Reward Me Fixed Rate Home Loan

With our Reward Me Home Loan, we keep our rates low so you could keep more money in your pocket
Category: Home Loans  Last Updated April 22, 2022  Effective May 8, 2022

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied Interest Only product. Additional Information Interest Only, Owner Occupied for 2 Years
Interest Rate
3.94%PA
Comparison Rate
2.74%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, 4.97%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.97%, Comparison Rate 3.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.77%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.77%, Comparison Rate 3.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.96%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.96%, Comparison Rate 3.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.18%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.18%, Comparison Rate 4.8%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.67%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.67%, Comparison Rate 5.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.27%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.27%, Comparison Rate 5%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.46%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.46%, Comparison Rate 5.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.94%, Comparison Rate 2.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.37%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.37%, Comparison Rate 2.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.62%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.62%, Comparison Rate 3.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.76%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.76%, Comparison Rate 3.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 4.4%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.4%, Comparison Rate 3.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.77%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.77%, Comparison Rate 3.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.67%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.67%, Comparison Rate 3.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.81%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.81%, Comparison Rate 3.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.4%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.4%, Comparison Rate 3.07%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.77%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.77%, Comparison Rate 3.31%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.67%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.67%, Comparison Rate 3.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.81%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.81%, Comparison Rate 3.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Additional repayment up to $10,000 per annum allowed on all fixed rate terms.
  • Other Additional Information: Ask us to lock in a rate at the time of application for up to 100 days to protect yourself from any potential rate rises until the lending date. Fees and charges apply.
  • Other Additional Information: You can split and keep a portion of your borrowings with a variable rate to retain more flexibility. That way you'll have some protection if rates rise during your fixed rate period, but maintain some flexibility with the variable portion of your loan to make extra repayments or access funds through redraw if things change
  • Other Additional Information: Our Reward Me Home Loan comes with a Home Loan Companion Account that we'll open for you. The Companion Account will make it easier to make repayments and pay any fees and charges. Plus, you can use the account to offset the interest on your variable rate home loan or when you revert to a variable rate to help you pay the loan off sooner.

 Product Eligibility

  • Natural Person - