest rate

      3.79% p.a.

      Comparison rate1

      4.09% p.a.

    • Investment variable

      Principal & Interest

      Variable interest rate

      4.44% p.a.

      Comparison rate1

      4.73% p.a.

    • Investment variable

      Interest Only

      Variable interest rate

      4.94% p.a.

      Comparison rate1

      4.91% p.a.

    Live-in fixed

    Principal & Interest

    2 year fixed interest rate

    3.89% p.a.

    Comparison rate1

    4.11% p.a.

    Live-in variable

    Principal & Interest

    Variable interest rate

    3.79% p.a.

    Comparison rate1

    4.09% p.a.

    Investment variable

    Principal & Interest

    Variable interest rate

    4.44% p.a.

    Comparison rate1

    4.73% p.a.

    Investment variable

    Interest Only

    Variable interest rate

    4.94% p.a.

    Comparison rate1

    4.91% p.a.

    Am I eligible?

    One

    • I have a minimum deposit of 20% of the property’s value, plus additional funds to cover government charges and stamp duty.
    • I have a valid ID and relevant documents on hand.

    Two

    • I am buying or refinancing a property within a capital city or major regional centre.
    • This loan is not for business or commercial purposes.

    Three

    • I am an Australian citizen or permanent resident, and I am 18 years or older.
    • I am a sole or joint borrower and there is nobody going guarantor on this loan.

    More information

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    Pre-qualify for a home loan

    In just minutes, find out how much you may borrow before heading down the home buying path.

    Learn more
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    Rates and fees

    Review our rates and find out which loan is right for you.

    Learn more
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    Settlement fact sheet

    Download our settlement fact sheet and see what steps you need to take from approval to settlement.

    Learn more