RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Green Car Loan

A car loan to reward members with a low rate for choosing an eco-friendly, lower emissions car
Category: Personal Loans  Last Updated October 24, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED P&I product. Additional Information
Interest Rate
5.99% PA
Comparison Rate
5.99%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

  • Redraw Additional Information: Free access to your cash with our redraw facility (minimum $100 redraw amount)
  • Other Additional Information: 1 to 7 years
  • Other Additional Information: Flexible repayment options weekly, fortnightly or monthly
  • Card Access Additional Information: You can make extra repayments or repay your loan in full at any time. Extra repayments may enable you to redraw funds, subject to conditions
  • Digital Banking Additional Information: 24/7 access via internet banking and mobile app
  • Other Additional Information: Increase your existing loan for an effective way to get access to extra funds
  • Other Additional Information: Quarterly e-Statements only
  • Other Additional Information: Principal and interest only

Product Eligibility

  • Min Age - 18. Additional Information: Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older
  • Employment Status - Employed.
  • Residency Status - Permanent Resident. Additional Information: You must be an Australian citizen or permanent resident to apply
  • Other Additional Information: Applications for credit are subject to eligibility and suitability criteria and normal credit approval process.
  • Other Additional Information: Hybrid and Electric Vehicles (EV) up to 5 years old, emitting less than 120g of CO2 per kilometre (Combined) as per the Green Vehicle Guide website.
  • Other Additional Information: As part of the application process you will be asked to provide reasonable evidence (including a tax invoice) to show that the loan will be used to purchase or refinance an eligible green vehicle. The documentation can vary depending on where and how you purchase your green vehicle. We'll help you with this step and supply the relevant information during the approval process.
  • Other Additional Information: EV Home charging station (in conjunction with vehicle purchase) must be installed by an accredited technician.

Bank Fees and Charges

  • Late Payment Fee (Event), Amount: 15.00. Additional Information: A fee charged when you don't make your minimum monthly payment, plus any overdue amount
  • Default Notice Fee (Event), Amount: 50.00. Additional Information: A fee charged if you default on your repayments and we issue a default notice

 Limitations & Restrictions (Constraints)

  • Opening Balance of 1000.00
  • Max Balance of 150000.00

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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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