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Our lowest variable rate

Basic Home Loan

No frills, no annual fees, just a lower rate.

  • Our simplest home loan
  • Extra repayments with no redraw fee^
  • No ongoing or monthly fees
5.24%p.a
Owner Occupied P&I. LVR up to 60%*
5.27%p.a
Comparison Rate1
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Basic Home Loan rates and fees

  • Owner occupied, principal and interest

    Interest rate (p.a.)*

    Comparison Rate (p.a.)1

    LVR up to 60%

    5.24%

    5.27%

    LVR above 60% - 70%

    5.29%

    5.32%

    LVR above 70% - 80%

    5.34%

    5.37%

    LVR above 80% - 90%

    5.84%

    5.87%

    LVR above 90%

    6.29%

    6.32%

     

  • One-off fees

     

    Establishment fee

    $0

    Settlement fee

    $400

    Redraw fee

    $0

    Ongoing fees

     

    Annual fee

    $0

    Monthly fee

    $0

     

Tools and calculators

Explore our range of calculators and tools, designed to help with estimating your loan repayments, borrowing power and more.

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Loan repayments calculator

See what your repayments could be and how to pay off your loan faster.

Calculate loan repayments.

house-dollar-sign

Borrowing power calculator

Work out how much you can expect to borrow based on your current salary and financial commitments.

Calculate borrowing power.

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Loan comparison calculator

Compare two loans side by side and see which one could save you more.

Compare loans.

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Stamp duty calculator

Determine the associated costs of buying a property, such as stamp duty and Government fees, specific to your state or territory.

Estimate stamp duty.

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Protecting you with market-leading insurance

Our friendly insurance consultants are here to assist you in finding the right cover for your home.

Home and Contents InsuranceLandlord Insurance
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Home and Contents Insurance

Cover for your home and belongings when the unexpected happens.

Get a quote.

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Landlord Insurance

Renting out your property?

Safeguard your investment with coverage against vandalism, fire, theft, and more.

Get a quote.

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Terms and Conditions

 

Important Information

Interest Rates effective 3 September 2025.

Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.

* Interest rates apply to new lending only.

  1. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Comparison rates for variable Interest Only loans are based on an initial 5-year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. Fees and charges apply. Terms and conditions available upon request.

^ Minimum redraw is $500.