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 December 22, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Special Variable 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 May be withdrawn at any time before a loan contract is entered into.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.
Interest Rate
5.19% PA
5.19% PA
Comparison Rate
5.56%PA*
5.56%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 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: 5.59%, Comparison Rate 5.95%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
2 Year Fixed Rate Package Loan (<80%) P&I
- Lending Rate Type: Fixed
- Interest Rate: 5.49%, Comparison Rate 5.93%
- 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: 5.69%, Comparison Rate 5.97%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
3 Year Fixed Rate Package Loan (<80%) P&I
- Lending Rate Type: Fixed
- Interest Rate: 5.49%, Comparison Rate 5.93%
- 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: 5.69%, Comparison Rate 5.98%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Special 2 Year Fixed Package Rate (<80%) P&I
- Lending Rate Type: Fixed
- Interest Rate: 5.29%, Comparison Rate 5.82%
- 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: 5.49%, Comparison Rate 5.93%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Special Variable Package Rate (<80%) P&I
- Lending Rate Type: Variable
- Interest Rate: 5.19%, Comparison Rate 5.56%
- 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: 5.39%, Comparison Rate 5.76%
- 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: 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
- 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 (Upfront), Amount: Not Listed.. Additional Information: Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%.
- 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: Redraw Fee Applies for Assisted Transactions
- Online Redraw Fee (Event), Amount: 0.00. Additional Information: $0 Redraw Fee Applies for Online Transactions
- Val Fee - Propertyhub (Upfront), Amount: 50.00.
- Other Credit Fees (Event), Amount: Not Listed.. 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: Not Listed.. 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: 500.00. Additional Information: Charged when opting to lock in an approved fixed rate, for a term of up to 90 days
- Switch Fee (Event), Amount: 300.00.
Limitations & Restrictions (Constraints)
- Max Lvr of 95.00
- Min Limit of 100000.00 Additional Information: Available where total borrowings from the Bank are $100,000 and over.
- Min Lvr of 0.00
Document Downloads
brochure-account-access-facility.pdf (322.9 KB)
brochure-fees-charges.pdf (463.1 KB)
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