Compare our home loan products

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

Compare owner occupier 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?
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.

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

Variable

Variable

Variable

Fixed up to 5 years

Variable

Variable

Repayment Type
Repayment Type

Principal and interest

Principal and interest and interest only

Principal and interest and interest only

Principal and interest

Interest only

Principal and interest

Interest rate
Interest rate
Interest rate $150,000+ (Owner Occupier)
3 .85 % pa
Interest rate
5 .11 % pa
Interest Rate - 2 Year Fixed
3 .88 % pa
Interest Rate - 1 Year Fixed
3 .87 % pa
Interest Rate - 3 Year Fixed
3 .98 % pa
Interest Rate - 4 Year Fixed
4 .36 % pa
Interest Rate - 5 Year Fixed
4 .49 % pa
Interest rate - variable
5 .86 % pa
Interest rate
5 .16 % pa
Comparison rate
Comparison rate
Comparison rate $150,000+ (Owner Occupier)
3 .90 % pa**
Comparison rate
5 .11 % pa**
Comparison Rate - 2 Year Fixed
4 .97 % pa**
Comparison Rate - 1 Year Fixed
5 .09 % pa**
Comparison Rate - 3 Year Fixed
4 .89 % pa**
Comparison Rate - 4 Year Fixed
4 .93 % pa**
Comparison Rate - 5 Year Fixed
4 .93 % pa**
Comparison rate - variable
5 .91 % pa**
Comparison rate
5 .21 % pa**
Interest Rate Effective Date
Interest Rate Effective Date Interest rates effective 1 December 2018 Interest rates effective 1 December 2018 Interest rates effective 1 December 2018 Interest rates effective 6 November 2018 and are for Owner Occupied Loans with Principal and Interest repayments. Interest rates effective 1 December 2018 Interest rates effective 2 October 2018
Maximum Amount
Maximum Amount Up to 85% excluding Lenders Mortgage Insurance and/or Mortgage Repayment Insurance Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without).

Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.
Up to 95% for the purpose of construction of an Owner Occupied dwelling (loan must revert to P&I upon completion of construction).

Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.
Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without). Up to 95% for the purpose of construction of an Owner Occupied dwelling (loan must revert to P&I upon completion of construction).

Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.
Up to 95% with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (80% without)
Establishment Fee
Establishment Fee $ 600 $ 600 $0 $ 600 $ 600 $ 600
Rewards Package Fee
Rewards Package Fee n/a $ 200
(annual)
n/a n/a n/a n/a
Settlement Attendance Fee
Settlement Attendance Fee $ 150 $ 150 n/a $ 150 $ 150 $ 150

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.

Please note: Mobile lenders are not available in all areas. To find out if we service your area, simply enter your postcode above.

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.