Your Way Plus Fixed Home Loan

Get flexibility for your home loan PLUS take advantage of our package benefits with special low rates and much more. Lock in a rate for upto 5 years.
Category: Home Loans  Last Updated July 1, 2021  Effective September 5, 2021

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate
Interest Rate
2.04%PA
Comparison Rate
2.86%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..
  Fixed LVR >60% to 80%
Minimum: 60.1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 3.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >80% to 90%
Minimum: 80.1 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 3.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR up to 60%
Minimum: 0.1 PERCENT Maximum: 60 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 2.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >60% to 80%
Minimum: 60.1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 3%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >80% to 90%
Minimum: 80.1 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 3.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR up to 60%
Minimum: 0.1 PERCENT Maximum: 60 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.04%, Comparison Rate 2.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >60% to 80%
Minimum: 60.1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.04%, Comparison Rate 2.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >80% to 90%
Minimum: 80.1 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.04%, Comparison Rate 3.08%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR up to 60%
Minimum: 0.1 PERCENT Maximum: 60 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.14%, Comparison Rate 2.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >60% to 80%
Minimum: 60.1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.14%, Comparison Rate 2.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >80% to 90%
Minimum: 80.1 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.14%, Comparison Rate 3.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR up to 60%
Minimum: 0.1 PERCENT Maximum: 60 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 2.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >60% to 80%
Minimum: 60.1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 3.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Fixed LVR >80% to 90%
Minimum: 80.1 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 3.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Redraw Additional Information: Redraw available
  • Other Additional Information: Additional repayments available
  • Other Additional Information: Ability to split loan
  • Other Additional Information: Ability to switch loan
  • Other Additional Information: Ability to Top Up
  • Digital Banking Additional Information: 24/7 access via internet banking, mobile app, phone banking
  • Other Additional Information: Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance
  • Other Additional Information: Flexible repayments
  • Other Additional Information: Discounted Variable rates for life of the loan
  • Offset Additional Information: PLUS 100% offset
  • Other Additional Information: PLUS establishment, valuation and top up fees waived
  • Other Additional Information: PLUS personal loan application fees waived
  • Other Additional Information: PLUS 10% off home and contents insurance (Allianz)

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00

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