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 Value Plus Home Loan Basic Home Loan Handyloan Secured Line of Credit Fixed Home Loans Mortgage Breaker 100% Offset
 Description

A home loan with a 24 month discounted rate

A special home loan with the flexibility to repay and redraw.***

A straight forward home loan that is flexible to your needs.

Use the equity in your home for a line of credit that you can conveniently use to meet your financial needs

Provides you with the peace of mind that comes from knowing that 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.

The Mortgage Breaker allows you to have a savings account of which 100% of the balance is offset against your home loan saving your money.

Interest rates

Interest rate 2.99% p.a. 3.44% p.a. 3.94% p.a. 4.34% p.a. 2.19% p.a. 3.94% p.a.
Comparison rate 3.37% p.a. 3.61% p.a. 4.07% p.a. N/A 3.41% p.a.   4.16% p.a.

Loan amounts and repayment terms

Minimum loan amount $200,000 $50,000 $50,000 $50,000 $50,000 $50,000
Maximum loan amount 80% of property value. 80% of property value. 95% of property value with mortgage insurance 80% of property value. 95% of property value with mortgage insurance 80% of property value. 80% of property value. 95% of property value with mortgage insurance 80% of property value. 95% of property value with mortgage insurance
Loan period Up to 30 years Up to 30 years Up to 30 years Ongoing Up to 30 years Up to 30 years

Repayments and redraw options

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 No No
Additional repayments accepted Yes  Yes  Yes  Yes  Yes*  Yes 
Redraw available Yes Yes Yes No Yes Yes
Minimum redraw amount No minimum No minimum No minimum N/A No minimum No minimum
Offset account available No Yes Yes N/A Yes Yes

Fees

Establishment fee $0 $350 $350 $250 $350 $250
Monthly fee $0 $8  $5 $5 $0 $0
Annual fee $0 $0 $0 $0 $0 $150 
Redraw fee $0 $0 $0 N/A $0 $0
Early break fee No No No No Yes No

Why choose us?

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

We will earn our members' trust everyday by acting honestly, ethically and in their best interests.

People for people

In a world of technological innovation, we understand the value of people.

Committed custodian

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.

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