Owner Occupier Home Loan Rates - Interest Rates

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Principal & Interest

Explore our variable and fixed owner occupied home loan rates.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	8.20% p.a.	8.22% p.a.	7.73% p.a.	+0.47% p.a.
Above 80% and less than or equal to 90%	8.46% p.a.	8.48% p.a.	7.73% p.a.	+0.73% p.a.
More than 90%	8.46% p.a.	8.48% p.a.	7.73% p.a.	+0.73% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	5.88% p.a.	5.90% p.a.	7.73% p.a.	-1.85% p.a.
Above 80% and less than or equal to 90%	6.09% p.a.	6.11% p.a.	7.73% p.a.	-1.64% p.a.
More than 90%	7.52% p.a.	7.54% p.a.	7.73% p.a.	-0.21% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	8.40% p.a.	8.42% p.a.	8.32% p.a.	+0.08% p.a.
Above 80% and less than or equal to 90%	8.61% p.a.	8.63% p.a.	8.32% p.a.	+0.29% p.a.
More than 90%	8.61% p.a.	8.63% p.a.	8.32% p.a.	+0.29% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	8.13% p.a.	8.49% p.a.	8.12% p.a.	+0.01% p.a.
Above 50% and less than 60%	8.13% p.a.	8.49% p.a.	8.12% p.a.	+0.01% p.a.
Above 60% and less than or equal to 70%	8.13% p.a.	8.49% p.a.	8.12% p.a.	+0.01% p.a
Above 70% and less than or equal to 80%	8.25% p.a.	8.61% p.a.	8.12% p.a.	+0.13% p.a.
Above 80% and less than or equal to 90%	8.11% p.a.	8.47% p.a.	8.12% p.a.	-0.01% p.a.
More than 90%	8.46% p.a.	8.82% p.a	8.12% p.a.	+0.34% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	6.03% p.a.	6.42% p.a.	8.12% p.a.	-2.09% p.a.
Above 50% and less than 60%	6.03% p.a.	6.42% p.a.	8.12% p.a.	-2.09% p.a.
Above 60% and less than or equal to 70%	6.03% p.a.	6.42% p.a.	8.12% p.a.	-2.09% p.a.
Above 70% and less than or equal to 80%	6.03% p.a.	6.42% p.a.	8.12% p.a.	-2.09% p.a.
Above 80% and less than or equal to 90%	6.24% p.a.	6.63% p.a.	8.12% p.a.	-1.88% p.a.
More than 90%	7.91% p.a.	8.28% p.a	8.12% p.a.	-0.21% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	5.89% p.a.	6.28% p.a.	8.12% p.a.	-2.23% p.a.
Above 50% and less than 60%	5.89% p.a.	6.28% p.a.	8.12% p.a.	-2.23% p.a.
Above 60% and less than or equal to 70%	5.94% p.a.	6.33% p.a.	8.12% p.a.	-2.18% p.a.
Above 70% and less than or equal to 80%	5.94% p.a.	6.33% p.a.	8.12% p.a.	-2.18% p.a.
Above 80% and less than or equal to 90%	6.14% p.a.	6.53% p.a.	8.12% p.a.	-1.98% p.a.
More than 90%	7.91% p.a.	8.28% p.a	8.12% p.a.	-0.21% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	5.89% p.a.	6.28% p.a.	8.12% p.a.	-2.23% p.a.
Above 50% and less than 60%	5.89% p.a.	6.28% p.a.	8.12% p.a.	-2.23% p.a.
Above 60% and less than or equal to 70%	5.94% p.a.	6.33% p.a.	8.12% p.a.	-2.18% p.a.
