Home Loans Owner Occupier Interest Rates

You’ll find the interest rates for our owner occupied home loans on this page.

Principal and Interest Annual Rate Comparison Rate 1
Variable Rate (up to 70% LVR) 2.94% p.a. 2.96% p.a.
Variable Rate (up to 80% LVR) 2.94% p.a. 3.37% p.a.
Variable Rate (80-90% LVR) 3.30% p.a. 3.72% p.a.
Fixed Rate 1 Year 2.79% p.a. 3.36% p.a.
Fixed Rate 2 Years 2.79% p.a. 3.34% p.a.
Fixed Rate 3 Years 2.79% p.a. 3.33% p.a.
Fixed Rate 5 Years 2.99% p.a. 3.39% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year 3.33% p.a. 3.40% p.a.
Variable Rate 2 Years 3.33% p.a. 3.44% p.a.
Variable Rate 3 Years 3.33% p.a. 3.47% p.a.
Variable Rate 4 Years 3.33% p.a. 3.50% p.a.
Variable Rate 5 Years 3.33% p.a. 3.52% p.a.
Fixed Rate 1 Year 3.18% p.a. 3.39% p.a.
Fixed Rate 2 Years 3.18% p.a. 3.41% p.a.
Fixed Rate 3 Years 3.18% p.a. 3.43% p.a.
Fixed Rate 5 Years 3.38% p.a. 3.54% p.a.
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Principal and Interest Annual Rate Comparison Rate 1
Variable Rate (up to 70% LVR) 2.84% p.a. 2.89% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year 3.23% p.a. 2.93% p.a.
Variable Rate 2 Years 3.23% p.a. 2.96% p.a.
Variable Rate 3 Years 3.23% p.a. 2.99% p.a.
Variable Rate 4 Years 3.23% p.a. 3.02% p.a.
Variable Rate 5 Years 3.23% p.a. 3.05% p.a.
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Rate type Interest Rate
Special Rate Applicable 4.84% p.a.
Discount Rate 2.56% p.a.
Standard Variable Rate 7.40% p.a.
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Rates current as of 1 October 2020

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1 The comparison rate is based on a secured loan of $150K over a term of 25 years. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any advice or information does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you.