Flexible Home Loan with Member Package

All the features of a ME Flexible Home Loan with added Member Package benefits like lower variable rates and reduced fees.
Category: Home Loans  Last Updated August 1, 2021  Effective March 25, 2015

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner Occupied with Principal and Interest repayment type
Interest Rate
1.89%PA
Comparison Rate
2.92%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..
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.99%, Comparison Rate 4.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.11%, Comparison Rate 4.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.11%, Comparison Rate 4.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.46%, Comparison Rate 4.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 2.58%, Comparison Rate 3.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 2.63%, Comparison Rate 3.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 2.89%, Comparison Rate 3.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.27%, Comparison Rate 3.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.91%, Comparison Rate 4.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 2.33%, Comparison Rate 2.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 2.38%, Comparison Rate 2.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 2.38%, Comparison Rate 2.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.17%, Comparison Rate 3.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.91%, Comparison Rate 4.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.33%, Comparison Rate 2.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.38%, Comparison Rate 2.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.38%, Comparison Rate 2.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 3.17%, Comparison Rate 3.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 3.91%, Comparison Rate 4.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.19%, Comparison Rate 3%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 1.89%, Comparison Rate 2.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.24%, Comparison Rate 2.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.19%, Comparison Rate 3.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 60% or less
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.6%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.19%, Comparison Rate 3.05%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 1.89%, Comparison Rate 2.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.24%, Comparison Rate 2.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.19%, Comparison Rate 3.3%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 60% and less than or equal to 70%
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.19%, Comparison Rate 3.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 1.89%, Comparison Rate 3.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.24%, Comparison Rate 3.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.19%, Comparison Rate 3.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70% and less than or equal to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.19%, Comparison Rate 3.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 3.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.39%, Comparison Rate 3.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 3.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.29%, Comparison Rate 3.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 4.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.89%, Comparison Rate 4.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.89%, Comparison Rate 4.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.99%, Comparison Rate 4.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.99%, Comparison Rate 4.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.99%, Comparison Rate 4.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR more than 90%
Minimum: 90.01 PERCENT Maximum: PERCENT
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.25%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.71%, Comparison Rate 4.78%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.67%, Comparison Rate 3.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.62%, Comparison Rate 3.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 3.62%, Comparison Rate 3.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.49%, Comparison Rate 3.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.49%, Comparison Rate 3.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.69%, Comparison Rate 3.54%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.89%, Comparison Rate 3.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.89%, Comparison Rate 3.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 4.88%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 5.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% or less
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.36%, Comparison Rate 4.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.36%, Comparison Rate 4.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.28%, Comparison Rate 3.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.45%, Comparison Rate 3.88%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 2.98%, Comparison Rate 3.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.45%, Comparison Rate 3.88%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.98%, Comparison Rate 3.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 3.45%, Comparison Rate 3.88%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.09%, Comparison Rate 3.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.39%, Comparison Rate 3.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 5.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 5.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.8%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.09%, Comparison Rate 3.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.39%, Comparison Rate 3.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 5.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 5.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% or less
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.76%, Comparison Rate 4.94%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.49%, Comparison Rate 3.8%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.18%, Comparison Rate 3.5%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 3.18%, Comparison Rate 3.5%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount less than $150,000
Minimum: $40000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.96%, Comparison Rate 5.02%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $150,000 to less than $400,000
Minimum: $150000.00 Maximum: $399999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.69%, Comparison Rate 3.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $400,000 to less than $700,000
Minimum: $400000.00 Maximum: $699999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3.69%, Comparison Rate 3.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Loan amount $700,000 or more
Minimum: $700000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 3.69%, Comparison Rate 3.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 3.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 3.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 3.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.19%, Comparison Rate 3.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.39%, Comparison Rate 3.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 5.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 5.61%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% or less
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 3.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 2 years
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 3 years
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 4 years
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.39%, Comparison Rate 3.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 5 years
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 3.94%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 6 years
Minimum: 72 MONTH Maximum: 72 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 5.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 7 years
Minimum: 84 MONTH Maximum: 84 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 5.8%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80% and less than or equal to 90%
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Fixed term 1 year
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Member Package. For just $395 per year, add a Member Package to you Flexible Home Loan and receive lower variable and fixed interest rates, no valuation fee, no fee to fix after settlement,  no fee to split your loan after settlement, no top up fee.
  • Digital Banking
  • Redraw Additional Information: Free redraws. Get cash for emergencies from available funds if you’re ahead on payments (minimum $500).
  • Offset Additional Information: Offset account. Let your savings reduce your interest with a 100% offset account.
  • Other Additional Information: Pay interest-only. You can pay just the interest for up to 5 years on a home you’ll live in, and request up to an additional 5 years if it’s an investment property.
  • Other Additional Information: Early repayments. Pay your variable rate loan off as early as you want with no penalty.
  • Other Additional Information: Fixed loan prepayments. Pay up to $30k into the fixed portion of your home loan during the fixed rate period, without incurring a prepayment fee.
  • Other Additional Information: Repayment holiday. Apply to take a break from repayments when the unexpected happens, if you're ahead on your repayments.
  • Other Additional Information: Rate lock. You can add a rate lock option to your fixed home loan application for $500 which lets you hedge against rates rising before the settlement date.

 Limitations & Restrictions (Constraints)

  • Min Limit of 40000

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