Compare our home loan products

Compare our home loans with each other to see which product suits your needs.

Compare owner occupied home loans

See how our loans compare to each other.

The below rates apply to our owner occupier home loans only. Our investor home loan rates can be viewed in the compare investor home loans table.


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Details
Who is this loan for?

A low-rate home loan that keeps it simple. Suitable for owner occupiers for loan amounts over $150,000.

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Suitable for loan amounts $150,000 and over and offers a discounted rate for the life of the loan.

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Designed specially to help first home buyers achieve their dream of home ownership.

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Lock in a rate for up to 5 years. Plus enjoy knowing exactly how much you will be paying each month.

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A perfect choice for a new home with the choice of either fixed or variable interest.

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Used for home purchase, vacant land, renovations, or any worthwhile purpose.

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Applicants must be eligible for the Rewards Package
Rates and fees
Interest Rate Type

Variable

Variable

Variable

Fixed up to 5 years

Variable

Variable

Repayment Type

Principal and interest

Principal and interest and interest only

Principal and interest and interest only

Principal and interest and interest only

Interest only

Principal and interest

Interest rate
Interest rate $150,000+ (Owner Occupier)
3 .79 % pa
Interest rate
4 .66 % pa
Interest rate - 3 yr fixed
4 .08 % pa
Interest rate - 5 yr fixed
4 .54 % pa
Interest rate - 4 yr fixed
4 .41 % pa
Interest rate - 2 yr fixed
3 .86 % pa
Interest rate - 1 yr fixed
3 .77 % pa
Interest rate - variable
5 .11 % pa
Interest rate
5 .11 % pa
Comparison rate
Comparison rate $150,000+ (Owner Occupier)
3 .84 % pa**
Comparison rate
4 .66 % pa**
Comparison rate - 3 yr fixed
4 .88 % pa**
Comparison rate - 5 yr fixed
4 .92 % pa**
Comparison rate - 4 yr fixed
4 .92 % pa**
Comparison rate - 2 yr fixed
4 .93 % pa**
Comparison rate - 1 yr fixed
5 .03 % pa**
Comparison rate - variable
5 .16 % pa**
Comparison rate
5 .16 % pa**
Interest Rate Effective Date Interest rates effective 16 August 2016 Interest rates effective 16 December 2016 Interest rates effective 16 August 2016 Interest rates effective 30 December 2016 Interest rates effective 16 August 2016 Interest rates effective 16 August 2016
Maximum Amount Up to 85% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without) Up to 98% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without) Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without) Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without) Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without)
Establishment Fee $ 600 $ 600 $0 $ 600 $ 600 $ 600
Rewards Package Fee n/a $ 200
(annual)
n/a n/a n/a n/a
Settlement Attendance Fee $ 150 $ 150 n/a $ 150 $ 150 $ 150
Features
No monthly fees
A fee free redraw facility to access additional repayments you’ve made
100% Offset facility giving you the opportunity to pay off your home loan sooner
Ability to split loan
Suitable for construction on interest only

Find your local mobile lender

We know life gets busy. So when you don't have time to drop into your local office, you can contact one of our mobile lenders. From buying your first home to upgrading or refinancing, our experts are on call to help you find the home loan that's right for you.

To become a member, you'll need:

  • tmb-logo To be an Australian citizen or permanent resident
    18 years old or over
  • +
  • tmb-logo Identification
  • +
  • tmb-logo Account details to purchase your share in the bank

**Comparison rate warning
Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is 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.