Owner Occupier Home Loan Rates - Interest Rates

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EconoME Home Loan

Explore our interest rates for an EconoME Home Loan.

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Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.70% p.a.	7.72% p.a.	7.23% p.a.	+0.47% p.a.
60.01% to 70%	7.70% p.a.	7.72% p.a.	7.23% p.a.	+0.47% p.a.
70.01% to 80%	7.70% p.a.	7.72% p.a.	7.23% p.a.	+0.47% p.a.
80.01% to 90%	7.96% p.a.	7.98% p.a.	7.23% p.a.	+0.73% p.a.
90.01% to 95%	7.96% p.a.	7.98% p.a.	7.23% p.a.	+0.73% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	5.33% p.a.	5.35% p.a.	7.23% p.a.	-1.90% p.a.
60.01% to 70%	5.33% p.a.	5.35% p.a.	7.23% p.a.	-1.90% p.a.
70.01% to 80%	5.38% p.a.	5.40% p.a.	7.23% p.a.	-1.85% p.a.
80.01% to 90%	5.59% p.a.	5.61% p.a.	7.23% p.a.	-1.64% p.a.
90.01% to 95%	7.02% p.a.	7.04% p.a.	7.23% p.a.	-0.21% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	0% to 60%	6.04% p.a.	5.42% p.a.
	60.01% to 70%	6.04% p.a.	5.42% p.a.
	70.01% to 80%	6.04%p.a.	5.46%p.a.
	80.01% to 90%	6.39%p.a.	5.69%p.a.
	90.01% to 95%	7.34%p.a.	7.07%p.a.
2 year	0% to 60%	5.79% p.a.	5.43% p.a.
	60.01% to 70%	5.79% p.a.	5.43% p.a.
	70.01% to 80%	5.79%p.a.	5.47%p.a.
	80.01% to 90%	6.14%p.a.	5.71%p.a.
	90.01% to 95%	6.74%p.a.	6.98%p.a.
3 year	0% to 60%	5.94% p.a.	5.52% p.a.
	60.01% to 70%	5.94% p.a	5.52% p.a
	70.01% to 80%	5.94%p.a.	5.55%p.a.
	80.01% to 90%	6.19%p.a.	5.77%p.a.
	90.01% to 95%	6.84%p.a.	6.98%p.a.
4 year	0% to 60%	6.24% p.a.	5.67% p.a.
	60.01% to 70%	6.24% p.a.	5.67% p.a.
	70.01% to 80%	6.24%p.a.	5.70%p.a.
	80.01% to 90%	6.49%p.a.	5.93%p.a.
	90.01% to 95%	6.99%p.a.	7.02%p.a.
5 year	0% to 60%	6.24% p.a.	5.74% p.a.
	60.01% to 70%	6.24% p.a.	5.74% p.a.
	70.01% to 80%	6.24%p.a.	5.77%p.a.
	80.01% to 90%	6.49%p.a.	6.00%p.a.
	90.01% to 95%	7.14%p.a.	7.09%p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.42% p.a.	7.59% p.a.	7.73% p.a.	-0.31% p.a.
60.01% to 70%	7.42% p.a.	7.59% p.a.	7.73% p.a.	-0.31% p.a.
70.01% to 80%	7.42% p.a.	7.59% p.a.	7.73% p.a.	-0.31% p.a.
80.01% to 90%	7.73% p.a.	7.87% p.a.	7.73% p.a.	0.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.42% p.a.	6.24% p.a.	7.73% p.a.	-0.31% p.a.
60.01% to 70%	7.42% p.a.	6.24% p.a.	7.73% p.a.	-0.31% p.a.
70.01% to 80%	7.42% p.a.	6.27% p.a.	7.73% p.a.	-0.31% p.a.
80.01% to 90%	7.73% p.a.	6.53% p.a.	7.73% p.a.	0.00% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	0% to 60%	7.09% p.a.	5.52% p.a.
	60.01% to 70%	7.09% p.a.	5.52% p.a.
	70.01% to 80%	7.09%p.a.	5.56%p.a.
	80.01% to 90%	7.34%p.a.	5.78%p.a.
2 year	0% to 60%	6.79% p.a.	5.62% p.a.
	60.01% to 70%	6.79% p.a.	5.62% p.a.
	70.01% to 80%	6.79%p.a.	5.66%p.a.
	80.01% to 90%	6.79%p.a.	5.84%p.a.
3 year	0% to 60%	6.59% p.a.	5.69% p.a.
	60.01% to 70%	6.59% p.a	5.69% p.a
	70.01% to 80%	6.59%p.a.	5.73%p.a.
	80.01% to 90%	6.49%p.a.	5.85%p.a.
4 year	0% to 60%	6.99% p.a.	5.93% p.a.
	60.01% to 70%	6.99% p.a.	5.93% p.a.
	70.01% to 80%	6.99%p.a.	5.96%p.a.
	80.01% to 90%	6.79%p.a.	6.03%p.a.
5 year	0% to 60%	7.19% p.a.	6.14% p.a.
	60.01% to 70%	7.19% p.a.	6.14% p.a.
	70.01% to 80%	7.19%p.a.	6.17%p.a.
	80.01% to 90%	6.99%p.a.	6.20%p.a.

