Home loan interest rates

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Owner Occupier rates for new loans

LVR stands for the initial loan-to-value ratio. The interest rates below are for new loans, and won’t change during the life of your loan as the LVR changes.

LVR⁺up to 70%: you’ll get an extra 0.10% p.a. discount off our standard interest rate if you’re borrowing less than 70% of our property valuation.
LVR⁺ above 70% up to 80%: our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.
LVR⁺above 80%: an extra 0.30% p.a. will be applied on top of our standard interest rate if you’re borrowing above 80% of our property valuation.

Standard Variable Rate - Owner Occupier

LVR	Annual Rate	Comparison rate¹
Principal & Interest
Standard rate	8.81% p.a.	8.95% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	8.71% p.a.	8.85% p.a.
LVR above 70% up to 80% (No change to standard rate)	8.81% p.a.	8.95% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	9.11% p.a.	9.25% p.a.
Interest only
Standard rate	9.40% p.a.	9.54% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	9.30% p.a.	9.44% p.a.
LVR above 70% up to 80% (No change to standard rate)	9.40% p.a.	9.54% p.a.

Standard Variable Rate - Owner Occupier with Advantage Package^*

LVR	Annual Rate including Advantage Package^* Discount of 1.32% p.a.	Comparison rate¹
Principal & Interest
Standard rate	7.49% p.a.	7.83% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	7.39% p.a.	7.73% p.a.
LVR above 70% up to 80% (No change to standard rate)	7.49% p.a.	7.83% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	7.79% p.a.	8.12% p.a.
Interest only
Standard rate	8.08% p.a.	8.41% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	7.98% p.a.	8.31% p.a.
LVR above 70% up to 80% (No change to standard rate)	8.08% p.a.	8.41% p.a.

Basic Home Loan - Owner Occupier

Term	Annual Rate	Comparison rate¹
Principal & Interest Special offer^{^} discount of 1.84% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate	6.39% p.a.	6.40% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.29% p.a.	6.30% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.39% p.a.	6.40% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.69% p.a.	6.70% p.a.
Interest only Special offer^{^^} discount of 1.43% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate	7.39% p.a.	7.40% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	7.29% p.a.	7.30% p.a.
LVR above 70% up to 80% (No change to standard rate)	7.39% p.a.	7.40% p.a.

Fixed Rates

LVR stands for the initial loan-to-value ratio. The interest rates below are for new loans, and won’t change during the life of your loan as the LVR changes.

LVR⁺up to 70%: you’ll get an extra 0.10% p.a. discount off our standard interest rate if you’re borrowing less than 70% of our property valuation.
LVR⁺ above 70% up to 80%: our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.
LVR⁺above 80%: an extra 0.30% p.a. will be applied on top of our standard interest rate if you’re borrowing above 80% of our property valuation.

Fixed Rate Home Loan - Owner Occupier

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year standard fixed rate	6.39% p.a.	8.67% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.29% p.a.	8.57% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.39% p.a.	8.67% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.69% p.a.	8.97% p.a.
2 year standard fixed rate	6.09% p.a.	8.36% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	5.99% p.a.	8.27% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.09% p.a.	8.36% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.39% p.a.	8.66% p.a.
3 year standard fixed rate	6.19% p.a.	8.15% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.09% p.a.	8.05% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	8.15% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	8.44% p.a.
4 year standard fixed rate	6.19% p.a.	7.94% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.09% p.a.	7.84% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.94% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	8.23% p.a.
5 year standard fixed rate	6.19% p.a.	7.75% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.09% p.a.	7.65% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.75% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	8.04% p.a.
Interest only
1 year standard fixed rate	6.69% p.a.	9.22% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.59% p.a.	9.12% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.69% p.a.	9.22% p.a.
2 year standard fixed rate	6.49% p.a.	8.90% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.39% p.a.	8.80% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	8.90% p.a.
3 year standard fixed rate	6.49% p.a.	8.63% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.39% p.a.	8.54% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	8.63% p.a.
4 year standard fixed rate	6.69% p.a.	8.47% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.59% p.a.	8.38% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.69% p.a.	8.47% p.a.
5 year standard fixed rate	6.69% p.a.	8.28% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.59% p.a.	8.18% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.69% p.a.	8.28% p.a.

Fixed Rate Home Loan - Owner Occupier with Advantage Package^*

Our Advantage Package gives you a 0.20% p.a. interest rate discount and other product savings, for one $395 annual package fee*. Available on loans over $150,000.

