Home Loans

Introductory Home Loan (Variable)

Save from the start with a discounted variable rate

• Discounted variable rate for the first 3 years
• Offset Account and Free Redraw
• Fee discounts on your linked accounts

3.98% pa
Variable Rate (up to 80%LVR)

4.48% pa
Comparison Rate

Introductory Home Loan (Fixed)

Peace of mind from the start with a fixed rate

• Discounted fixed rate for the first 1, 2 or 3 years
• Reduced interest rate on our Visa Classic
• Fee discounts on your everyday account

3.64% pa
1yr Fixed Rate (up to 80%LVR)

4.54% pa
Comparison Rate

Basic Home Loan

A Basic Home Loan is designed for home buyers and investors who want a simple loan with no-frills and a low variable interest rate.

• Discounted interest rate 0.80% off the standard variable rate
• Borrow up to 95% of the purchased price
• Visa Credit Card with reduced rate for the life of the loan
• Flexible repayment options
• Loan redraw available

4.82% pa
Variable Rate

4.97% pa
Comparison Rate

Dream Value Home Loan

All the bells and whistles from our current Home Loan Value Package, topped off with the ultimate discounted rate ranging from 1.24% to 1.49% off the standard variable mortgage rates.

• For borrowings $150,000 and over
• No establishment fee
• Visa Classic with discounted interest rate and no annual fee
• 100% offset account available
• Free redraw
• $350 annual package fee

4.13% pa
Variable Rate (up to 80%LVR)

4.47% pa
Comparison Rate

Home Loan Value Package

A Home Loan packaged with added benefits, for loans with a total balance of $150,000 or more. A great reward to our Members for banking with us!

• For borrowings $150,000 and over
• Discounted interest rate loan from 0.50% to 0.95% discount off the standard variable mortgage rate
• No establishment fee
• Credit Card with discounted interest rate and no annual fee
• 100% offset account available
• Enjoy fee discounts on your everyday account for the life of your loan
• Free redraw

5.12% pa
Variable Rate (Tier 1)²

5.44% pa
Comparison Rate

Fixed Rate Home Loan

Our fixed rate Smart Home Loan is designed to provide you with security. Enjoy the peace of mind knowing that your regular monthly repayments are set over a period of time that suits you. After the fixed rate period your interest rate reverts to the standard variable rate.

• Choose to fix your interest rate for 1, 2, 3 or 5 years
• Peace of mind in knowing what your month-to-month repayments will be
• Free redraw facility
• Fee discounts on your everyday account for life of the loan
• Save with our Classic Visa, with a reduced interest rate for the life of your loan

4.09% pa
 2 Year Fixed Rate

5.46% pa
Comparison Rate

Smart Home Loan

Our standard variable rate Smart Home Loan is a flexible home loan packed with smart features for purchasing or refinancing your home or investment property.

• Borrow up to 95% of the purchase price
• Free redraw facility
• Enjoy fee discounts on your linked savings account for the life of your loan
• 100% Offset Account available
• Save with our Classic Visa, with a reduced interest rate for the life of your loan

5.62% pa
Variable Rate

5.75% pa
Comparison Rate

Land Loan

Start your dreams without the pressure to build immediately.

• Borrow up to 90% of the value of your land subject to Lenders Mortgage Insurance requirements.
• Start paying off your land loan while you plan the construction of your home
• Obtain the same benefits for your land loan as you would for a Northern Inland Smart Home Loan based on the loan type selected.

Construction Loans

Northern Inland’s Construction Loan offers the competitive interest rates of our Smart Home Loans. Instead of drawing down your loan in full, your loan is repaid in progressive drawings under advice from your builder or on the production of invoices until completion of your building.

