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Call us on 02 800 68 300
Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.39% (6.67%*) • Fixed: 5.39% (6.67%*) • Variable: 5.38% (6.14%*) • Investment IO: 5.69% (6.52%*) • Investment PI: 5.49% (5.98%*)

  Home Loan-Package

Our Ultimate Home Loan Package bundles together your home loan, an everyday account & our low rate credit card. Establishment fee waivers on personal loans, no annual fee on a visa credit card, access to discounted general insurance under our package.
Category: Home Loans  Last Updated January 3, 2025  Effective January 10, 2025

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Special 2 Year Fixed Package Rate (<80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.5% discount off the Standard Variable Rate.
Interest Rate
5.59% PA
Comparison Rate
6.46%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  1 Year Fixed Rate Package Loan (>80%) P&I
Minimum: 80.0001 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 8.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  2 Year Fixed Rate Package Loan (<80%) P&I
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 8.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  2 Year Fixed Rate Package Loan (>80%) P&I
Minimum: 80.0001 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 8.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  3 Year Fixed Rate Package Loan (<80%) P&I
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 7.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  3 Year Fixed Rate Package Loan (>80%) P&I
Minimum: 80.0001 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Special 1 Year Fixed Package Rate (<80%) P&I
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.55%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Special 1 Year Fixed Package Rate (>80%) P&I
Minimum: 80.0001 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Special 2 Year Fixed Package Rate (<80%) P&I
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Special 2 Year Fixed Package Rate (>80%) P&I
Minimum: 80.0001 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Special Variable Package Rate (<80%) P&I
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 6.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Special Variable Package Rate (>80%) P&I
Minimum: 80.0001 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 6.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Variable
  • Interest Rate: 8.24%, Comparison Rate 8.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Offset Additional Information: 100% Mortgage Offset account for owner occupied home loans.
  • Other Additional Information: Discounted variable or fixed interest rate owner-occupied loans
  • Other Additional Information: Payments can be arranged weekly, fortnightly or monthly.
  • Other Additional Information: Loan Terms up to 30 Years.
  • Other Additional Information: 10% discount on home and contents insurance through our insurance partner for the first year.
  • Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI).
  • Other Additional Information: Home Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.
  • Other Additional Information: Personal Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.
  • Redraw

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI) or up to 95% where LMI is approved
  • Residency Status - Loans Are Available To Members Of The Bank Who Are Permanent Residents Of Australia And Currently Live In Australia..

 Bank Fees and Charges

  • Package Fee (Periodic), Amount: 395.00. Additional Information: Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date. If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged.
  • Lenders Mortgage Insurance (Variable), Amount: 0.00. Additional Information: Charging on Origination
  • Mortgage Settlement Fee (Event), Amount: 450.00. Additional Information: Payable on payout of your mortgage loan to prepare the release of mortgage - waived if paid out due to sale or with own funds
  • In Branch Redraw Fee (Event), Amount: 8.00. Additional Information: Online Redraws free.
  • Other Credit Fees (Event), Amount: 0.00. Additional Information: Refer to our Fees and Charges brochure for information on other fees and charged which may apply.
  • Arrears Letter Fee - Second Arrears Letter (Event), Amount: 40.00.
  • Arrears Letter Fee - Default Notice Prior To Enforcement (Event), Amount: 70.00.
  • Early Repayment Fee (Variable), Amount: 0.00. Additional Information: Charged on Fixed Loans. Payable when breaking your fixed rate period. Refer to your Credit Contract for more details.
  • Rate Lock Fee (Event), Amount: 350.00. Additional Information: Charged when opting to lock in an approved fixed rate, for a term of up to 90 days
  • Switch Fee (Event), Amount: 0.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 100000.00 Additional Information: Available where total borrowings from the Bank are $100,000 and over.

 Document Downloads

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