Business finance interest rates

 

Long Term Finance

  

Business Term Loan

 

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Lending Interest rates (% p.a.) 

Term Residential Security Base Rate 

Term Other Security Base Rate 

Variable^

7.50*

8.25*

 

 

Lending Interest rates (% p.a.) 

Residential security 

Other security 

1 year fixed

5.22*

6.22*

2 years fixed

5.32*

6.47*

3 years fixed

6.14*

6.79*

4 years fixed

6.60*

7.10*

5 years fixed

6.79*

6.57*

* Customer margin may apply (subject to approval) 

^ Interest rate is comprised of either the Term Residential Security Base Rate or Term Other Security Base Rate less a risk based customer discount. This base rate and discount is determined during the assessment of your application for finance. 

 

Business Line of Credit

 

Lending Interest rates (% p.a.) 

Business Line of Credit Residential Security Base Rate 

Business Line of Credit Other Security Base Rate 

Variable

7.65*

8.40*

* Customer margin may apply (subject to approval) 

 

 

Business First Lending Package Rates

 Lending reference rate 

 Lending reference rate (% p.a.) 

 Package discount (% p.a.) 

 Annual percentage rate (% p.a.) 

 Business Term Loan- 1 year discount variable**  
 Term residential security base rate

7.50

-1.00

6.50*

 Term other security base rate 

8.25

-1.00

7.25*

 Business Term Loan- variable^

 Term residential security base rate

7.50

-0.15

7.35*

 Term other security base rate 

8.25

-0.15

8.10*

 Business Term Loan- fixed, residential  

 Term residential security 1 year fixed

5.22

-0.15

5.07*

 Term residential security 2 year fixed

5.32

-0.15

5.17*

 Term residential security 3 year fixed

6.14

-0.15

5.99*

 Term residential security 4 year fixed

6.60

-0.15

6.45*

 Term residential security 5 year fixed

6.79

-0.15

6.64*

 Business Term Loan - fixed, other
 Term other security 1 year fixed

6.22

-0.15

6.07*

 Term other security 2 year fixed

6.47

-0.15

6.32*

 Term other security 3 year fixed

6.79

-0.15

6.64*

 Term other security 4 year fixed

7.10

-0.15

6.95*

 Term other security 5 year fixed

6.57

-0.15

6.42*

 Business Line of Credit- variable
 Business Line of Credit residential security base rate

7.65

-0.15

7.50*

 Business Line of Credit other security base rate

8.40

-0.15

8.25*

 Business Overdraft- variable
 Overdraft residential security base rate

8.24

-0.15

8.09*

 Overdraft other security base rate

8.99

-0.15

8.84*

* Customer margin may apply (subject to approval) 

** Only available on new lending. Upon expiry of the 1 year discount period, the standard package discount of 0.15% applies. 

^ Interest rate is comprised of either the Term Residential Security Base Rate or Term Other Security Base Rate less a risk based customer discount. This base rate and discount is determined during the assessment of your application for finance. 

 

Short Term Finance

 

Business Overdraft

 

Lending Interest rates (% p.a.) 

Overdraft Residential Security Base Rate 

Overdraft Other Security Base Rate 

Variable

8.24*

8.99*

*Customer margin may apply (subject to approval) 

   

Cashflow Finance

 

Lending Interest rates (% p.a.) 

 Cashflow Finance Base Rate 

Variable

9.14* 

 *Customer margin may apply (subject to approval).  

 

Commercial Rate Loan

Rates are available on application at any branch.

 

Commercial Rate Facility (not available for new loans)

Rates are available on application at any branch.

 

 

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