Our Home Sweet Home Loan


The rate below includes a honeymoon discount of 0.50%p.a. for 2 years

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%.

5.99 % p.a. Interest rate 6.61 % p.a. Comparison rate

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

Interest Rates

Loan to value ratio (LVR) Interest rate p.a. Comparison rate p.a.
LVR <=70% 5.99% p.a. 6.61% p.a.
LVR >70% 6.14% p.a. 6.75% p.a.

How much would my repayments be?

You will need to adjust the interest rate using the slider tool, to provide an indication of results.

Special Offers

Why choose us?

Our purpose is to provide personalised banking services to our members. Our Values are ...

It's all about you

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A trusted partner

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We will embrace our responsibilities by developing our staff, supporting our communities and respecting the environment.

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