Term	*Annual rate including 0.20% p.a. package^ discount**	Comparison rate¹
Principal & Interest
1 year standard fixed rate less package discount	6.19% p.a.	7.68% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.09% p.a.	7.59% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.68% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	7.98% p.a.
2 year standard fixed rate less package discount	5.89% p.a.	7.50% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.79% p.a.	7.40% p.a.
LVR above 70% up to 80% (No change to standard rate)	5.89% p.a.	7.50% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.19% p.a.	7.79% p.a.
3 year standard fixed rate less package discount	5.99% p.a.	7.39% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.89% p.a.	7.29% p.a.
LVR above 70% up to 80% (No change to standard rate)	5.99% p.a.	7.39% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.29% p.a.	7.68% p.a.
4 year standard fixed rate less package discount	5.99% p.a.	7.27% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.89% p.a.	7.17% p.a.
LVR above 70% up to 80% (No change to standard rate)	5.99% p.a.	7.27% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.29% p.a.	7.56% p.a.
5 year standard fixed rate less package discount	5.99% p.a.	7.16% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.89% p.a.	7.06% p.a.
LVR above 70% up to 80% (No change to standard rate)	5.99% p.a.	7.16% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.29% p.a.	7.45% p.a.
Interest only
1 year standard fixed rate less package discount	6.49% p.a.	8.23% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.39% p.a.	8.13% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	8.23% p.a.
2 year standard fixed rate less package discount	6.29% p.a.	8.03% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.19% p.a.	7.93% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.29% p.a.	8.03% p.a.
3 year standard fixed rate less package discount	6.29% p.a.	7.87% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.19% p.a.	7.78% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.29% p.a.	7.87% p.a.
4 year standard fixed rate less package discount	6.49% p.a.	7.80% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.39% p.a.	7.71% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	7.80% p.a.
5 year standard fixed rate less package discount	6.49% p.a.	7.69% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.39% p.a.	7.59% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	7.69% p.a.

Relocation Home Loan - Owner Occupier

LVR	Annual Rate	Comparison rate¹
Interest only
With end loan
Standard rate	9.40% p.a.	9.54% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	9.30% p.a.	9.44% p.a.
LVR above 70% up to 80% (No change to standard rate)	9.40% p.a.	9.54% p.a.
Without end loan
Standard rate	9.40% p.a.	9.54% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	9.30% p.a.	9.44% p.a.
LVR above 70% up to 80% (No change to standard rate)	9.40% p.a.	9.54% p.a.

Residential
Investment rates for new loans

Variable Rates

LVR stands for the initial loan-to-value ratio. The interest rates below are for new loans, and won’t change during the life of your loan as the LVR changes.

LVR⁺up to 70%: you’ll get an extra 0.10% p.a. discount off our standard interest rate if you’re borrowing less than 70% of our property valuation.
LVR⁺ above 70% up to 80%: our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.
LVR⁺above 80%: an extra 0.30% p.a. will be applied on top of our standard interest rate if you’re borrowing above 80% of our property valuation.

Standard Variable Rate - Residential Investment

LVR	Annual Rate	Comparison rate¹
Principal & Interest
Standard rate	9.37% p.a.	9.51% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	9.27% p.a.	9.41% p.a.
LVR above 70% up to 80% (No change to standard rate)	9.37% p.a.	9.51% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	9.67% p.a.	9.81% p.a.
Interest only
Standard rate	9.66% p.a.	9.80% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	9.56% p.a.	9.70% p.a.
LVR above 70% up to 80% (No change to standard rate)	9.66% p.a.	9.80% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	9.96% p.a.	10.10% p.a.

Standard Variable Rate - Residential Investment with Advantage Package^*

Our Advantage Package offers a 1.32% p.a. variable interest rate discount and other product savings, for one $395 annual package fee^*. Available on loans over $100,000.

LVR	Annual Rate including Advantage Package^* Discount of 1.32% p.a.	Comparison rate¹
Principal & Interest
Standard rate	8.05% p.a.	8.38% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	7.95% p.a.	8.28% p.a.
LVR above 70% up to 80% (No change to standard rate)	8.05% p.a.	8.38% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	8.35% p.a.	8.67% p.a.
Interest only
Standard rate	8.34% p.a.	8.66% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	8.24% p.a.	8.57% p.a.
LVR above 70% up to 80% (No change to standard rate)	8.34% p.a.	8.66% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	8.64% p.a.	8.96% p.a.

Basic Home Loan - Residential Investment

LVR	Annual Rate	Comparison rate¹
Principal & Interest Special offer^{^^^} 2.15% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate	6.64% p.a.	6.65% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.54% p.a.	6.55% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.64% p.a.	6.65% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.94% p.a.	6.95% p.a.
Interest only Special offer^{^^^^} 2.09% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate	6.99% p.a.	7.00% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.89% p.a.	6.90% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.99% p.a.	7.00% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	7.29% p.a.	7.30% p.a.