CompleteME Home Loan

Explore our interest rates for a CompleteME Home Loan.

We've launched a whole new way
to home loan.

Find out more

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.63% p.a.	7.99% p.a.	8.82% p.a.	-1.19% p.a.
60.01% to 70%	7.75% p.a.	8.11% p.a.	8.82% p.a.	-1.07% p.a.
70.01% to 80%	7.75% p.a.	8.11% p.a.	8.82% p.a.	-1.07% p.a.
80.01% to 90%	7.61% p.a.	7.97% p.a.	8.82% p.a.	-1.21% p.a.
90.01% to 95%	7.96% p.a.	8.32% p.a.	8.82% p.a.	-0.86% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	5.34% p.a.	5.73% p.a.	8.82% p.a.	-3.48% p.a.
60.01% to 70%	5.39% p.a.	5.78% p.a.	8.82% p.a.	-3.43% p.a.
70.01% to 80%	5.39% p.a.	5.78% p.a.	8.82% p.a.	-3.43% p.a.
80.01% to 90%	5.59% p.a.	5.98% p.a.	8.82% p.a.	-3.23% p.a.
90.01% to 95%	7.41% p.a.	7.77% p.a.	8.82% p.a.	-1.41% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	5.34% p.a.	5.73% p.a.	8.82% p.a.	-3.48% p.a.
60.01% to 70%	5.39% p.a.	5.78% p.a.	8.82% p.a.	-3.43% p.a.
70.01% to 80%	5.39% p.a.	5.78% p.a.	8.82% p.a.	-3.43% p.a.
80.01% to 90%	5.59% p.a.	5.98% p.a.	8.82% p.a.	-3.23% p.a.
90.01% to 95%	7.41% p.a.	7.77% p.a.	8.82% p.a.	-1.41% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	5.34% p.a.	5.73% p.a.	8.82% p.a.	-3.48% p.a.
60.01% to 70%	5.39% p.a.	5.78% p.a.	8.82% p.a.	-3.43% p.a.
70.01% to 80%	5.39% p.a.	5.78% p.a.	8.82% p.a.	-3.43% p.a.
80.01% to 90%	5.59% p.a.	5.98% p.a.	8.82% p.a.	-3.23% p.a.
90.01% to 95%	7.41% p.a.	7.77% p.a.	8.82% p.a.	-1.41% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	0% to 60%	6.04% p.a.	5.80% p.a.
	60.01% to 70%	6.04% p.a.	5.85% p.a.
	70.01% to 80%	6.04% p.a.	5.85% p.a.
	80.01% to 90%	6.39%p.a.	6.06%p.a.
	90.01% to 95%	7.34%p.a.	7.77%p.a.
2 year	0% to 60%	5.79% p.a.	5.82% p.a.
	60.01% to 70%	5.79% p.a.	5.86% p.a.
	70.01% to 80%	5.79% p.a.	5.86% p.a.
	80.01% to 90%	6.14%p.a.	6.09%p.a.
	90.01% to 95%	6.74%p.a.	7.63%p.a.
3 year	0% to 60%	5.94% p.a.	5.90% p.a.
	60.01% to 70%	5.94% p.a	5.93% p.a
	70.01% to 80%	5.94% p.a	5.93% p.a
	80.01% to 90%	6.19%p.a.	6.15%p.a.
	90.01% to 95%	6.84%p.a.	7.60%p.a.
4 year	0% to 60%	6.24% p.a.	6.06% p.a.
	60.01% to 70%	6.24% p.a.	6.09% p.a.
