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4.27% pa
Variable Rate

4.42% pa
Comparison Rate

Enquire OnlineBook an Appointment

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

4.27% pa
Variable Rate

4.42% pa
Comparison Rate

Enquire OnlineBook an Appointment

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



  Owner-Occupied Product Features:
Basic Home Loan (Owner Occupied)
Interest Rates
Variable interest rate4.27% pa
Comparison rate4.42% pa
Interest ChargesCalculated daily, charged monthly
Fees
Establishment fee$500 
Monthly fee$10 
Annual fee$0 
Redraw fee$10 1
Redraw Fee (In Branch)$20 1
Features
Minimum loan amount$20,000 
Maximum term (years)30 
Free Redraw FacilityMinimum $500 per draw
Loan repayment insuranceYes 
Additional repayments acceptedYes 
Reduced Interest Rate - Visa Credit Card Yes
Branch / Online AccessYes
Smart Offset Account AvailableNo
Split Loan Rate Options ( Fixed Variable)No
Member Loyalty ProgramNo

  Investment Product Features:
Basic Home Loan (Investment)
Interest Rates
Variable interest rate4.27% pa
Comparison rate4.42% pa
Interest ChargesCalculated daily, charged monthly
Fees
Establishment fee$500 
Monthly fee$10 
Annual fee$0 
Redraw fee$10 1
Redraw Fee (In Branch)$20 1
Features
Minimum loan amount$20,000 
Maximum term (years)30 
Free Redraw FacilityMinimum $500 per draw
Loan repayment insuranceYes 
Additional repayments acceptedYes 
Reduced Interest Rate - Visa Credit Card Yes
Branch / Online AccessYes
Smart Offset Account AvailableNo
Split Loan Rate Options ( Fixed Variable)No
Member Loyalty ProgramNo

 

  Additional Product Information:

 

Important Information:

Credit criteria and fees and charges apply. Terms and Conditions are available on application. Rates advertised applies to loans with 25 year terms for $150,000. WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

* Personal Memberships only for new and refinance mortgages. The home loan account must not be in arrears or in default of the terms and conditions of the loan.
# Lenders Mortgage Insurance approval required for borrowings over 80%

1 $10 is charged if redraw is done via Online/Phone banking. A fee of $20 is applicable if redraw is done in branch.