Complete Investment Loan

Whether you’re building, investing or just taking your next property step, the Complete Home Loan gives you a lower interest rate, flexible repayments and no redraw fees.

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A variable loan with offset

5.54^%_p.a

Variable interest rate^*

5.57^%_p.a

Comparison Rate¹

Investment P&I
LVR up to 60%

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100% variable offset²100% variable offset²

Helps you reduce interest and pay off your home loan sooner.

Competitive interest ratesCompetitive interest rates

A home loan with a competitive variable rate.

Save on feesSave on fees

No ongoing or monthly fees.

Rates and Fees

Principal and Interest

Interest rate (p.a.)*
Comparison Rate (p.a.)¹
LVR up to 60%
5.54%
5.57%
LVR above 60% - 70%
5.59%
5.62%
LVR above 70% - 80%
5.64%
5.67%
LVR above 80% - 90%
6.24%
6.27%
LVR above 90%
6.89%
6.92%

Interest only

Interest rate (p.a.)*
Comparison Rate (p.a.)¹
LVR up to 60%
5.79%
5.68%
LVR above 60% - 70%
5.84%
5.73%
LVR above 70% - 80%
5.89%
5.78%
LVR above 80% - 90%
6.49%
6.38%
LVR above 90%
7.14%
7.04%

Interest only - Construction loans

Interest rate (p.a.)*
Comparison Rate (p.a.)¹
LVR up to 80%
5.89%
5.70%
LVR above 80% - 90%
6.49%
6.30%
LVR above 90%
7.14%
6.95%
Principal and Interest
LVR up to 80%

Interest rate (p.a.)
Comparison Rate (p.a.)¹
1 Year
6.04%
5.71%
2 Years
5.94%
5.73%
3 Years
5.94%
5.76%
4 Years
6.39%
5.95%
5 Years
6.39%
6.00%
LVR above 80% - 90%

Interest rate (p.a.)
Comparison Rate (p.a.)¹
1 Year
6.59%
6.31%
2 Years
6.64%
6.35%
3 Years
6.74%
6.42%
4 Years
7.15%
6.61%
5 Years
7.15%
6.68%
LVR above 90%

Interest rate (p.a.)
Comparison Rate (p.a.)¹
1 Year
6.59%
6.89%
2 Years
6.64%
6.87%
3 Years
6.74%
6.88%
4 Years
7.15%
7.02%
5 Years
7.15%
7.04%

Interest only
LVR up to 80%

Interest rate (p.a.)²
Comparison Rate (p.a.)¹
1 Year
6.19%
5.73%
2 Years
6.09%
5.76%
3 Years
6.09%
5.80%
4 Years
6.54%
6.00%
5 Years
6.54%
6.07%
LVR above 80%

Interest rate (p.a.)²
Comparison Rate (p.a.)¹
1 Year
6.74%
6.33%
2 Years
6.79%
6.38%
3 Years
6.89%
6.46%
4 Years
7.30%
6.67%
5 Years
7.30%
6.75%
One-off Fees

Establishment fee
$0
Settlement fee
$400
Redraw fee
$0
Ongoing Fees

Annual fee
$0
Monthly fee
$0

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
LVR up to 60%	5.54%	5.57%
LVR above 60% - 70%	5.59%	5.62%
LVR above 70% - 80%	5.64%	5.67%
LVR above 80% - 90%	6.24%	6.27%
LVR above 90%	6.89%	6.92%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
LVR up to 60%	5.79%	5.68%
LVR above 60% - 70%	5.84%	5.73%
LVR above 70% - 80%	5.89%	5.78%
LVR above 80% - 90%	6.49%	6.38%
LVR above 90%	7.14%	7.04%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
LVR up to 80%	5.89%	5.70%
LVR above 80% - 90%	6.49%	6.30%
LVR above 90%	7.14%	6.95%

	Interest rate (p.a.)	Comparison Rate (p.a.)¹
1 Year	6.04%	5.71%
2 Years	5.94%	5.73%
3 Years	5.94%	5.76%
4 Years	6.39%	5.95%
5 Years	6.39%	6.00%

	Interest rate (p.a.)	Comparison Rate (p.a.)¹
1 Year	6.59%	6.31%
2 Years	6.64%	6.35%
3 Years	6.74%	6.42%
4 Years	7.15%	6.61%
5 Years	7.15%	6.68%

	Interest rate (p.a.)	Comparison Rate (p.a.)¹
1 Year	6.59%	6.89%
2 Years	6.64%	6.87%
3 Years	6.74%	6.88%
4 Years	7.15%	7.02%
5 Years	7.15%	7.04%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.19%	5.73%
2 Years	6.09%	5.76%
3 Years	6.09%	5.80%
4 Years	6.54%	6.00%
5 Years	6.54%	6.07%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.74%	6.33%
2 Years	6.79%	6.38%
3 Years	6.89%	6.46%
4 Years	7.30%	6.67%
5 Years	7.30%	6.75%


Establishment fee	$0
Settlement fee	$400
Redraw fee	$0


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.

Loan repayments calculator

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

Calculate loan repayments.

Borrowing power calculator

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

Calculate borrowing power.

Loan comparison calculator

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

Compare loans.

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.

Home Loan Comparison Tool

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.

Compare our Home Loans

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It's easy to get started

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

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Make an enquiryMake an enquiry

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Book an appointmentBook an appointment

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

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Manage home loanManage home loan

Request a change to your home loan account.

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Additional information

For a full list of Home Loan Interest Rates please refer to our Interest Rates page
Offset Facility
The offset facility is a separate account used in conjunction with your home loan account. With 100% offset, we deduct your transaction account balance from your Home Loan balance and you only pay interest on the reduced amount. For example, if the amount borrowed is $200,000 and the balance of the offset account is $20,000, interest will only be calculated on $180,000.²
Repayments
Principal & interest repayments.
Loan to Value Ratio (LVR)
Lenders Mortgage Insurance (LMI) is only required if the loan exceeds 80% of the property value or 85% for Premier Package Home Loan holders where approval conditions are met. These conditions include applicants to be employed in the Education sector, owner occupied only, no equity release with refinanced loans, no off the plan or construction loans, standard security types, some postcode restrictions apply. LMI protects the lender. Loans of up to 95% Loan to Value Ratio (LVR) can be approved, subject to meeting LMI approval conditions and may be extended to 98% inclusive of LMI fee capitalisation for First Home Buyers.
Security
First mortgage over owner occupied or investment property (not available for commercial properties).
A Home Loan Key Facts Sheet is an easy way to help you understand and compare home loans.
Generate a Home Loan Key Facts Sheet
A Key Facts Sheet provides you with loan information in a standardised format which allows you to compare different home loans.

Terms and Conditions

Important Information

Home Loan Interest Rates effective 3 October 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.
2. Offset accounts cannot be linked to fixed rate loans.

Complete Investment Loan

100% variable offset²100% variable offset²

Competitive interest ratesCompetitive interest rates

Save on feesSave on fees

Rates and Fees

Principal and Interest

Interest only

Interest only - Construction loans

Principal and Interest

LVR up to 80%

LVR above 80% - 90%

LVR above 90%

Interest only

LVR up to 80%

LVR above 80%

One-off Fees

Ongoing Fees