	70.01% to 80%	6.24% p.a.	6.09% p.a.
	80.01% to 90%	6.49%p.a.	6.30%p.a.
	90.01% to 95%	6.99%p.a.	7.61%p.a.
5 year	0% to 60%	6.24% p.a.	6.12% p.a.
	60.01% to 70%	6.24% p.a.	6.15% p.a.
	70.01% to 80%	6.24% p.a.	6.15% p.a.
	80.01% to 90%	6.49%p.a.	6.37%p.a.
	90.01% to 95%	7.14%p.a.	7.65%p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	8.21% p.a.	8.23% p.a.	9.32% p.a.	-1.11% p.a.
60.01% to 70%	8.21% p.a.	8.30% p.a.	9.32% p.a.	-1.11% p.a.
70.01% to 80%	8.21% p.a.	8.30% p.a.	9.32% p.a.	-1.11% p.a.
80.01% to 90%	9.32% p.a.	8.75% p.a.	9.32% p.a.	0.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.12% p.a.	6.46% p.a.	9.32% p.a.	-2.20% p.a.
60.01% to 70%	7.12% p.a.	6.49% p.a.	9.32% p.a.	-2.20% p.a.
70.01% to 80%	7.12% p.a.	6.49% p.a.	9.32% p.a.	-2.20% p.a.
80.01% to 90%	9.32% p.a.	7.64% p.a.	9.32% p.a.	0.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.12% p.a.	6.46% p.a.	9.32% p.a.	-2.20% p.a.
60.01% to 70%	7.12% p.a.	6.49% p.a.	9.32% p.a.	-2.20% p.a.
70.01% to 80%	7.12% p.a.	6.49% p.a.	9.32% p.a.	-2.20% p.a.
80.01% to 90%	9.32% p.a.	7.64% p.a.	9.32% p.a.	0.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.12% p.a.	6.46% p.a.	9.32% p.a.	-2.20% p.a.
60.01% to 70%	7.12% p.a.	6.49% p.a.	9.32% p.a.	-2.20% p.a.
70.01% to 80%	7.12% p.a.	6.49% p.a.	9.32% p.a.	-2.20% p.a.
80.01% to 90%	9.32% p.a.	7.64% p.a.	9.32% p.a.	0.00% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	0% to 60%	7.09% p.a.	5.90% p.a.
	60.01% to 70%	7.09% p.a.	5.95% p.a.
	70.01% to 80%	7.09% p.a.	5.95% p.a.
	80.01% to 90%	7.34%p.a.	6.15%p.a.
2 year	0% to 60%	6.79% p.a.	6.00% p.a.
	60.01% to 70%	6.79% p.a.	6.04% p.a.
	70.01% to 80%	6.79% p.a.	6.04% p.a.
	80.01% to 90%	6.79%p.a.	6.20%p.a.
3 year	0% to 60%	6.59% p.a.	6.06% p.a.
	60.01% to 70%	6.59% p.a	6.09% p.a
	70.01% to 80%	6.59% p.a	6.09% p.a
	80.01% to 90%	6.49%p.a.	6.21%p.a.
4 year	0% to 60%	6.99% p.a.	6.29% p.a.
	60.01% to 70%	6.99% p.a.	6.33% p.a.
	70.01% to 80%	6.99% p.a.	6.33% p.a.
	80.01% to 90%	6.79%p.a.	6.38%p.a.
5 year	0% to 60%	7.19% p.a.	6.50% p.a.
	60.01% to 70%	7.19% p.a.	6.52% p.a.
	70.01% to 80%	7.19% p.a.	6.52% p.a.
	80.01% to 90%	6.99%p.a.	6.55%p.a.

