RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 5.80% (5.85%*) • Home Loan Fixed: 6.04% (6.83%*) • Fixed: 6.04% (6.83%*) • Variable: 5.80% (5.85%*) • Investment IO: 6.19% (6.22%*) • Investment PI: 6.04% (5.95%*)

  Team Member Home Loan - No Offset

Team Member Home Loan - No Offset
Category: Home Loans  Last Updated May 17, 2026  Effective June 17, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.94% PA
Comparison Rate
6.04%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 Features

  • Redraw
  • Card Access Additional Information: Extra repayments allowed

Product Eligibility

  • Min Age - 18.
  • Other Additional Information: Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.

Bank Fees and Charges

  • Arrears Letter Fee (Transaction), Amount: 25.00.
  • Default Notice (Transaction), Amount: 35.00.
  • Field Call Fee (Transaction), Amount: 0.00. Additional Information: At cost
  • Loan Variation Fee (Upfront), Amount: 200.00.
  • Manual Redraw Fee (Transaction), Amount: 20.00.
  • Mortgage Discharge Fee (Upfront), Amount: 550.00.
  • Mortgage Settlement Fee (Upfront), Amount: 275.00.
  • Mortgage Substitution Fee (Upfront), Amount: 275.00.
  • Mortgage Top Up Fee (Upfront), Amount: 275.00.
  • Partial Mortgage Discharge Fee (Upfront), Amount: 275.00.
  • Stamp Duty (Variable), Amount: 0.00.
  • Valuation Fee (Variable), Amount: 0.00.
  • Govt Fees (Variable), Amount: 0.00.
  • Legal Fees (Variable), Amount: 0.00.
  • Document Preparation Fee (Upfront), Amount: 299.00.

Document Downloads

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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