Standard Variable Home Loan

A flexible home loan that's anything but standard

When you can't plan for life's ups and downs, a variable home loan with flexibility can help you navigate life with confidence. Our Standard Variable Home Loan gives you flexibility with your repayments, a mortgage offset account and free redraw. You can also make additional repayments any time to pay off your home loan sooner, and draw on these funds when they're needed.  

How to apply

Features and Benefits


Loan term

Maximum 30 years

Minimum loan amount

No minimum

Maximum loan amount

95% of property value* (Principal and Interest Lending) and 70% of property value (Interest Only Lending) for Owner Occupied
90% of property value* (Principal and Interest Lending) and 80% of property value (Interest Only Lending) for Investment

Repayment type

  • Principal and Interest
  • Interest only (maximum 5 years; subject to approval)

Repayment options

  • Weekly
  • Fortnightly
  • Monthly

Additional repayments

Yes - unlimited 


Yes – minimum $100. Available through Internet Banking subject to approval.

Low Doc Option


100% Mortgage Offset facility# 

Yes - personal customers only

Internet Banking


EasyPhone Banking


* Requires mortgage insurance if the amount borrowed is more than 80% of the valuation of the security property. Applies to both owner-occupied and investment loans.  

# Not available on Self Managed Super Fund (SMSF) loans.  

Home Loan Interest Rates

View our Standard Variable Home Loan Rate on our Home Loan Interest Rates page.

Fees and Charges

Application fee


Monthly Fee

$10.00 each month

Settlement Fee    $150.00

Fee Savings

You can nominate one of your Reverse Charges AccountTM to be free of monthly account maintenance fees.

How to apply

Important information

Please view the terms and conditions listed below: