RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%

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Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.99% (5.91%*) • Fixed: 4.99% (5.91%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 4.99% (5.91%*)

Frequency Asked Questions

First Home Buyer Lending Fees

Your loan itself may come with additional costs, including application fees, set-up fees and a property valuation. Depending on the type of loan, there may also be monthly account fees.

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.

First Home Buyer Guide, April 2025

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Owner Occ. (Selected P&I Rates)

Interest*

4.99%

Comparison*

5.91%

4.99%

6.55%

5.14%

6.01%

5.39%

5.77%

Selected Invest Products (P&I)

Interest*

4.99%

Comparison*

5.91%

4.99%

6.36%

5.49%

5.79%

5.55%

5.96%

Selected Multiple Lenders (Fixed)

Interest*

4.99%

Comparison*

5.91%

4.99%

6.55%

5.14%

6.01%

5.39%

5.77%

Selected Multiple Lenders (Variable)

Interest*

5.43%

Comparison*

6.02%

5.44%

6.78%

5.59%

5.64%

5.59%

5.66%

Selected BIg-4 Lenders (Variable)

Interest*

5.90%

Comparison*

6.03%

6.04%

6.05%

6.14%

6.14%

6.19%

6.20%

Selected Invest Products (IO)

Interest*

5.59%

Comparison*

6.66%

5.64%

6.44%

5.69%

6.14%

5.69%

6.34%

This is where your credit rep and ACL number will go. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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