Owner occupiers and Investors
Street Smart Variable
LVR up to 95%2
|
Principal and interest
|
3.24% p.a.1 |
|
Comparison rate:
|
3.28% p.a.* |
Standard variable
LVR up to 95%2
|
Interest only |
3.24% p.a.1 |
|
Comparison rate:
|
3.27% p.a.* |
Simple
With no monthly or annual fees, our standard variable home loan offers simple value.
Flexible
Make extra repayments, access to redraw and pay out early without penalty. Plus a 100% offset account at no extra cost.
Fair
Whether you're borrowing for the home you live in or an investment, you can access the same rate for principal and interest repayments.
Features and benefits
$0
Monthly fee
No ongoing monthly fees to keep things simple.
$0
Annual fee
No recurring annual fees to remember.
$500
Application fee
Includes standard valuation and legal fees. 3
$0
Online redraw
Redraw funds in advance via Internet Banking.
100%
Offset account
A 100% offset account is included at no extra cost.
30
Years
Spread your repayments over terms up to 30 years.
$50,000
Min loan amount
The minimum loan amount for new loans.
95%
Maximum LVR 2
You can borrow up to 95% of the property value. 2
Calculate your repayments
Using our home loan repayment calculator, you can estimate what your repayments will be and how much interest would be payable for different amounts and terms. To make comparing loans easy, you can also access the Home Loan Key Facts Sheet available at the bottom of this page.
Find out more
How to apply
You can apply for a home loan online or over the phone. One of our Mortgage Specialists will guide you through the whole process.
How an offset works
A quick overview of exactly how an offset account works so you can take advantage of one.
Read more
Buying a property?
No one likes surprises. Here's our top tips on what to ask the agent before buying a home.
Read more
Access your equity
Did you know that unlocking your equity can improve your lifestyle and your wealth?
Read moreYou can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate for new loans and switches is current as at 1/08/22 and subject to change without notice.
2 Some suburb exclusions apply. Lenders' Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%.
3 Additional valuation fees and government charges may apply.
*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 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.