Basic Home Loan

Explore our interest rates for a Basic Home Loan.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
Above 70% and less than or equal to 80%	7.70% p.a.	7.72% p.a.	7.23% p.a.	+0.47% p.a.
Above 80% and less than or equal to 90%	7.96% p.a.	7.98% p.a.	7.23% p.a.	+0.73% p.a.
More than 90%	7.96% p.a.	7.98% p.a.	7.23% p.a.	+0.73% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
Above 70% and less than or equal to 80%	5.38% p.a.	5.40% p.a.	7.23% p.a.	-1.85% p.a.
Above 80% and less than or equal to 90%	5.59% p.a.	5.61% p.a.	7.23% p.a.	-1.64% p.a.
More than 90%	7.02% p.a.	7.04% p.a.	7.23% p.a.	-0.21% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
Above 70% and less than or equal to 80%	7.67% p.a.	7.71% p.a.	7.73% p.a.	-0.06% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
Above 70% and less than or equal to 80%	7.67% p.a.	6.42% p.a.	7.73% p.a.	-0.06% p.a.

Flexible Home Loan

Explore our variable and fixed interest rates for a Flexible Home Loan.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	7.90% p.a.	7.92% p.a.	7.82% p.a.	+0.08% p.a.
Above 80% and less than or equal to 90%	8.11% p.a.	8.13% p.a.	7.82% p.a.	+0.29% p.a.
More than 90%	8.11% p.a.	8.13% p.a.	7.82% p.a.	+0.29% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	80% or less	6.19% p.a.	7.74% p.a.
	Above 80% and less than or equal to 90%	6.54% p.a.	7.96% p.a.
	More than 90%	7.49%p.a.	8.06%p.a.
2 year	80% or less	5.94% p.a.	7.52% p.a.
	Above 80% and less than or equal to 90%	6.29% p.a.	7.75% p.a.
	More than 90%	6.89%p.a.	7.88%p.a.
3 year	80% or less	6.09% p.a.	7.39% p.a.
	Above 80% and less than or equal to 90%	6.34% p.a	7.60% p.a
	More than 90%	6.99%p.a.	7.80%p.a.
4 year	80% or less	6.39% p.a.	7.35% p.a.
	Above 80% and less than or equal to 90%	6.64% p.a.	7.57% p.a.
	More than 90%	7.14%p.a.	7.76%p.a.
5 year	80% or less	6.39% p.a.	7.24% p.a.
	Above 80% and less than or equal to 90%	6.64% p.a.	7.47% p.a.
	More than 90%	7.29%p.a.	7.76%p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	8.61% p.a.	8.26% p.a.	8.32% p.a.	+0.29% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	80% or less	7.24% p.a.	7.85% p.a.
2 year	80% or less	6.94% p.a.	7.72% p.a.
3 year	80% or less	6.74% p.a.	7.58% p.a.
4 year	80% or less	7.14% p.a.	7.63% p.a.
5 year	80% or less	7.34% p.a.	7.67% p.a.

Flexible Home Loan
with Member Package

Explore our variable and fixed interest rates for a Flexible Home Loan with Member Package⁴

