Principal & Interest

Explore our variable and fixed owner occupied home loan rates. 

Interest Only

Variable Reference Rates

Variable Reference Rates

Need to see our Variable Reference rates? See all reference rates

Owner occupier.

Rates to get you home.

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Rates for the go-getter.

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

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Sussing out which home loan suits you best? Try our handy home loan comparison calculator.

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The legal stuff.

The legal stuff.

Interest rates are current as at 8am 18-May-2022 and subject to change.

  1. 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%.
  2. 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.
  3. 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.
  4. Member Package annual fee of $395 applies.
  5. 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.