Your Way Home Loan

Stay in control with the flexibility you need to do your home loan, your way.

Your Way Home Loan

Stay in control with the flexibility you need to do your home loan, your way.

  • 4.29%pa

    Your Way Home Loan variable rate (Owner, P&I)

  • 4.33%pa**

    Your Way Home Loan comparison rate (Owner, P&I)

Is this a home you'll love?

Stay in control with the ability to adapt your loan as your needs change. Get both fixed and variable rate options and greater flexibility. Have confidence in the future, whatever comes down the road.

What you'll get

 

Rates

Get the best of both worlds with fixed and variable rate options.

 

Fee-Free Redraws

Get the security of unlimited fee-free redraw.

 

Unlimited additional repayments

Make unlimited additional repayments on variable loans.

 

Flexibility

The ability to top-up when it suits you and switch your loan should your situation change.


Get in touch today.

Take the next step in your home loan journey.

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Talk to a Lending Specialist

We can visit you at home, call you on the phone, or speak to you on a video call.

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Apply Online

Complete an online application to fast track your home loan financing.

Got a Question?
Enquire Online

Your Way Home Loan interest rates 

Principal and Interest repayments 

Get the best of both worlds with fixed and variable rate options.


Interest rates Comparison rate
Variable 4.29%pa 4.33%pa**
1 year fixed 2.24%pa 4.14%pa**
2 year fixed 2.24%pa 3.96%pa**
3 year fixed 2.19%pa 3.79%pa**
4 year fixed 2.29%pa 3.67%pa**
5 year fixed 2.74%pa 3.71%pa**
 

Interest rates effective 29 June 2021.


Interest Only repayments  

Available when you only want to pay the interest portion of your home loan. Construction is only available with a variable rate.

  Interest rates Comparison rate
Variable 4.49%pa 4.41%pa**
1 year fixed 2.44%pa 4.16%pa**
2 year fixed 2.44%pa 4.01%pa**
3 year fixed 2.39%pa 3.85%pa**
4 year fixed 2.49%pa 3.75%pa**
5 year fixed 2.94%pa 3.81%pa**
 

Interest rates effective 29 June 2021.


 

Information 

   

Purpose

Owner occupied and construction

Minimum Amount

$25,000

Maximum Amount

Up to 90% of the property value prior to the capitalisation of Lenders Mortgage Insurance where the purpose is construction

Up to 90% of the property value including Lenders Mortgage Insurance where any part of the loan has a fixed rate component

Up to 95% of the property value including Lenders Mortgage Insurance where all of the loan is on a variable rate (i.e. with no fixed rate component)

Up to 95% of the property value for loans under the First Home Loan Deposit Scheme

Repayment type

Principal and interest and Interest only

Interest rate type

Variable and/or fixed up to 5 years

Interest calculated

Daily, charged monthly

Construction loan

Yes – variable rate only

Establishment fee

$600

Annual fee

$0

Additional repayments

Yes – variable rate only

Offset facility

No

Redraw

Yes – fee free. Variable rate only

Split loan

Yes

Top up

Yes

     

For full details of our fees, please review the Fees and Charges brochure.

Download the Fees and Charges brochure [PDF]

 

Check out your other options

 
  • Classic Home Loan

    Want to keep it simple with a competitive, low variable rate? This is the loan for you.

    Learn more

    • 2 .34
      pa %
      Classic Home Loan variable rate (Owner, P&I)
    • 2 .38
      pa** %
      Classic Home Loan Comparison rate (Owner, P&I)
    • Unlimited fee-free redraw
    • Make unlimited additional repayments
    • Ability to top up
  • Your Way Plus Home Loan

    Get flexibility for your home loan PLUS take advantage of our package benefits with discounted rates and much more.

    Learn more

    • 2 .64
      pa %
      Your Way Plus Essential Worker variable rate (Owner, P&I, LVR up to 60%)
    • 2 .97
      pa** %
      Your Way Plus Essential Worker comparison rate (Owner, P&I, LVR up to 60%)
    • Discounted Fixed & Variable rates for life of the loan
    • Establishment fee waived (normally $600)
    • Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans
    • 100% Offset facility giving you the opportunity to pay off your home loan sooner

More information to help you on your journey

**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.