1,2 Home Loan Owner Occupied IO <80%
With our new 1, 2 home loan, you'll get a rate 1% lower than our reference rate for the first 2 years.
Category: Home Loans Last Updated February 28, 2025 Effective April 14, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
7.94% PA
7.94% PA
Comparison Rate
0.00%PA*
0.00%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..
OWNER_OCCUPIED, VARIABLE, 7.94%
- Lending Rate Type: Variable
- Interest Rate: 7.94%, Comparison Rate 0.00%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Offset
- Redraw
- Digital Banking
- Npp Enabled
- Other Additional Information: eStatements available
- Other Additional Information: No Monthly Fees
- Other Additional Information: 97% of value of Property incl LMI
- Other Additional Information: Spilt loans allowed
- Other Additional Information: Family guarantee allowed
Product Eligibility
- Other Additional Information: You must be a member and resident of Australia
- Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
- Min Age - 18.
Bank Fees and Charges
- Valuation Fee (Variable), Amount: Not Listed.. Additional Information: If a valuation is needed, a fee is charged per property
- Discharge Settlement Fee (Event), Amount: 300.00. Additional Information: Payable on discharge of a mortgage. Charged per property.
- Variation Fee (Event), Amount: 100.00. Additional Information: Payable if we approve a request to substitute the secured property for another property
- Portability Fee (Event), Amount: 350.00.
- Additional Security Fee (Event), Amount: 150.00.
- Conversion Switching Fee (Event), Amount: 300.00. Additional Information: Payable when switching loan products
- Solicitors Fees (Variable), Amount: Not Listed.. Additional Information: These fees may vary depending on loan.
- Settlement Rebooking Fee (Event), Amount: 100.00. Additional Information: Payable for our solicitors to prepare the mortgage and attend to settlement
- Guarantee Fee (Event), Amount: 200.00.
- Title Search (Event), Amount: 20.00.
- Arrears Letter (Event), Amount: 30.00.
- Default Notice (Event), Amount: 165.00.
- Home Loan Application Fee (Upfront), Amount: 300.00.
- Otc Redraw Fee (Event), Amount: 15.00. Additional Information: First one free per month. Free via Internet Banking and Telephone Banking
Limitations & Restrictions (Constraints)
- Min Limit of 300000.00
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