Fixed Rates

LVR stands for the initial loan-to-value ratio. The interest rates below are for new loans, and won’t change during the life of your loan as the LVR changes.

LVR⁺up to 70%: you’ll get an extra 0.10% p.a. discount off our standard interest rate if you’re borrowing less than 70% of our property valuation.
LVR⁺ above 70% up to 80%: our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.
LVR⁺above 80%: an extra 0.30% p.a. will be applied on top of our standard interest rate if you’re borrowing above 80% of our property valuation.

Fixed Rate Home Loan - Residential Investment

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year standard fixed rate	6.54% p.a.	9.18% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.44% p.a.	9.08% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.54% p.a.	9.18% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.84% p.a.	9.47% p.a.
2 year standard fixed rate	6.29% p.a.	8.83% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.19% p.a.	8.74% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.29% p.a.	8.83% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.59% p.a.	9.12% p.a.
3 year standard fixed rate	6.39% p.a.	8.58% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.29% p.a.	8.49% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.39% p.a.	8.58% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.69% p.a.	8.87% p.a.
4 year standard fixed rate	6.39% p.a.	8.34% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.29% p.a.	8.25% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.39% p.a.	8.34% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.69% p.a.	8.63% p.a.
5 year standard fixed rate	6.39% p.a.	8.13% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.29% p.a.	8.03% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.39% p.a.	8.13% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.69% p.a.	8.42% p.a.
Interest only
1 year standard fixed rate	6.69% p.a.	9.45% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.59% p.a.	9.35% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.69% p.a.	9.45% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.99% p.a.	9.74% p.a.
2 year standard fixed rate	6.49% p.a.	9.10% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.39% p.a.	9.00% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	9.10% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.79% p.a.	9.39% p.a.
3 year standard fixed rate	6.49% p.a.	8.81% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.39% p.a.	8.71% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	8.81% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.79% p.a.	9.10% p.a.
4 year standard fixed rate	6.49% p.a.	8.55% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.39% p.a.	8.46% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	8.55% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.79% p.a.	8.84% p.a.
5 year standard fixed rate	6.49% p.a.	8.32% p.a.
LVR up to 70% (Includes discount of 0.10% p.a.)	6.39% p.a.	8.23% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	8.32% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.79% p.a.	8.61% p.a.

Fixed Rate Home Loan - Residential Investment with Advantage Package^*

Our Advantage Package gives you a 0.20% p.a. interest rate discount and other product savings, for one $395 annual package fee^*. Available on loans over $150,000.

Term	*Annual rate including 0.20% p.a. package^ discount**	Comparison rate¹
Principal & Interest
1 year standard fixed rate less package discount	6.34% p.a.	8.19% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.24% p.a.	8.09% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.34% p.a.	8.19% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.64% p.a.	8.48% p.a.
2 year standard fixed rate less package discount	6.09% p.a.	7.97% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.99% p.a.	7.87% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.09% p.a.	7.97% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.39% p.a.	8.26% p.a.
3 year standard fixed rate less package discount	6.19% p.a.	7.82% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.09% p.a.	7.73% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.82% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	8.11% p.a.
4 year standard fixed rate less package discount	6.19% p.a.	7.67% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.09% p.a.	7.58% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.67% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	7.96% p.a.
5 year standard fixed rate less package discount	6.19% p.a.	7.54% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.09% p.a.	7.44% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.54% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	7.83% p.a.
Interest only
1 year standard fixed rate less package discount	6.49% p.a.	8.46% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.39% p.a.	8.36% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.49% p.a.	8.46% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.79% p.a.	8.75% p.a.
2 year standard fixed rate less package discount	6.29% p.a.	8.23% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.19% p.a.	8.13% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.29% p.a.	8.23% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.59% p.a.	8.52% p.a.
3 year standard fixed rate less package discount	6.29% p.a.	8.05% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.19% p.a.	7.95% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.29% p.a.	8.05% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.59% p.a.	8.34% p.a.
4 year standard fixed rate less package discount	6.29% p.a.	7.88% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.19% p.a.	7.79% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.29% p.a.	7.88% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.59% p.a.	8.17% p.a.
5 year standard fixed rate less package discount	6.29% p.a.	7.74% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.19% p.a.	7.64% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.29% p.a.	7.74% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	6.59% p.a.	8.02% p.a.

