Home Loans
Compare our range of home loans
75.0%
Save another %val% and your variable rates could improve with a lower LVR.
50-60%
60-70%
70-80%
80-90%
> 90%
Our lowest variable rate
Basic Home Loan
5.24%p.a
Owner Occupied P&I. LVR up to 60%*
5.27%p.a
Comparison Rate1
5.29%p.a
Owner Occupied P&I. LVR above 60% - 70%*
5.32%p.a
Comparison Rate1
5.34%p.a
Owner Occupied P&I. LVR above 70% - 80%*
5.37%p.a
Comparison Rate1
5.84%p.a
Owner Occupied P&I. LVR above 80% - 90%*
5.87%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 90%*
6.32%p.a
Comparison Rate1
- Our simplest home loan with no offset
- Make extra repayments and redraw without a fee⁴
- No ongoing or monthly fees
A variable loan with offset
Complete Home Loan
5.34%p.a
Owner Occupied P&I. LVR up to 60%*
5.37%p.a
Comparison Rate1
5.39%p.a
Owner Occupied P&I. LVR above 60% - 70%*
5.42%p.a
Comparison Rate1
5.44%p.a
Owner Occupied P&I. LVR above 70% - 80%*
5.47%p.a
Comparison Rate1
5.94%p.a
Owner Occupied P&I. LVR above 80% - 90%*
5.97%p.a
Comparison Rate1
6.39%p.a
Owner Occupied P&I. LVR above 90%*
6.42%p.a
Comparison Rate1
- 100% variable offset²
- Competitive variable rate
- No ongoing or monthly fees
A variable loan with multiple offsets
Premier Package Home Loan
5.34%p.a
Owner Occupied P&I. LVR up to 60%*
5.73%p.a
Comparison Rate1
5.39%p.a
Owner Occupied P&I. LVR above 60% - 70%*
5.78%p.a
Comparison Rate1
5.44%p.a
Owner Occupied P&I. LVR above 70% - 80%*
5.83%p.a
Comparison Rate1
6.28%p.a
Owner Occupied P&I. LVR above 80% - 90%*
6.65%p.a
Comparison Rate1
6.78%p.a
Owner Occupied P&I. LVR above 90%*
7.14%p.a
Comparison Rate1
- Up to 8 offset accounts²
- Split your home loan into a variable and fixed option
- Enjoy discounts on other products
Certainty of a fixed rate
Premier Package Home Loan
5.74%p.a
Owner Occupied P&I. LVR up to 80%. 1 year fixed*
5.86%p.a
Comparison Rate1
5.49%p.a
Owner Occupied P&I. LVR up to 80%. 2 years fixed*
5.84%p.a
Comparison Rate1
5.59%p.a
Owner Occupied P&I. LVR up to 80%. 3 years fixed*
5.87%p.a
Comparison Rate1
5.99%p.a
Owner Occupied P&I. LVR up to 80%. 4 years fixed*
6.02%p.a
Comparison Rate1
5.99%p.a
Owner Occupied P&I. LVR up to 80%. 5 years fixed*
6.06%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%. 1 year fixed*
6.64%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%. 2 years fixed*
6.63%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 80% - 90%. 3 years fixed*
6.65%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 80% - 90%. 4 years fixed*
6.79%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 80% - 90%. 5 years fixed*
6.81%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 90%. 1 year fixed*
7.08%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 90%. 2 years fixed*
7.03%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 90%. 3 years fixed*
7.00%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 90%. 4 years fixed*
7.10%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 90%. 5 years fixed*
7.09%p.a
Comparison Rate1
- Make extra repayments and redraw without a fee⁴
- $390 annual fee applies
Our lowest variable rate
Basic Home Loan
5.44%p.a
Investment P&I. LVR up to 60%*
5.47%p.a
Comparison Rate1
5.49%p.a
Investment P&I. LVR above 60% - 70%*
5.52%p.a
Comparison Rate1
5.54%p.a
Investment P&I. LVR above 70% - 80%*
5.57%p.a
Comparison Rate1
6.14%p.a
Investment P&I. LVR above 80% - 90%*
6.17%p.a
Comparison Rate1
6.79%p.a
Investment P&I. LVR above 90%*
