ECO Home Loan
ECO Home Loan
Category: Home Loans Last Updated November 22, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.
Interest Rate
5.19% PA
5.19% PA
Comparison Rate
5.24%PA*
5.24%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..
Product Features
- Digital Banking Additional Information: Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.
- Notifications
- Npp Enabled
- Npp Payid Additional Information: Set up a pay ID to receive lightning fast payments.
- Other Additional Information: Save on paper, receive and view your statements online with eStatements.
- Redraw Additional Information: Access additional payments made to your home loan. Minimum $500.
Product Eligibility
- Min Age - 18.
- Natural Person
- Other Additional Information: Lending criteria apply.
- Other Additional Information: The property securing the loan must meet the required sustainability criteria.
- Residency Status - An Eligibility Constraint Based On Residency Status Applies..
Bank Fees and Charges
- Loan Increase Fee (Upfront), Amount: 225.00.
- Valuation Fee (Upfront), Amount: 300.00. Additional Information: Valuation Fee - Residential $300; Valuation Fee - Non-Residential is at cost. Includes commercial, rural & rural lifestyle properties over 30ha.
- Contract Variation/consent Fee (Event), Amount: 300.00.
- Mortgage Discharge Fee (Transaction), Amount: 250.00.
- Quickdebit Dishonour Fee (Event), Amount: 10.00.
- Guarantee Establishment Fee (Upfront), Amount: 200.00.
- Valuation Fee - Construction (Upfront), Amount: 800.00. Additional Information: Payable in addition to the Valuation Fee - residential.
- Legal Fee (Upfront), Amount: 200.00. Additional Information: Legal Fee - residential $200; Legal Fee - Non Residential at cost.
Limitations & Restrictions (Constraints)
- Min Limit of 30000.00
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