Membership eligibility applies to join the Bank. All applications for credit are subject to our lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions available online or from any of our offices.
All rates quoted are for new business only and are subject to change.
*Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rate quoted is based on $150,000 for a term of 25 years. Rates apply to secured loans only.
Break Cost fee may be payable if you make an early repayment to your fixed rate loan during a fixed rate period except for a Your Way Plus fixed rate home loan where borrowers are allowed to make early repayments up to $10k per anniversary year. For further details see Package Terms and conditions which are available on our website.
During an interest only period, your interest only repayments will not reduce your loan balance. You may pay more interest over the term of your loan.
If your loan has a redraw facility, you do not need to register to use the redraw facility on your loan account. For more information refer to redraw section of our website. Redraw is available only if borrowers have made additional repayments.
Redraw is not available:
- while loan is funded during construction period;
- when a fixed rate applies to any part of a loan except for Your Way Plus packaged fixed rate loan where borrowers had made additional repayments up to $10,000 per anniversary year.
For further details see Package Terms and conditions which are available on our website.
No additional repayments can be made when a fixed rate applies to any part of the loan except for Your Way Plus fixed rate loan where borrowers are allowed to make early repayments up to $10k per anniversary year. For further details see Package Terms and conditions which are available on our website.
If your loan has an offset facility, terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and conditions and Conditions of use Accounts and access. For more information refer to the Mortgage Offset section of our website.
The Your Way Plus is available as a package home loan with package benefits. A package fee is payable annually. For further details see Package Terms and conditions which are available on our website.
Lenders Mortgage Insurance, or LMI, insures the lender in the event that the borrower defaults on the mortgage. It does not insure the borrower. Borrowers must still meet lending eligibility criteria for both the lender and the LMI provider.
Rates shown are for Principal and Interest repayments (owner occupied) with Loan to Valuation Ratio equal to or less than 60%. Loan to Valuation Ratio (LVR) is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.
Design and Distribution Obligations
The target market for this product will be found within the product’s Target Market Determination, available here.
For home loans no longer offered for sale, please click here.