Above 70% and less than or equal to 80%	5.94% p.a.	6.33% p.a.	8.12% p.a.	-2.18% p.a.
Above 80% and less than or equal to 90%	6.14% p.a.	6.53% p.a.	8.12% p.a.	-1.98% p.a.
More than 90%	7.91% p.a.	8.28% p.a	8.12% p.a.	-0.21% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	80% or less	5.79% p.a.	8.13% p.a.
	Above 80% and less than or equal to 90%	6.14% p.a.	8.35% p.a.
	More than 90%	7.09%p.a.	8.46%p.a.
2 year	80% or less	5.29% p.a.	7.77% p.a.
	Above 80% and less than or equal to 90%	5.64% p.a.	8.01% p.a.
	More than 90%	6.24%p.a.	8.13%p.a.
3 year	80% or less	5.29% p.a.	7.50% p.a.
	Above 80% and less than or equal to 90%	5.54% p.a	7.71% p.a
	More than 90%	6.19%p.a.	7.90%p.a.
4 year	80% or less	5.59% p.a.	7.36% p.a.
	Above 80% and less than or equal to 90%	5.84% p.a.	7.58% p.a.
	More than 90%	6.34%p.a.	7.76%p.a.
5 year	80% or less	5.59% p.a.	7.16% p.a.
	Above 80% and less than or equal to 90%	5.84% p.a.	7.38% p.a.
	More than 90%	6.49%p.a.	7.67%p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	50% or less	5.64% p.a.	6.38% p.a.
	Above 50% and less than 60%	5.64% p.a.	6.38% p.a.
	Above 60% and less than or equal to 70%	5.64% p.a.	6.38% p.a.
	Above 70% and less than or equal to 80%	5.64% p.a.	6.38% p.a.
	Above 80% and less than or equal to 90%	5.99% p.a.	6.60% p.a.
	More than 90%	6.94% p.a.	8.17% p.a.
2 year	50% or less	5.14% p.a.	6.25% p.a.
	Above 50% and less than 60%	5.14% p.a.	6.25% p.a.
	Above 60% and less than or equal to 70%	5.14% p.a.	6.25% p.a.
	Above 70% and less than or equal to 80%	5.14% p.a.	6.25% p.a.
	Above 80% and less than or equal to 90%	5.49% p.a.	6.48% p.a.
	More than 90%	6.09% p.a.	7.89% p.a.
3 year	50% or less	5.14% p.a.	6.17% p.a.
	Above 50% and less than 60%	5.14% p.a.	6.17% p.a.
	Above 60% and less than or equal to 70%	5.14% p.a.	6.17% p.a.
	Above 70% and less than or equal to 80%	5.14% p.a.	6.17% p.a.
	Above 80% and less than or equal to 90%	5.39% p.a.	6.39% p.a.
	More than 90%	6.04% p.a.	7.72% p.a.
4 year	50% or less	5.44% p.a	6.21% p.a.
	Above 50% and less than 60%	5.44% p.a.	6.21% p.a.
	Above 60% and less than or equal to 70%	5.44% p.a.	6.21% p.a.
	Above 70% and less than or equal to 80%	5.44% p.a.	6.21% p.a.
	Above 80% and less than or equal to 90%	5.69% p.a.	6.43% p.a.
	More than 90%	6.19% p.a.	7.63% p.a.
5 year	50% or less	5.44% p.a.	6.16% p.a.
	Above 50% and less than 60%	5.44% p.a.	6.16% p.a.
	Above 60% and less than or equal to 70%	5.44% p.a.	6.16% p.a.
	Above 70% and less than or equal to 80%	5.44% p.a.	6.16% p.a.
	Above 80% and less than or equal to 90%	5.69% p.a.	6.39% p.a.
	More than 90%	6.34% p.a.	7.57% p.a.

