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Home Loan Variable: 5.94% (5.95%*) • Home Loan Fixed: 5.79% (6.39%*) • Fixed: 5.79% (6.39%*) • Variable: 5.94% (5.95%*) • Investment IO: 6.19% (6.85%*) • Investment PI: 5.99% (6.61%*)

  Fixed Rate Home Loan

Lock in a little certainty with a fixed interest rate for 1-5 years.
Category: Home Loans  Last Updated January 30, 2024  Effective May 3, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.15% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.
Interest Rate
6.49% PA
Comparison Rate
7.54%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 8.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 9.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 8.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 8.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 8.25%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 8.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 8.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 8.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 7.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.08%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 8.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 9.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 9.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.92%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 9.02%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 8.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 8.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.88%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 7.80%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 8.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.06%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 8.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.89%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.99%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 7.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 9.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 9.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 9.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 8.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 8.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 9.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 8.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 9.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 8.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.55%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 8.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.32%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 8.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 9.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 9.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 9.78%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 9.06%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 9.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 9.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.88%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 9.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.66%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 9.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.61%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.44%, Comparison Rate 8.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 8.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 8.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 8.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 8.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.80%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 8.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 8.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.40%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 8.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 8.21%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 8.30%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.59%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.13%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 8.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.11%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 8.40%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 8.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 8.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Flexible repayments : Choose to make your repayments weekly, fortnightly or monthly
  • Other Additional Information: Lock in your fixed rate when you apply. This way for a fee, you are protected from the possibility of rising interest rates. If the current rate falls below your 'locked in' rate on your settlement date, you'll be given the lower rate. Rate Lock will hold the current fixed rate for up to 90 days after you have locked in the rate for a fee of 0.15% of the loan amount (minimum fee amount $500). Once approved, you will need to pay the Rate Lock fee before drawdown of their loan.
  • Other Additional Information: Interest in advance : Choose to pay interest in advance on investment loans and get 0.2% p.a. off the fixed interest rate for the interest in advance period.
  • Other Additional Information: Family Pledge : Use the equity in a family member's home to help you on your home buying journey and maximise the amount you can borrow.
  • Complementary Product Discounts
  • Other Additional Information: At the end of your fixed rate period, choose to re-fix your interest rate for another fixed rate period or let it revert automatically to our standard variable interest rate
  • Cashback Offer Additional Information: $2K Cashback when you Refinance. Apply from 1st September 2023. Settlement must occur within 120 days of applying. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $2K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.
  • Other Additional Information: Substituting a security : You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security.
  • Other Additional Information: Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request
  • Other Additional Information: Complete your refinance loan application with FASTRefi. A faster and easier refinancing process compared to the standard way - so you could access your new St George home loan in days, as opposed to weeks. Eligibility applies.
  • Other Additional Information: Package can include the following : 1. Package residential home and investment loans 2. Package Portfolio Loan 3. Package full interest offset facility 4. Package credit card 5. Package Insurance
  • Other Additional Information: Cancellation of the package : A package owner may cancel the package at any time by giving us 14 days advance notice in writing.
  • Extra Repayments Additional Information: Subject to terms and conditions, this product includes extra repayment features.
  • Fraud Protection Additional Information: The product includes fraud protection features.
  • Guarantor Additional Information: Subject to terms and conditions, this product includes guarantor features.
  • Relationship Management Additional Information: Relationship management is available for eligible customers.

 Product Eligibility

  • Min Age - 18. Additional Information: Applicant should be 18 years or over
  • Residency Status - Should Be An Australian Or New Zealand Citizen(s) Or Permanent Resident(s).

 Bank Fees and Charges

  • Lending Establishment Fee (Upfront), Amount: 600.00.
  • Loan Account Fee (Periodic), Amount: 8.00.
  • Document Processing Fee (Event), Amount: 100.00. Additional Information: The Settlement Processing Fee, is a fee charged as apart of the fees for Loan Establishment. It is the fee charged for the processing of settlement services. These can include document validation, value transaction processing and, conveyancing activities required for mortgage lending settlements.
  • Property Valuer Fee (Variable), Amount: Not Listed.. Additional Information: The Fee starts from $ 164 and the amount payable is dependent on location/value of security property(is)
  • Missed Payment Fee (Event), Amount: 15.00. Additional Information: Fee payable when we send customer an arrears letter relating to an overdue amount
  • Loan Discharge Fee (Event), Amount: 350.00. Additional Information: Per Mortgage
  • Lenders Mortgage Insurance Premium (Variable), Amount: Not Listed.. Additional Information: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance reduces bank's risk as a lender when providing a home loan, you may be able to apply for a home loan and get into your home sooner, with a lower deposit. Lenders Mortgage Insurance insures bank for any shortfall in the event that you default on your loan and if the proceeds from the property sale are not enough to pay off the loan in full. The cost of Lenders Mortgage Insurance is calculated as a percentage of the loan amount. The percentage applied will vary depending on a number of factors. Please speak to your lender if you would like to understand this process in more detail. The cost of Lenders Mortgage Insurance premium is passed on to you. We do not receive a commission on Lenders Mortgage Insurance.
  • Annual Advantage Package Fee (Periodic), Amount: 395.00.
  • Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: Break costs are an amount equal to the Bank's reasonable estimate of its loss due to breaking of the fixed rate period or early repayment of a fixed rate loan.

 Document Downloads

…

Download our 40-page First Home Buyer Guide. It'll provide you with a framework that'll support your first home purchase.


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