Home loans

Credit criteria, fees and charges apply. Residential lending is not available for non-Australian resident borrowers.

Home loan information and interest rates are for new loans only and are subject to change.

¹Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

IMPORTANT: For our fixed rate home loans, the variable rate that applies after your fixed rate ends (the revert variable rate) depends on your initial LVR. For fixed rate loans (less than or equal to 80% LVR), the “from” comparison rate shown above is based on a loan with an initial LVR of ≤60%. If your initial LVR is higher than this, the comparison rate will be higher (as your revert variable rate will be higher). For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet.

For fixed rates where the LVR is greater than 80% but less than 85%, the comparison rate is based on a revert variable rate with the same LVR.

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.

Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.