Loan interest rates
Our current rates
On this page you can view our current interest rates for our credit card, personal loan and home loans.
Credit card
Easy Low Rate Credit Card
advances interest rate
8.99%p.a. 1
0.00%p.a. 2
Personal loan
Fixed, unsecured
8.99%p.a. 3
Variable home loans
Owner occupied and investment purposes
Fixed home loans
Owner occupied purposes
Fixed home loans
Investment purposes
1 Rates are current as at 9/12/2016 and subject to change without notice. 2 Offer terms and conditions: Rate is current as at 5 March 2024 and subject to change without notice. This is an introductory rate for 12 months only on balance transfers from the date the balance transfer is processed. After the initial 12 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time – currently this is 8.99% p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time. Excludes Balance Transfers from Community First or Easy Street cards. Please note you will be charged interest on retail purchases while you have a balance transfer.
Rates are current as at 04/04/24.
4 Rates are current for loans funded from 21/08/25 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 21/08/25 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%.
*Comparison rate is calculated on an unsecured loan amount of $30,000 over 5 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.
**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.