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	7.63% p.a.	8.00% p.a.	7.62% p.a.	+0.01% p.a.
Above 50% and less than 60%	7.63% p.a.	8.00% p.a.	7.62% p.a.	+0.01% p.a.
Above 60% and less than or equal to 70%	7.63% p.a.	8.00% p.a.	7.62% p.a.	+0.01% p.a
Above 70% and less than or equal to 80%	7.75% p.a.	8.12% p.a.	7.62% p.a.	+0.13% p.a.
Above 80% and less than or equal to 90%	7.61% p.a.	7.98% p.a.	7.62% p.a.	-0.01% p.a.
More than 90%	7.96% p.a.	8.33% p.a	7.62% p.a.	+0.34% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	5.34% p.a.	5.74% p.a.	7.62% p.a.	-2.28% p.a.
Above 50% and less than 60%	5.34% p.a.	5.74% p.a.	7.62% p.a.	-2.28% p.a.
Above 60% and less than or equal to 70%	5.39% p.a.	5.79% p.a.	7.62% p.a.	-2.23% p.a.
Above 70% and less than or equal to 80%	5.39% p.a.	5.79% p.a.	7.62% p.a.	-2.23% p.a.
Above 80% and less than or equal to 90%	5.59% p.a.	5.99% p.a.	7.62% p.a.	-2.03% p.a.
More than 90%	7.41% p.a.	7.78% p.a	7.62% p.a.	-0.21% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	5.34% p.a.	5.74% p.a.	7.62% p.a.	-2.28% p.a.
Above 50% and less than 60%	5.34% p.a.	5.74% p.a.	7.62% p.a.	-2.28% p.a.
Above 60% and less than or equal to 70%	5.39% p.a.	5.79% p.a.	7.62% p.a.	-2.23% p.a.
Above 70% and less than or equal to 80%	5.39% p.a.	5.79% p.a.	7.62% p.a.	-2.23% p.a.
Above 80% and less than or equal to 90%	5.59% p.a.	5.99% p.a.	7.62% p.a.	-2.03% p.a.
More than 90%	7.41% p.a.	7.78% p.a	7.62% p.a.	-0.21% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	5.34% p.a.	5.74% p.a.	7.62% p.a.	-2.28% p.a.
Above 50% and less than 60%	5.34% p.a.	5.74% p.a.	7.62% p.a.	-2.28% p.a.
Above 60% and less than or equal to 70%	5.39% p.a.	5.79% p.a.	7.62% p.a.	-2.23% p.a.
Above 70% and less than or equal to 80%	5.39% p.a.	5.79% p.a.	7.62% p.a.	-2.23% p.a.
Above 80% and less than or equal to 90%	5.59% p.a.	5.99% p.a.	7.62% p.a.	-2.03% p.a.
More than 90%	7.41% p.a.	7.78% p.a	7.62% p.a.	-0.21% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	50% or less	6.04% p.a.	5.81% p.a.
	Above 50% and less than 60%	6.04% p.a.	5.81% p.a.
	Above 60% and less than or equal to 70%	6.04% p.a.	5.85% p.a.
	Above 70% and less than or equal to 80%	6.04% p.a.	5.85% p.a.
	Above 80% and less than or equal to 90%	6.39% p.a.	6.07% p.a.
	More than 90%	7.34% p.a.	7.77% p.a.
2 year	50% or less	5.79% p.a.	5.83% p.a.
	Above 50% and less than 60%	5.79% p.a.	5.83% p.a.
	Above 60% and less than or equal to 70%	5.79% p.a.	5.87% p.a.
	Above 70% and less than or equal to 80%	5.79% p.a.	5.87% p.a.
	Above 80% and less than or equal to 90%	6.14% p.a.	6.09% p.a.
	More than 90%	6.74% p.a.	7.64% p.a.
3 year	50% or less	5.94% p.a.	5.91% p.a.
	Above 50% and less than 60%	5.94% p.a.	5.91% p.a.
	Above 60% and less than or equal to 70%	5.94% p.a.	5.94% p.a.
	Above 70% and less than or equal to 80%	5.94% p.a.	5.94% p.a.
	Above 80% and less than or equal to 90%	6.19% p.a.	6.15% p.a.
	More than 90%	6.84% p.a.	7.61% p.a.
4 year	50% or less	6.24% p.a	6.06% p.a.
	Above 50% and less than 60%	6.24% p.a.	6.06% p.a.
	Above 60% and less than or equal to 70%	6.24% p.a.	6.09% p.a.
	Above 70% and less than or equal to 80%	6.24% p.a.	6.09% p.a.
	Above 80% and less than or equal to 90%	6.49% p.a.	6.31% p.a.
	More than 90%	6.99% p.a.	7.62% p.a.
5 year	50% or less	6.24% p.a.	6.13% p.a.
	Above 50% and less than 60%	6.24% p.a.	6.13% p.a.
	Above 60% and less than or equal to 70%	6.24% p.a.	6.16% p.a.
	Above 70% and less than or equal to 80%	6.24% p.a.	6.16% p.a.
	Above 80% and less than or equal to 90%	6.49% p.a.	6.38% p.a.
	More than 90%	7.14% p.a.	7.66% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	8.21% p.a.	8.33% p.a.	8.12% p.a.	+0.09% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	7.12% p.a.	6.55% p.a.	8.12% p.a.	-1.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	7.12% p.a.	6.55% p.a.	8.12% p.a.	-1.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
80% or less	7.12% p.a.	6.55% p.a.	8.12% p.a.	-1.00% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	80% or less	7.09% p.a.	5.96% p.a.
2 year	80% or less	6.79% p.a.	6.06% p.a.
3 year	80% or less	6.59% p.a.	6.13% p.a.
4 year	80% or less	6.99% p.a.	6.37% p.a.
5 year	80% or less	7.19% p.a.	6.58% p.a.

