¹ Offer Terms and Conditions: Credit eligibility criteria, terms & conditions, fees & charges apply. Offer commences 22/06/26 and is for eligible applications submitted by 14/08/26 and funded by 14/11/26 and can be withdrawn or changed at any time. Offer is available on Street Smart Variable home loans for new owner occupier and investor principal and interest loans with a minimum balance of $50,000 or for internal loan increases including at least $50,000 of new funds. Acceptable purposes are residential property purchase and refinance; pre-approvals and construction loans are excluded from the offer. Application fee includes one standard valuation fee and legal fees for one security property. Valuation for non-standard and additional securities will be charged at cost and could incur additional legal fees. Government charges apply. Your interest rate is a variable interest rate and may change prior to funding and during the term of the loan. Government charges or exit costs may be incurred when refinancing from your existing lender.             

⁴ Rates are current for loans funded from 04/06/26 and switches – rates are subject to change without notice. Interest Only repayments for owner-occupiers is subject to review and approval. Available for purchases and refinances. Construction Loans excluded. Maximum LVR for all applications is 80%.               
⁵  Rates are for new loans and switches, are current as at 15/05/26 and subject to change without notice. For fixed rate home loans, after the fixed interest period, the interest rate on the loan reverts to the Street Smart variable rate at the time. Break costs may apply for fixed home loans, please refer to your terms and conditions for more information. Available for purchases and refinances. Construction Loans excluded. Maximum LVR for all applications is 80%.

⁶ Interest only repayments for owner occupier home loans are only available for existing home loan accounts, not new applications. Switching to interest only repayments is subject to review, assessment and approval.        

**Comparison rate is calculated on a loan amount of $150,000 over 25 years. 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.