Variable home loan

It'll get you moving

Owner occupiers and Investors

Street Smart Variable

LVR up to 95%2

Principal and interest
Interest rate:

6.04% p.a.1

Comparison rate:
Comparison rate warning

6.09% p.a.*

Street Smart Variable

LVR up to 95%2

Interest only
Interest rate:

6.49% p.a.1

Comparison rate:
Comparison rate warning

6.27% p.a.*


With no monthly or annual fees, our standard variable home loan offers simple value.


Make extra repayments, access to redraw and pay out early without penalty. Plus a 100% offset account at no extra cost.


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


Monthly fee

No ongoing monthly fees to keep things simple.


Annual fee

No recurring annual fees to remember.


Application fee

Includes standard valuation and legal fees. 3  


Online redraw

Redraw funds in advance via Internet Banking.


Offset account

You can have up to two offset accounts per loan (or per split loan) at no extra cost.



Spread your repayments over terms up to 30 years.


Min loan amount

The minimum loan amount for new loans.


Maximum LVR 2

You can borrow up to 95% of the property value. 2

How to apply

You can apply online or over the phone.
One of our Mortgage Specialists will guide you through the process.

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 an offset works

A quick overview of exactly how an offset account works so you can take advantage of one.

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Access your equity

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You can view Target Market Determinations here

Credit eligibility criteria, terms & conditions, fees & charges apply. Available for home loans with a maximum exposure of $1 million.

1 Rate is for new 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. 

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.