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Find your home sweet home with our competitive variable rate
A variable home loan is ideal for both experienced and first home buyers. Benefit from a variable interest rate and take advantage of flexible repayment options of weekly, fortnightly or monthly. Extra repayments are allowed without penalty.
The rate is reduced if the loan-to-value ratio (LVR) is <= 70% (see rate below). LVR is the loan-to-value ratio is the amount you are borrowing represented as a percentage of the value of the property you are buying e.g. $400,000 loan divided by $500,000 property value is 80%.
Owner occupier, variable, principal & interest, LVR 70% or less.
Special Discount Rate is available for new business only.
Click Interest Rates below for LVR >70% loans.
| Features | LVR <=70% | LVR > 70% |
| Repayment Arrangement | Principal & Interest | Principal & Interest |
| Minimum amount | $50,000 | $50,000 |
| Maximum amount | 70% of property value. | 80% of property value. 95% of property value with mortgage insurance |
| Loan period | Up to 30 years | Up to 30 years |
| Repayment frequency | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly |
| Interest only available | No | No |
| Additional repayments accepted | Yes | Yes |
| Redraw available | Yes | Yes |
| Redraw Fee | $0 | $0 |
| Minimum redraw amount | No minimum | No minimum |
| Offset account available | Yes | Yes |
| Offset fee | $150 p.a. | $150 p.a. |
| Establishment fee | $350 | $350 |
| Bridging Establishment fee | N/A | N/A |
| Monthly fee | $0 | $0 |
| Annual fee | $150 | $150 |
| Early break fee | No | No |
| Loan to value ratio (LVR) | Interest rate p.a. | Comparison rate p.a. |
| LVR <=70% | ||
| LVR >70% |