Existing Home Loan Rates

Variable Rates

Variable Loans Reference Rates²

The reference rate is your variable interest rate before any discount or margin. To find out your reference rate, please refer to your loan contract or contact us on 1300 304 660.

	Annual Rate	Comparison rate¹
Owner Occupier Standard Variable Rate	8.81% p.a.	8.95% p.a.
Owner Occupier Interest Only Standard Variable Rate	9.40% p.a.	9.54% p.a.
Residential Investment Standard Variable Rate	9.37% p.a.	9.51% p.a.
Residential Investment Interest Only Standard Variable Rate	9.66% p.a.	9.80% p.a.
Portfolio Loan Variable Rate _{Loan type not available for applications from 30 September 2021}	10.23% p.a.	n/a
Owner Occupier Basic Rate	8.23% p.a.	8.24% p.a.
Owner Occupier Interest Only Basic Rate	8.82% p.a.	8.83% p.a.
Residential Investment Basic Rate	8.79% p.a.	8.80% p.a.
Residential Investment Interest Only Basic Rate	9.08% p.a.	9.09% p.a.

Fixed Rate Owner Occupied

Fixed Rate Home Loan - Owner Occupier

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loan.

Note that a discount or margin may apply – please refer to your loan contract or fixed rate maturity letter or call 1300 304 660.

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year fixed	6.39% p.a.	8.67% p.a.
2 year fixed	6.09% p.a.	8.36% p.a.
3 year fixed	6.19% p.a.	8.15% p.a.
4 year fixed	6.19% p.a.	7.94% p.a.
5 year fixed	6.19% p.a.	7.75% p.a.
Interest only
1 year fixed	6.69% p.a.	9.22% p.a.
2 year fixed	6.49% p.a.	8.90% p.a.
3 year fixed	6.49% p.a.	8.63% p.a.
4 year fixed	6.69% p.a.	8.47% p.a.
5 year fixed	6.69% p.a.	8.28% p.a.

Fixed Rate Home Loan - Owner Occupier with Advantage Package^*

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loan under our Advantage Package^* and include the 0.20% p.a. package discount.

Note that a discount or margin may apply – please refer to your loan contract or fixed rate maturity letter or call 1300 304 660.

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year fixed	6.19% p.a.	7.68% p.a.
2 year fixed	5.89% p.a.	7.50% p.a.
3 year fixed	5.99% p.a.	7.39% p.a.
4 year fixed	5.99% p.a.	7.27% p.a.
5 year fixed	5.99% p.a.	7.16% p.a.
Interest only
1 year fixed	6.49% p.a.	8.23% p.a.
2 year fixed	6.29% p.a.	8.03% p.a.
3 year fixed	6.29% p.a.	7.87% p.a.
4 year fixed	6.49% p.a.	7.80% p.a.
5 year fixed	6.49% p.a.	7.69% p.a.

Fixed Rate Residential Investment

Fixed Rate Home Loan - Residential Investment

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loans.

Note that a discount or margin may apply – please refer to your loan contract or fixed rate maturity letter or call 1300 304 660.

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year fixed	6.54% p.a.	9.18% p.a.
2 year fixed	6.29% p.a.	8.83% p.a.
3 year fixed	6.39% p.a.	8.58% p.a.
4 year fixed	6.39% p.a.	8.34% p.a.
5 year fixed	6.39% p.a.	8.13% p.a.
Interest only
1 year fixed	6.69% p.a.	9.45% p.a.
2 year fixed	6.49% p.a.	9.10% p.a.
3 year fixed	6.49% p.a.	8.81% p.a.
4 year fixed	6.49% p.a.	8.55% p.a.
5 year fixed	6.49% p.a.	8.32% p.a.

Fixed Rate Home Loan - Residential Investment with Advantage Package^*

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loan under our Advantage package^*and include the 0.20% p.a. package discount.

Note that a discount or margin may apply – please refer to your loan contract or fixed rate maturity letter or call 1300 304 660.

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year fixed	6.34% p.a.	8.19% p.a.
2 year fixed	6.09% p.a.	7.97% p.a.
3 year fixed	6.19% p.a.	7.82% p.a.
4 year fixed	6.19% p.a.	7.67% p.a.
5 year fixed	6.19% p.a.	7.54% p.a.
Interest only
1 year fixed	6.49% p.a.	8.46% p.a.
2 year fixed	6.29% p.a.	8.23% p.a.
3 year fixed	6.29% p.a.	8.05% p.a.
4 year fixed	6.29% p.a.	7.88% p.a.
5 year fixed	6.29% p.a.	7.74% p.a.

