Our Essential Worker Home Loan is a low interest variable rate home loan specifically designed to support essential workers to own their own home.


It’s our way of saying ‘thank you’ to essential workers for the work they do in always serving our community.


  • Same low interest rate for up to 95% LVR3
  • 100% offset account4
  • No establishment fee
  • No monthly fee
  • Up to $1000 towards third party costs#
  • Unlimited redraws5 and extra repayments
  • Overtime and shift allowances may be assessed at 100% for eligible essential services*



More information to help you buy your home

We understand that buying a home is one of the most significant financial decisions you will ever make, and the home buying process can seem daunting. That’s why we developed these guides, Buying your home and Buying your first home, to help you navigate the home buying process.

Principal & Interest
Owner Occupied

5.80 % p.a. Interest rate 5.83 % p.a. Comparison rate

Buying Your First Home Guide


Product Features:

Home Loan Features
Minimum loan amount : $100,000
Maximum LVR : 80% (dependant on loan purpose and security offered)
Maximum LVR with Lenders Mortgage Insurance : 95% (subject to approval)
Get Ahead Start Guarantor (borrow up to 100% LVR) : Yes
Maximum loan term : 30 years
Interest calculation : Calculated daily, charged monthly
Repayment type : Principal & Interest
Repayment frequency : Weekly, fortnightly, or monthly
Establishment fee : $0
Monthly loan fee : $0
Extra repayments : Unlimited
Interest offset : Yes
Redraw : Yes
Loan preparation fees : At cost
Increase/top up : Yes

Home loan calculators

Our handy home loan calculators can help you determine the amount you can borrow and what the monthly repayments may be.

*Overtime and shift allowances - 100% may be used in serviceability if the borrowers’ employment is in the essential services industry (e.g. Ambulance, Police Service, Nursing and Corrective Services).

# $1000 towards third party costs including valuation, registration, mortgage preparation and title search. Offer may be amended or withdrawn at any time.