Interest Only

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	8.17% p.a.	8.21% p.a.	8.23% p.a.	-0.06% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	8.17% p.a.	6.93% p.a.	8.23% p.a.	-0.06% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	9.11% p.a.	8.76% p.a.	8.82% p.a.	+0.29% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	8.71% p.a.	8.83% p.a.	8.62% p.a.	+0.09% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	7.67% p.a.	7.16% p.a.	8.62% p.a.	-0.95% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	7.62% p.a.	7.08% p.a.	8.62% p.a.	-1.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	7.62% p.a.	7.08% p.a.	8.62% p.a.	-1.00% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	80% or less	7.24% p.a.	8.29% p.a.
2 year	80% or less	6.94% p.a.	8.11% p.a.
3 year	80% or less	6.74% p.a.	7.92% p.a.
4 year	80% or less	7.14% p.a.	7.94% p.a.
5 year	80% or less	7.34% p.a.	7.93% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	80% or less	7.09% p.a.	6.53% p.a.
2 year	80% or less	6.79% p.a.	6.57% p.a.
3 year	80% or less	6.59% p.a.	6.58% p.a.
4 year	80% or less	6.99% p.a.	6.77% p.a.
5 year	80% or less	7.19% p.a.	6.94% p.a.

Variable Reference Rates

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Owner occupier.

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Rates for the go-getter.

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Retro.

Rates for old school loans. These rates are no longer offered.

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The legal stuff.

Interest rates are current as at 8am 20-May-2025 and subject to change.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100. The LVR value compares the amount you have owning on your home loan against the actual value of your property. For example, if your property was valued at $400,000 and your loan amount was $340,000, your LVR would be 85%.
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 calculated 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. Fixed rate comparison rates only apply for loans with a loan amount of $150,000 to less than $400,000. The comparison rates for fixed loans with interest only repayments are based on the interest only period being equal to the fixed rate term.
Member Package annual fee of $395 applies.
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.

Terms, conditions, fees and charges apply. Applications are subject to credit approval.

Owner occupier rates.

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Principal & Interest

Basic Home Loan - Loan amount <$150k

Basic Home Loan - Loan amount ≥$150k

Flexible Home Loan

Flexible Home Loan Member Package⁴ - Loan amount <$150k

Flexible Home Loan Member Package⁴ - Loan amount ≥$150k - <$400k

Flexible Home Loan Member Package⁴ - Loan amount ≥$400k - <$700k

Flexible Home Loan Member Package⁴ - Loan amount ≥$700k

Fixed Rates - Flexible Home Loan⁵

Fixed Rates - Flexible Home Loan with Member Package⁵

Interest Only

Basic Home Loan - Loan amount <$150k

Basic Home Loan - Loan amount ≥$150k

Flexible Home Loan

Flexible Home Loan Member Package⁴ - Loan amount <$150k

Flexible Home Loan Member Package⁴ - Loan amount ≥$150k - <$400k

Flexible Home Loan Member Package⁴ - Loan amount ≥$400k - <$700k

Flexible Home Loan Member Package⁴ - Loan amount ≥$700k

Fixed Rates Flexible Home Loan⁵

Fixed Rates - Flexible Home Loan with Member Package⁵

Variable Reference Rates

Variable Reference Rates

Owner occupier.

Investor.

Retro.

COMPARE.

MOBILE BANKER.

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The legal stuff.

The legal stuff.

Owner occupier rates.

Need help finding your rate?

Need help finding your rate?

Principal & Interest

Basic Home Loan - Loan amount <$150k

Basic Home Loan - Loan amount ≥$150k

Flexible Home Loan

Flexible Home Loan Member Package4 - Loan amount <$150k

Flexible Home Loan Member Package4 - Loan amount ≥$150k - <$400k

Flexible Home Loan Member Package4 - Loan amount ≥$400k - <$700k

Flexible Home Loan Member Package4 - Loan amount ≥$700k

Fixed Rates - Flexible Home Loan5

Fixed Rates - Flexible Home Loan with Member Package5

Interest Only

Basic Home Loan - Loan amount <$150k

Basic Home Loan - Loan amount ≥$150k

Flexible Home Loan

Flexible Home Loan Member Package4 - Loan amount <$150k

Flexible Home Loan Member Package4 - Loan amount ≥$150k - <$400k

Flexible Home Loan Member Package4 - Loan amount ≥$400k - <$700k

Flexible Home Loan Member Package4 - Loan amount ≥$700k

Fixed Rates Flexible Home Loan5

Fixed Rates - Flexible Home Loan with Member Package5

Variable Reference Rates

Variable Reference Rates

Owner occupier.

Investor.

Retro.

COMPARE.

MOBILE BANKER.

CALL US.

The legal stuff.

The legal stuff.

Flexible Home Loan Member Package⁴ - Loan amount <$150k

Flexible Home Loan Member Package⁴ - Loan amount ≥$150k - <$400k

Flexible Home Loan Member Package⁴ - Loan amount ≥$400k - <$700k

Flexible Home Loan Member Package⁴ - Loan amount ≥$700k

Fixed Rates - Flexible Home Loan⁵

Fixed Rates - Flexible Home Loan with Member Package⁵

Flexible Home Loan Member Package⁴ - Loan amount <$150k

Flexible Home Loan Member Package⁴ - Loan amount ≥$150k - <$400k

Flexible Home Loan Member Package⁴ - Loan amount ≥$400k - <$700k

Flexible Home Loan Member Package⁴ - Loan amount ≥$700k

Fixed Rates Flexible Home Loan⁵

Fixed Rates - Flexible Home Loan with Member Package⁵