Compare Business Loans
See how our business loans compare, side by side{sub-heading}
Compare loan features{yellow-border}
Compare business lending interest rates.
Account features
Business Overdraft
Business Term Loan
Commercial Rate Loan
Interest charged
Monthly in arrears
Monthly in arrears
Variable charge periods
Interest rate
Variable only
Fixed or variable
Fixed only
(interest rates are set daily for each loan type and each interest period)
Interest only option
n/a
Yes (up to 10 years)*
Yes (up to 5 years)
Minimum loan amount
$10,000
$10,000
$500,000
Maximum loan to value - residential security
- Up to 90% of property value*(less existing debt)
- Up to 80% of property value
(less existing debt)
- Up to 90% of property value*
(less existing debt) - Up to 80% of property value
(less existing debt)
- Up to 90% of property value*
(less existing debt) - Up to 80% of property value
(less existing debt)
Maximum loan to value - other security
- Up to 90% of commercial property value*
- Up to 70% of commercial property value
- Up to 60% of industrial property value
- Up to 90% of commercial property value*
- Up to 70% of commercial property value
- Up to 60% of industrial property value
- Up to 90% of commercial property value*
- Up to 70% of commercial property value
- Up to 60% of industrial property value
Minimum loan term
No minimum
1 year
1 year
Maximum loan term
n/a
Up to 30 years
Up to 5 years
Repaying and accessing your business loan{yellow-border}
Repayment and access types
Business Overdraft
Business Term Loan
Commercial Rate Loan
Repayment type
Interest only paid in arrears
Principal & Interest or Interest only paid in arrears
Interest only paid in arrears or Interest in advance
Repayment frequency
n/a
Weekly, fortnightly, monthly
Variable repayment terms
Additional repayments
n/a
Yes, variable interest rate loans or up to $10,000 during a fixed rate period in any 12-month period
Yes, subject to conditions
Redraw (subject to approval)
n/a
Yes - variable interest rate loans only (except SMSF loans)
Yes – variable interest rate loans only, subject to approval
