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Home Loans

Whether it's your first purchase, a life-changing move or a long-term investment, we have a range of home loans to suit your needs.

Book an appointment Enquire now

Compare our range of home loans

Loan purpose

To live in

An investment

My repayments will be

Principal and interest

Interest only

Estimated property value

I'd like to borrow

Your Loan to Value Ratio (LVR)

75.0%

Save another %val% and your variable rates could improve with a lower LVR.

50-60%

60-70%

70-80%

80-90%

> 90%

Save another %val% and your variable rates could improve with a lower LVR.

Our lowest variable rate

family-renovating-kitchen-with-playful-children

Basic Home Loan

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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

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A variable loan with offset

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Complete Home Loan

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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

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A variable loan with multiple offsets

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Premier Package Home Loan

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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

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Certainty of a fixed rate

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Premier Package Home Loan

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5.29^%_p.a

Owner Occupied P&I. LVR up to 80%. 1 year fixed^*

5.81^%_p.a

Comparison Rate¹

5.14^%_p.a

Owner Occupied P&I. LVR up to 80%. 2 years fixed^*

5.77^%_p.a

Comparison Rate¹

5.24^%_p.a

Owner Occupied P&I. LVR up to 80%. 3 years fixed^*

5.77^%_p.a

Comparison Rate¹

5.64^%_p.a

Owner Occupied P&I. LVR up to 80%. 4 years fixed^*

5.90^%_p.a

Comparison Rate¹

5.64^%_p.a

Owner Occupied P&I. LVR up to 80%. 5 years fixed^*

5.91^%_p.a

Comparison Rate¹

5.74^%_p.a

Owner Occupied P&I. LVR above 80% - 90%. 1 year fixed^*

6.60^%_p.a

Comparison Rate¹

5.84^%_p.a

Owner Occupied P&I. LVR above 80% - 90%. 2 years fixed^*

6.56^%_p.a

Comparison Rate¹

5.94^%_p.a

Owner Occupied P&I. LVR above 80% - 90%. 3 years fixed^*

6.55^%_p.a

Comparison Rate¹

6.30^%_p.a

Owner Occupied P&I. LVR above 80% - 90%. 4 years fixed^*

6.66^%_p.a

Comparison Rate¹

6.30^%_p.a

Owner Occupied P&I. LVR above 80% - 90%. 5 years fixed^*

6.66^%_p.a

Comparison Rate¹

5.74^%_p.a

Owner Occupied P&I. LVR above 90%. 1 year fixed^*

7.03^%_p.a

Comparison Rate¹

5.84^%_p.a

Owner Occupied P&I. LVR above 90%. 2 years fixed^*

6.96^%_p.a

Comparison Rate¹

5.94^%_p.a

Owner Occupied P&I. LVR above 90%. 3 years fixed^*

6.90^%_p.a

Comparison Rate¹

6.30^%_p.a

Owner Occupied P&I. LVR above 90%. 4 years fixed^*

6.97^%_p.a

Comparison Rate¹

6.30^%_p.a

Owner Occupied P&I. LVR above 90%. 5 years fixed^*

6.93^%_p.a

Comparison Rate¹

Make extra repayments and redraw without a fee⁴
$390 annual fee applies

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Learn more Apply now

Our lowest variable rate

Basic Home Loan

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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

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Learn more Apply now

A variable loan with offset

Complete Home Loan

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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

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Learn more Apply now

A variable loan with multiple offsets

Premier Package Home Loan

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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