• Borrow up to 95% of your house and land package subject to Lenders Mortgage Insurance requirements
• Save on interest by drawing down your home loan progressively. You are only charged interest on the progressive drawn down loan balance
• Interest only repayments during construction

First Home Buyer

Get a head start with your first home loan

• No establishment fee (save $600)
• Borrow up to 95% of the purchased price
• VISA credit card approved with a $2,000 limit and reduced interest rate
• Choice of fixed or variable rate

Introductory Home Loan (Variable)

Save from the start with a discounted variable rate

• Discounted variable rate for the first 3 years
• Offset Account and Free Redraw
• Fee discounts on your linked accounts

4.48% pa
Variable Rate (up to 80%LVR)

4.48% pa
Comparison Rate

Introductory Home Loan (Fixed)

Peace of mind from the start with a fixed rate

• Discounted fixed rate for the first 1, 2, or 3 years
• Reduced interest rate on our Visa Classic
• Fee discounts on your everyday account

3.64% pa
1yr Fixed Rate (up to 80%LVR)

4.54% pa
Comparison Rate

Basic Home Loan

A Basic Home Loan is designed for home buyers and investors who want a simple loan with no-frills and a low variable interest rate.

• Discounted interest rate 0.80% off the standard variable rate
• Borrow up to 95% of the purchased price
• Visa Credit Card with reduced rate for the life of the loan
• Flexible repayment options
• Loan redraw available

4.82% pa
Variable Rate

4.97% pa
Comparison Rate

Dream Value Home Loan

All the bells and whistles from our current Home Loan Value Package, topped off with the ultimate discounted rate ranging from 1.04% to 1.29% off the investment standard variable mortgage rate.

• For borrowings $300,000 and over
• No establishment fee
• Visa Classic with discounted interest rate and No Annual Fee
• 100% offset account available

4.13% pa
Variable Rate

4.47% pa
Comparison Rate

Home Loan Value Package

A Home Loan packaged with added benefits, for loans with a total balance of $150,000 or more. A great reward to our Members for banking with us!

• For borrowings $250,000 and over
• Discounted interest rate loan from 0.50% to 0.95% discount off the standard variable mortgage rate
• No establishment fee
• Credit Card with reduced interest rate and no annual fee
• 100% offset account available
• Enjoy fee discounts on your everyday account for the life of your loan
• Free redraw

5.12% pa¹
Variable Rate (Tier 1)

5.44% pa
Comparison Rate

Fixed Rate Home Loan

Our fixed rate Smart Investment Home Loan is designed to provide you with security for your investment property. Enjoy the peace of mind knowing that your regular monthly repayments are set over a period of time that suits you. After the fixed rate period your interest rate reverts to the standard investment variable rate.

• Choose to fix your interest rate for 1 to 3 years
• Peace of mind in knowing what your month-to-month repayments will be
• Free redraw facility
• Fee discounts on your everyday account for life of the loan
• Save with our Classic Visa, with a reduced interest rate for the life of your loan

4.09% pa
1 Year Fixed Rate

5.46% pa
Comparison Rate

Smart Home Loan

Our standard variable rate Smart Home Loan is a flexible home loan packed with smart features for purchasing or refinancing your home or investment property. You can even borrow to build your dream home or make major home improvements.

• Borrow up to 95% of the purchase price
• Free redraw facility
• Enjoy fee discounts on your linked savings account for the life of your loan
• 100% Offset Account available
• Save with our Classic Visa, with a reduced interest rate for the life of your loan

5.62% pa
Variable Rate

5.75% pa
Comparison Rate

Land Loan

Start your dreams without the pressure to build immediately.

• Borrow up to 90% of the value of your land subject to Lenders Mortgage Insurance requirements.
• Start paying off your land loan while you plan the construction of your home
• Obtain the same benefits for your land loan as you would for a Northern Inland Smart Home Loan based on the loan type selected.

Construction Loans

Northern Inland’s Construction Loan offers the competitive interest rates of our Smart Home Loans. Instead of drawing down your loan in full, your loan is repaid in progressive drawings under advice from your builder or on the production of invoices until completion of your building.

• Borrow up to 95% of your house and land package subject to Lenders Mortgage Insurance requirements
• Save on interest by drawing down your home loan progressively. You are only charged interest on the progressive drawn down loan balance
• Interest only repayments during construction

First Home Buyer

Get a head start with your first home loan

• No establishment fee (save $600)
• Borrow up to 95% of the purchased price
• VISA credit card approved with a $2,000 limit and reduced interest rate
• Choice of fixed or variable rate