6.82%p.a
Comparison Rate1
- Our simplest home loan with no offset
- Make extra repayments and redraw without a fee⁴
- No ongoing or monthly fees
A variable loan with offset
Complete Home Loan
5.54%p.a
Investment P&I. LVR up to 60%*
5.57%p.a
Comparison Rate1
5.59%p.a
Investment P&I. LVR above 60% - 70%*
5.62%p.a
Comparison Rate1
5.64%p.a
Investment P&I. LVR above 70% - 80%*
5.67%p.a
Comparison Rate1
6.24%p.a
Investment P&I. LVR above 80% - 90%*
6.27%p.a
Comparison Rate1
6.89%p.a
Investment P&I. LVR above 90%*
6.92%p.a
Comparison Rate1
- 100% variable offset²
- Competitive variable rate
- No ongoing or monthly fees
A variable loan with multiple offsets
Premier Package Home Loan
5.54%p.a
Investment P&I. LVR up to 60%*
5.92%p.a
Comparison Rate1
5.59%p.a
Investment P&I. LVR above 60% - 70%*
5.97%p.a
Comparison Rate1
5.64%p.a
Investment P&I. LVR above 70% - 80%*
6.02%p.a
Comparison Rate1
6.68%p.a
Investment P&I. LVR above 80% - 90%*
7.05%p.a
Comparison Rate1
7.28%p.a
Investment P&I. LVR above 90%*
7.64%p.a
Comparison Rate1
- Up to 8 offset accounts²
- Split your home loan into a variable and fixed option
- $390 annual fee applies
Certainty of a fixed rate
Premier Package Home Loan
5.94%p.a
Investment P&I. LVR up to 80%. 1 year fixed*
6.05%p.a
Comparison Rate1
5.84%p.a
Investment P&I. LVR up to 80%. 2 years fixed*
6.06%p.a
Comparison Rate1
5.84%p.a
Investment P&I. LVR up to 80%. 3 years fixed*
6.08%p.a
Comparison Rate1
6.29%p.a
Investment P&I. LVR up to 80%. 4 years fixed*
6.26%p.a
Comparison Rate1
6.29%p.a
Investment P&I. LVR up to 80%. 5 years fixed*
6.30%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 80% - 90%. 1 year fixed*
7.03%p.a
Comparison Rate1
6.54%p.a
Investment P&I. LVR above 80% - 90%. 2 years fixed*
7.02%p.a
Comparison Rate1
6.64%p.a
Investment P&I. LVR above 80% - 90%. 3 years fixed*
7.03%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 80% - 90%. 4 years fixed*
7.18%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 80% - 90%. 5 years fixed*
7.21%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 90%. 1 year fixed*
7.55%p.a
Comparison Rate1
6.54%p.a
Investment P&I. LVR above 90%. 2 years fixed*
7.49%p.a
Comparison Rate1
6.64%p.a
Investment P&I. LVR above 90%. 3 years fixed*
7.45%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 90%. 4 years fixed*
7.55%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 90%. 5 years fixed*
7.53%p.a
Comparison Rate1
- Make extra repayments and redraw without a fee⁴
- $390 annual fee applies
Our lowest variable rate
Basic Home Loan
5.69%p.a
Investment interest only. LVR up to 60%*
5.58%p.a
Comparison Rate1
5.74%p.a
Investment interest only. LVR above 60% - 70%*
5.63%p.a
Comparison Rate1
5.79%p.a
Investment interest only. LVR above 70% - 80%*
5.68%p.a
Comparison Rate1
6.39%p.a
Investment interest only. LVR above 80% - 90%*
6.28%p.a
Comparison Rate1
7.04%p.a
Investment interest only. LVR above 90%*
6.94%p.a
Comparison Rate1
- Our simplest home loan with no offset
- Make extra repayments and redraw without a fee⁴
- No ongoing or monthly fees
A variable loan with offset
Complete Home Loan
5.79%p.a
Investment interest only. LVR up to 60%*
5.68%p.a
Comparison Rate1
5.84%p.a
Investment interest only. LVR above 60% - 70%*
5.73%p.a
Comparison Rate1
5.89%p.a
Investment interest only. LVR above 70% - 80%*
5.78%p.a
Comparison Rate1
6.49%p.a
Investment interest only. LVR above 80% - 90%*
6.38%p.a
Comparison Rate1
