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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

Purchases interest rate & cash advances interest rate

8.99% p.a. 1

Balance transfer rate for 12 months:

0.00% p.a. 2

Personal loan

Fixed, unsecured

Fixed rate

8.99% p.a. 3

Comparison rate:
Comparison rate warning

% 10.02p.a. *

Variable home loans

Owner occupied and investment purposes

Street Smart Variable

Principal and interest
Interest rate:

6.04% p.a.4

Comparison rate:
Comparison rate warning

6.09% p.a.**

Street Smart Variable

Interest only
Interest rate:

6.49% p.a.4

Comparison rate:
Comparison rate warning

6.27% p.a.**

Fixed home loans

Owner occupied and investment purposes

1 year fixed

Principal and interest
Interest rate:

6.14% p.a.5

Comparison rate:
Comparison rate warning

6.10% p.a.**

2 year fixed

Principal and interest
Interest rate:

6.04% p.a.5

Comparison rate:
Comparison rate warning

6.09% p.a.**

3 year fixed

Principal and interest
Interest rate:

6.04% p.a.5

Comparison rate:
Comparison rate warning

6.09% p.a.**

1 year fixed

Interest only
Interest rate:

6.54% p.a.5

Comparison rate:
Comparison rate warning

6.14% p.a.**

2 year fixed

Interest only
Interest rate:

6.44% p.a.5

Comparison rate:
Comparison rate warning

6.16% p.a.**

3 year fixed

Interest only
Interest rate:

6.44% p.a.5

Comparison rate:
Comparison rate warning

6.20% p.a.**

Credit eligibility criteria, terms and conditions, fees and charges apply. 
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p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time.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. 
3 Rates are current as at 04/04/24.
4 Rates are current for loans funded from 17/11/23 and switches - rates are subject to change without notice. Interest Only repayments for owner-occupiers is subject to review and approval.
Rates are for new loans and switches, are current as at 29/04/24 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. Lenders' Mortgage Insurance applies for LVR greater than 80%. Interest Only repayments for owner-occupiers is subject to review and approval.
 *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.