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Learn more Apply now

Certainty of a fixed rate

Premier Package Home Loan

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5.49^%_p.a

Investment P&I. LVR up to 80%. 1 year fixed^*

6.01^%_p.a

Comparison Rate¹

5.39^%_p.a

Investment P&I. LVR up to 80%. 2 years fixed^*

5.97^%_p.a

Comparison Rate¹

5.49^%_p.a

Investment P&I. LVR up to 80%. 3 years fixed^*

5.98^%_p.a

Comparison Rate¹

5.94^%_p.a

Investment P&I. LVR up to 80%. 4 years fixed^*

6.13^%_p.a

Comparison Rate¹

5.94^%_p.a

Investment P&I. LVR up to 80%. 5 years fixed^*

6.15^%_p.a

Comparison Rate¹

6.04^%_p.a

Investment P&I. LVR above 80% - 90%. 1 year fixed^*

6.98^%_p.a

Comparison Rate¹

6.09^%_p.a

Investment P&I. LVR above 80% - 90%. 2 years fixed^*

6.93^%_p.a

Comparison Rate¹

6.29^%_p.a

Investment P&I. LVR above 80% - 90%. 3 years fixed^*

6.93^%_p.a

Comparison Rate¹

6.70^%_p.a

Investment P&I. LVR above 80% - 90%. 4 years fixed^*

7.05^%_p.a

Comparison Rate¹

6.70^%_p.a

Investment P&I. LVR above 80% - 90%. 5 years fixed^*

7.05^%_p.a

Comparison Rate¹

6.04^%_p.a

Investment P&I. LVR above 90%. 1 year fixed^*

7.50^%_p.a

Comparison Rate¹

6.09^%_p.a

Investment P&I. LVR above 90%. 2 years fixed^*

7.39^%_p.a

Comparison Rate¹

6.29^%_p.a

Investment P&I. LVR above 90%. 3 years fixed^*

7.35^%_p.a

Comparison Rate¹

6.70^%_p.a

Investment P&I. LVR above 90%. 4 years fixed^*

7.42^%_p.a

Comparison Rate¹

6.70^%_p.a

Investment P&I. LVR above 90%. 5 years fixed^*

7.38^%_p.a

Comparison Rate¹

Make extra repayments and redraw without a fee⁴
$390 annual fee applies

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Learn more Apply now

Our lowest variable rate

Basic Home Loan

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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

Loading content…

Learn more Apply now

A variable loan with offset

Complete Home Loan

Loading content…

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

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Learn more Apply now

A variable loan with multiple offsets

Premier Package Home Loan

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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

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Learn more Apply now

Certainty of a fixed rate

Premier Package Home Loan

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5.64^%_p.a

Investment interest only. LVR up to 80%. 1 year fixed^*

6.02^%_p.a

Comparison Rate¹

5.54^%_p.a

Investment interest only. LVR up to 80%. 2 years fixed^*

6.00^%_p.a

Comparison Rate¹

5.64^%_p.a

Investment interest only. LVR up to 80%. 3 years fixed^*

6.02^%_p.a

Comparison Rate¹

6.09^%_p.a

Investment interest only. LVR up to 80%. 4 years fixed^*

6.18^%_p.a

Comparison Rate¹

6.09^%_p.a

Investment interest only. LVR up to 80%. 5 years fixed^*

6.22^%_p.a

Comparison Rate¹

6.19^%_p.a

Investment interest only. LVR above 80%. 1 year fixed^*

6.99^%_p.a

Comparison Rate¹

6.24^%_p.a

Investment interest only. LVR above 80%. 2 years fixed^*

6.96^%_p.a

Comparison Rate¹

6.44^%_p.a

Investment interest only. LVR above 80%. 3 years fixed^*

6.98^%_p.a

Comparison Rate¹

6.85^%_p.a

Investment interest only. LVR above 80%. 4 years fixed^*

7.11^%_p.a

Comparison Rate¹

6.85^%_p.a

Investment interest only. LVR above 80%. 5 years fixed^*

7.12^%_p.a

Comparison Rate¹

Make extra repayments and redraw without a fee⁴
$390 annual fee applies

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Learn more Apply now

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 Insurance⁴.

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Speak to us

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.

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Learn more

It's easy to get started

Ready to apply?Ready to apply?

Save time and apply online for a home loan or to refinance.

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Apply now

Make an enquiryMake an enquiry

Not ready to apply but simply wish to make an enquiry?

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Enquire now

Book an appointmentBook an appointment

Our Mobile Bankers can come to you at home, work, or virtually.

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Book appointment

Manage home loanManage home loan

There are ways to stay and save with us. Request a change to your home loan account.

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Submit a request

Home loan calculators

Explore our range of calculators, designed to help you estimate loan repayments, compare home loan products and manage your money effectively.

Loan repayments calculator

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

Calculate loan repayments.

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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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Budget planner calculator

Track your income and spending to stay on top of your money.

Plan your budget.

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Important Information

Home Loan Interest Rates effective 18 November 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.

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Home Loans

How to apply

Manage my home loan

Compare our home loans

Interest rates

Calculators

Home loan resources

Compare our range of home loans

Basic Home Loan

Complete Home Loan

Premier Package Home Loan

Premier Package Home Loan

Basic Home Loan

Complete Home Loan

Premier Package Home Loan

Premier Package Home Loan

Basic Home Loan

Complete Home Loan

Premier Package Home Loan

Premier Package Home Loan

We're here to help you

It's easy to get started

Ready to apply?Ready to apply?

Make an enquiryMake an enquiry

Book an appointmentBook an appointment

Manage home loanManage home loan

Home loan calculators

Loan repayments calculator

Borrowing power calculator

Loan comparison calculator

Stamp duty calculator

Budget planner calculator