Refinance | Owner Occupied Home Loans | Apply Online

Taking out a home loan is often your most significant financial decision, but it is easy to just keep making repayments without reviewing your options over time. If your circumstances have changed or you are looking for a better deal, we’re here to support you so you can make your move.

Basic Home Loan

A simple, low interest rate variable home loan, so you’re not paying more for extra features you may not want or need. Available for Owner Occupied home loans only.

Redraw available
Unlimited extra repayments
Flexible repayment options

3.49%p.a. Interest rate
3.52%p.a.
Comparison rate

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Fixed Rate Home Loan - Owner Occupied

The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period.

Competitive fixed interest rate
Make extra repayments of up to 5% of the loan balance per annum
Flexible repayment options

3.29%p.a. Interest rate
3.32%p.a.
Comparison rate

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Premium Home Loan Package - Owner Occupied

An all in one package that allows you to save when you combine a home loan, credit card and transaction account.

No establishment fee
No monthly service fee on transaction account
100% offset account

3.89%p.a. Interest rate
3.92%p.a.
Comparison rate

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Equity Line – Owner Occupied

A line of credit set up using the equity in your home, which can be used at any time to help manage day to day expenses.

Entire salary can be credited into this loan reducing the interest
Line of credit can be topped up to approved limit at any time

5.44%p.a. Interest rate

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Standard Variable Home Loan - Owner Occupied

A flexible home loan with an interest rate that changes as the market does.

Get Ahead Start Guarantor option
Unlimited extra repayments
Redraw available

4.90%p.a. Interest rate
4.93%p.a.
Comparison rate

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Additional Information

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Footnotes:

¹ Eligibility criteria, terms & conditions and fees & charges apply. Minimum loan amount $100,000. Establishment fee $500. Maximum loan to valuation ratio 80%. Offset account not available on this product.
² Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
³ Eligibility criteria, terms & conditions and fees & charges apply.
⁴ Offset account not available on this product.
⁵ At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.
⁶ 1 year Fixed Rate Principal & Interest Owner Occupied Home Loan. Refer to interest rate schedule for full list of interest rates.

Refinance - Owner Occupied

Basic Home Loan

Fixed Rate Home Loan - Owner Occupied

Premium Home Loan Package - Owner Occupied

Equity Line – Owner Occupied

Standard Variable Home Loan - Owner Occupied

We're ready to help you

Protect yourself against remote access scams

Sydney Service Centre - Cash Withdrawals on 13th August

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