Reference Rates

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Owner Occupier

Rates to get you home.

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Investor

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 19-Jan-2026 and subject to change.

* A current fixed rate can be secured for 90 days by paying a $750 rate lock request fee. At settlement you will get the better of the two rates.

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 base rate/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.

Terms, conditions, fees and charges apply. Applications are subject to credit approval. Solicitor, valuation and agent fees may apply.

Owner occupier rates.

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EconoME Home Loan

Principal and Interest - Variable <$150K

Principal and Interest - Variable ≥$150K

Principal and Interest - Fixed Rate*

Interest Only - Variable <$150K

Interest Only - Variable ≥$150K

Interest Only - Fixed*

CompleteME Home Loan

Principal and Interest - Variable <$150K

Principal and Interest - Variable ≥$150K - <$400K

Principal and Interest - Variable ≥$400K - <$700K

Principal and Interest - Variable ≥$700K

Principal and Interest - Fixed Rate*

Interest Only - Variable <$150K

Interest Only - Variable ≥$150K - <$400K

Interest Only - Variable ≥$400K - <$700K

Interest Only - Variable ≥$700K

Interest Only - Fixed Rate*

Basic Home Loan

Principal and Interest - Variable <$150k

Principal and Interest - Variable ≥$150k

Interest Only - Variable <$150k

Interest Only - Variable ≥$150k

Flexible Home Loan

Principal and Interest - Variable

Principal and Interest - Fixed Rate**

Interest Only - Variable

Interest Only - Fixed Rate **

Flexible Home Loan with Member Package

Member Package4- Principal and Interest - Variable <$150k

Member Package4- Principal and Interest - Variable ≥$150k - <$400k

Member Package4- Principal and Interest - Variable ≥$400k - <$700k

Member Package4- Principal and Interest - Variable ≥$700k

Member Package4- Principal and Interest - Fixed Rate **

Member Package4 - Interest Only - Variable <$150k

Member Package4 - Interest Only - Variable ≥$150k - <$400k

Member Package4 - Interest Only - Variable ≥$400k - <$700k

Member Package4 - Interest Only - Variable ≥$700k

Member Package4- Interest Only - Fixed Rate **

Reference Rates

Owner Occupier

Investor

Retro

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The legal stuff.

The legal stuff.

Principal and Interest - Fixed Rate^*

Interest Only - Fixed^*

Principal and Interest - Fixed Rate^*

Interest Only - Fixed Rate^*

Principal and Interest - Fixed Rate^**

Interest Only - Fixed Rate ^**

Flexible Home Loan
with Member Package

Member Package⁴- Principal and Interest - Variable <$150k

Member Package⁴- Principal and Interest - Variable ≥$150k - <$400k

Member Package⁴- Principal and Interest - Variable ≥$400k - <$700k

Member Package⁴- Principal and Interest - Variable ≥$700k

Member Package⁴- Principal and Interest - Fixed Rate ^**

Member Package⁴ - Interest Only - Variable <$150k

Member Package⁴ - Interest Only - Variable ≥$150k - <$400k

Member Package⁴ - Interest Only - Variable ≥$400k - <$700k

Member Package⁴ - Interest Only - Variable ≥$700k

Member Package⁴- Interest Only - Fixed Rate ^**