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Home Loan Variable: 5.20% (5.24%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.20% (5.24%*) • Investment IO: 5.78% (6.81%*) • Investment PI: 5.58% (6.62%*)

  Ultimate Essentials Fixed

The cream of the crop when it comes to our range of home loans on offer.
Category: Home Loans  Last Updated April 16, 2024  Effective July 14, 2014

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Ultimate Package fixed (OO)
Interest Rate
6.29% PA
Comparison Rate
7.27%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Other Additional Information: First Home Loan Deposit Scheme.
  • Other Additional Information: Loan Portability
  • Other Additional Information: No application or establishment fees.
  • Other Additional Information: No monthly fees.
  • Other Additional Information: Split Loan Facility
  • Other Additional Information: Fixed rate option available
  • Other Additional Information: Home Loan Consultants
  • Free Txns Additional Information: No fees for extra repayments.
  • Complementary Product Discounts Additional Information: Credit Card
  • Complementary Product Discounts Additional Information: Personal Loans
  • Bonus Rewards Additional Information: Term Deposits
  • Digital Banking Additional Information: Quick and easy online application.
  • Complementary Product Discounts Additional Information: Insurance

 Product Eligibility

  • Residency Status Additional Information: Australian residents only.
  • Min Age Additional Information: 18
  • Other - Individuals Must Have Capacity.. Additional Information: Lending criteria.
  • Other - Purchase/refinance Owner Occupied Home Improvements Any Worthwhile Purpose.. Additional Information: Purpose

 Bank Fees and Charges

  • Rate Lock Fee (Upfront), Amount: 0.15% of the loan balance . Additional Information: When you ask us to lock in a fixed, or guaranteed, rate of interest on a home loan.
  • Ultimate Package Annual Fee (Periodic), Amount: 380.00. Additional Information: Payable annually on the anniversary of the date on which the first annual package fee was paid when the loan is linked to the Ultimate Package
  • Arrears Reminder Notice Fee (per Letter) (Event), Amount: 20.00. Additional Information: Payable each time we send you a reminder notice relating to arrears on a loan
  • Default Notice (enforcement Notice) (Event), Amount: 20.00. Additional Information: Payable each time we send you a reminder notice relating to a default on a loan

 Limitations & Restrictions (Constraints)

  • Max Balance of Residential Additional Information: Borrow up to 95% of the property value.
  • Max Balance of Vacant land/refinance Additional Information: Borrow up to 95% of the property value.

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