Compare home loans

 

 

Use this handy table to compare the features of our home loan products.


Account features 

  Economy Variable Home Loan4  

  Clear Path Variable Rate Home Loan4  

Standard Variable Rate Home Loan 

First-Start Home Loan 

Fixed Rate Home Loan 

Line of Credit Facility 

Home Loan Privileges Package 

 

Enquire 

Enquire 

Enquire 

Enquire 

Enquire 

Enquire 

Enquire 

Low Doc Option

No

No

Yes

No

Yes

Yes

No

Interest charged

Monthly in arrears

Monthly in arrears

Monthly in arrears

Monthly in arrears

Monthly in arrears

Monthly in arrears

View the benefits of this home loan package.

 

Interest rate

Variable

Variable

Variable

Variable

Fixed for 1-5 years3 

Variable

Interest only option 

Yes2 

Yes2 

Yes2 

Yes2 

Yes2 

N/A

Minimum loan amount (owner -Occupied)

No minimum

No minimum

No minimum

No minimum

No minimum

25,000

Maximum loan amount (owner-occupied)

80% of property value 

95% of property value 

95% of property value1 

95% of property value1 

95% of property value1 

90% of property value1 

Maximum LVR and loan amount (investment)

80% of property value1 

90% of property value1 

90% of property value1 

90% of property value1 

90% of property value1 

90% of property value1 

Minimum loan term

1 year

No minimum

No minimum

No minimum

Fixed term

No fixed term - at call ongoing line of credit facility with a fixed credit limit

Maximum interest only term

5 years

5 years

5 years

5 years

Fixed term

Maximum loan term

30 years

30 years

30 years

30 years

30 years

Repayment type

Principal and interest

Interest only2 

Principal and interest

Interest only2 

Principal and interest

Interest only2 

Principal and interest

Interest only2 

Principal and interest

Interest only2 

Repayment frequency

Weekly, fortnightly, monthly

Weekly, fortnightly, monthly

Weekly, fortnightly, monthly

Weekly, fortnightly, monthly

Weekly, fortnightly, monthly

Flexible

Additional repayments

Yes - unlimited

Yes - unlimited

Yes - unlimited

Yes - unlimited

Yes – up to $5,000 annually

Yes - unlimited

Redraw (application form PDF 398KB)

$100

$100

$100

$100

No

Ongoing line of credit facility

Mortgage Offset facility 

No

Yes personal customers only

Yes personal customers only

No

Yes personal customers on 1 year fixed rate term only

No

ATM Access

NoNoNoNoNoYes

Internet Banking 

YesYesYesYesYesYes 

 


1 Lender's mortgage insurance is required if the amount borrowed is more than 80% of the valuation of the security property.

2Interest only repayments are subject to approval. Maximum five years.

3At the conclusion of the fixed rate period, the loan converts to the Standard Variable Housing Loan Rate.

 

4 Available for new lending only.

 

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