Specialist

Portfolio Loan - Residential Investment

Loan type not available for applications from 30 September 2021

Get an Advantage Package^* discount on Balances $100,000+

Balances	Annual Rate
Standard Variable Rate	10.23% p.a.
Standard Variable Rate with Advantage Package^* discount of 1.32% p.a. included in the annual rate.	8.91% p.a.

Super Fund Home Loan – Residential Investment

Loan type not available for applications after 30 July 2018

Term	Annual rate	Comparison rate¹
Principal & Interest
Variable Rate	10.12% p.a.	10.34% p.a.
Fixed Rate
1 year fixed	7.39% p.a.	10.00% p.a.
2 year fixed	7.29% p.a.	9.69% p.a.
3 year fixed	7.49% p.a.	9.49% p.a.
4 year fixed	7.49% p.a.	9.27% p.a.
5 year fixed	7.59% p.a.	9.12% p.a.

Relocation Loan with end debt

Term	Annual rate	Comparison rate
Interest Only	9.40% p.a.	9.54% p.a.

Relocation Loan without end debt

Term	Annual rate	Comparison rate
Interest Only	9.40% p.a.	9.54% p.a.

Available for owner occupiers buying a new home, building a new home using a building contractor, or buying vacant land to build. Not available for purposes including owner builders, investment, purchasing vacant land with no intention to complete a build within 12 months, or extended settlement loan.

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Important information

Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 43KB)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

Taxation considerations in this publication should not be interpreted or used as tax advice or a tax guide.

Fixed Interest Rates: The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable interest rate.

^*Advantage Package: Terms & Conditions (PDF 2MB) apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Before deciding to acquire a St.George transaction account, read the terms & conditions, and consider if the product is right for you.

^**Rate Lock: St.George will apply the fixed rate available at the loan settlement date or the date the fixed rate term commences, unless you lock a fixed rate in on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.15% of your loan amount or $500, whichever is higher, capped at $1000 for loans up to $2M. For loans above $2M, the fixed rate lock-in fee is 0.15% of your loan amount. At the end of your fixed rate term, the interest rate will convert to our standard variable interest rate, unless a new fixed rate term’s selected and then the fixed rate is determined on the day the fixed term ends.

^***Available for Owner Occupier and Investment Property Loans with Principal & Interest and Interest only repayments.

⁺LVR stands for the initial loan to value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.

^{^}Basic Home Loan Promotional Principal and Interest Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

^{^^}Basic Home Loan Promotional Interest Only Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Interest Only repayments received from 26/10/2020. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

^{^^^}Residential Investment Basic Principal and Interest Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

^{^^^^}Residential Investment Basic Interest Only Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

¹Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

² For sale products only

Home Loan Interest rates

Owner Occupier rates for new loans

Standard Variable Rate - Owner Occupier

Standard Variable Rate - Owner Occupier with Advantage Package^*

Basic Home Loan - Owner Occupier

Fixed Rate Home Loan - Owner Occupier

Fixed Rate Home Loan - Owner Occupier with Advantage Package^*

Relocation Home Loan - Owner Occupier

Residential
Investment rates for new loans

Standard Variable Rate - Residential Investment

Standard Variable Rate - Residential Investment with Advantage Package^*

Basic Home Loan - Residential Investment

Fixed Rate Home Loan - Residential Investment

Fixed Rate Home Loan - Residential Investment with Advantage Package^*

Existing Home Loan Rates

Variable Loans Reference Rates²

Fixed Rate Home Loan - Owner Occupier

Fixed Rate Home Loan - Owner Occupier with Advantage Package^*

Fixed Rate Home Loan - Residential Investment

Fixed Rate Home Loan - Residential Investment with Advantage Package^*

Portfolio Loan - Residential Investment

Loan type not available for applications from 30 September 2021

Super Fund Home Loan – Residential Investment

Loan type not available for applications after 30 July 2018

Relocation Loan with end debt

Relocation Loan without end debt

Start your application online

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Home Loan Interest rates

Owner Occupier rates for new loans

Standard Variable Rate - Owner Occupier

Standard Variable Rate - Owner Occupier with Advantage Package*

Basic Home Loan - Owner Occupier

Residential Investment rates for new loans

Standard Variable Rate - Residential Investment

Standard Variable Rate - Residential Investment with Advantage Package*

Basic Home Loan - Residential Investment

Existing Home Loan Rates

Variable Loans Reference Rates2

Start your application online

Request a call back

Call us on

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Standard Variable Rate - Owner Occupier with Advantage Package^*

Residential
Investment rates for new loans

Standard Variable Rate - Residential Investment with Advantage Package^*

Variable Loans Reference Rates²