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Below is where you can compare our home loan rates and view our range of owner occupied home loans. If you're interested in our range of loans for investment purposes click here.
| Home Sweet Home Loan LVR <=70% |
Home Sweet Home Loan LVR >70% |
Fixed Home Loans LVR <=70% |
Fixed Home Loans LVR >70% |
Home Sweet Home Loan LVR <=70% |
Home Sweet Home Loan LVR >70% |
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| Availability | Available for new business only | Available for new business only | ||||
| Repayment Arrangement | Principal & Interest | Principal & Interest | Principal & Interest | Principal & Interest | Interest Only | Interest Only |
| Description | A competitive variable rate home loan where the amount you borrow is less than or equal to 70% of the value of the property. | A competitive variable rate home loan where the amount you borrow is greater than 70% of the value of the property. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. A competitive fixed rate home loan where the amount you borrow is less than or equal to 70% of the value of the property. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. | Available as a short term facility for purposes such as the construction of your home or for bridging finance. Where the amount you borrow is less than or equal to 70% of the value of the property | Available as a short term facility for purposes such as the construction of your home or for bridging finance. Where the amount you borrow is greater than 70% of the value of the property. |
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Loan amounts and repayment terms |
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| Minimum loan amount | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| Maximum loan amount | 70% of property value. | 80% of the property value. If it's a bridging loan: 85% of property value with mortgage insurance. If it's not a bridging loan: 95% of property value with mortgage insurance. |
70% of property value. | 80% of property value. 95% of property value with mortgage insurance | 70% of property value. | 79% of property value. 95% of property value with mortgage insurance |
| Loan period | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years |
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Repayments and redraw options |
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| Repayment frequency | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly |
| Interest only available | No | No | No | No | Yes | Yes |
| Additional repayments accepted | Yes | Yes | Yes* | Yes* | Yes | Yes |
| Redraw available | Yes | Yes | Yes | Yes | Yes | Yes |
| Minimum redraw amount | No minimum | No minimum | No minimum | No minimum | No minimum | No minimum |
| Offset account available | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a |
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Fees |
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| Establishment fee | $350 | $350 | $350 | $350 | $3505 | $3505 |
| Bridging Establishment fee | N/A | N/A | N/A | N/A | $500 | $500 |
| Monthly fee | $0 | $0 | $0 | $0 | $0 | $0 |
| Annual fee | $150 | $150 | $0 | $0 | $150 | $150 |
| Redraw fee | $0 | $0 | $0 | $0 | $0 | $0 |
| Early break fee | No | No | Yes | Yes | No | No |
| Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | |
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Our purpose is to provide personalised banking services to our members. Our Values are ...
It's all about you
Our members are our reason for being, everything we do, we do for them.
A trusted partner
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We will embrace our responsibilities by developing our staff, supporting our communities and respecting the environment.
Important information
*Fees may apply, if over a 12 month period, $30,000 or more is repaid over and above scheduled repayment amounts.
5. Establishment fee is not applicable if the loan purpose is bridging. The Bridging Establishment fee will be applicable in that instance.