7.14%p.a
Investment interest only. LVR above 90%*
7.04%p.a
Comparison Rate1
- 100% variable offset²
- Competitive variable rate
- No ongoing or monthly fees
A variable loan with multiple offsets
Premier Package Home Loan
5.79%p.a
Investment interest only. LVR up to 60%*
6.03%p.a
Comparison Rate1
5.84%p.a
Investment interest only. LVR above 60% - 70%*
6.05%p.a
Comparison Rate1
5.89%p.a
Investment interest only. LVR above 70% - 80%*
6.13%p.a
Comparison Rate1
6.93%p.a
Investment interest only. LVR above 80% - 90%*
7.16%p.a
Comparison Rate1
7.53%p.a
Investment interest only. LVR above 90%*
7.75%p.a
Comparison Rate1
- Up to 8 offset accounts²
- Split your home loan into a variable and fixed option
- $390 annual fee applies
Certainty of a fixed rate
Premier Package Home Loan
6.09%p.a
Investment interest only. LVR up to 80%. 1 year fixed*
6.07%p.a
Comparison Rate1
5.99%p.a
Investment interest only. LVR up to 80%. 2 years fixed*
6.09%p.a
Comparison Rate1
5.99%p.a
Investment interest only. LVR up to 80%. 3 years fixed*
6.12%p.a
Comparison Rate1
6.44%p.a
Investment interest only. LVR up to 80%. 4 years fixed*
6.31%p.a
Comparison Rate1
6.44%p.a
Investment interest only. LVR up to 80%. 5 years fixed*
6.37%p.a
Comparison Rate1
6.64%p.a
Investment interest only. LVR above 80%. 1 year fixed*
7.04%p.a
Comparison Rate1
6.69%p.a
Investment interest only. LVR above 80%. 2 years fixed*
7.05%p.a
Comparison Rate1
6.79%p.a
Investment interest only. LVR above 80%. 3 years fixed*
7.08%p.a
Comparison Rate1
7.20%p.a
Investment interest only. LVR above 80%. 4 years fixed*
7.24%p.a
Comparison Rate1
7.20%p.a
Investment interest only. LVR above 80%. 5 years fixed*
7.28%p.a
Comparison Rate1
- Make extra repayments and redraw without a fee⁴
- $390 annual fee applies
We're here to help you
Supporting Teachers and Healthcare workers
We've reduced the home loan deposit required for Teachers and Healthcare workers. This means you can now have a deposit of 10% and can borrow up to 90% of the property value without having to pay Lenders Mortgage Insurance3.
Australian Government 5% Deposit Scheme
The Scheme makes home ownership more achievable by helping you buy sooner with a small deposit, supported by a Government guarantee.
It's easy to get started
Home loan calculators
Loan repayments calculator
See what your repayments could be and how to pay off your loan faster.
Borrowing power calculator
Work out how much you can expect to borrow based on your current salary and financial commitments.
Loan comparison calculator
Compare two loans side by side and see which one could save you more.
Stamp duty calculator
Determine the associated costs of buying a property, such as stamp duty and Government fees, specific to your state or territory.
Budget planner calculator
Track your income and spending to stay on top of your money.
Important Information
Home Loan Interest Rates effective 3 October 2025.
*Interest rates apply to new lending only.
Credit criteria applies.
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.
Offset accounts cannot be linked to fixed rate loans.
Available for First Home Buyer Owner Occupied loans only. Applicants need to be employed within the Education and/or Healthcare sectors and ineligible for any Government Schemes. Excludes loans being refinanced, off-the-plan and Construction Loans. Postcode lending restrictions may apply. Credit criteria applies.
Minimum redraw is $500.