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Compare home loan rates and features side by side, with our nifty comparison calculator.
Compare calculator.
Compare home loan rates and features side by side, with our nifty comparison calculator.
Compare our home loans.
Enter your home loan details to review and compare our home loan rates and features.
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Home loan calculators.
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Our handy home loan calculators make light work of the number game.
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What is a member package?
Our Member Package is an optional add-on for the
Flexible Home Loan.
For just $395 per year it provides the following options to your loan:
- Lower variable interest rate
- Lower fixed interest rate
- No valuation fee (saves $200)
- No fee for topping up (saves $250)
What is LMI?
Lenders Mortgage Insurance (often referred to as LMI) is a fee paid by the borrower (in this case, you) to protect the lender (the institution giving you the money) against any potential loss if you are unable to repay your home loan.
It can be paid upfront as a one-off fee, or be built into your home loan repayments – and the amount varies depending on the lender.
If your deposit is less than 20% of the property’s value, it means your Loan to Value Ratio (LVR) is more than 80%. Borrowers with an LVR of more than 80% are usually required to pay for LMI, because it’s considered to be a higher risk to the lender.
What is a comparison rate?
A comparison rate explains the cost of a loan including all the extra and seemingly hidden fees and charges. When you use comparison sites to find a loan, for example, this figure will help you compare like-for-like, without getting tripped up by shiny deals.
What is a home loan interest rate?
The interest rate of your loan is the fee you’re charged for borrowing money, as a percentage of the loan amount. Even a difference of 0.1 per cent can save you plenty over the life of your loan, so it’s worth shopping around for the best deal.
The legal stuff.
The legal stuff.
*Member Package annual fee of $395 applies.
- Interest rates are current as at
14-Dec-2024 and is are subject to change. The variable interest rate may include a discount or margin that is applied to the product’s variable reference rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.
- Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. For variable loans with interest only repayments, the comparison rates are based on an initial 5 year interest only period. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. The comparison rates for fixed loans with interest only repayments are based on the interest- only period being equal to the fixed rate term.
- A current fixed rate can be secured for 90 days by paying a $500 rate lock request fee. At settlement you will get the better of the two rates.
- The repayments quoted in this calculator are based on the inputs that you have populated and should be used as a guide only. When calculating repayments for a variable interest rate, we have assumed that the rate stays the same for the duration of the loan term, as we cannot predict future rate changes. The repayments quoted for fixed interest rates are only applicable for the duration of the initial fixed rate period. Any applicable fees and charges or other amounts that may be charged to your loan (e.g. Lenders Mortgage Insurance if you are borrowing more than 80% of the value of your property) have not been included in these calculations.
- Solicitor, valuation and agent fees may apply.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.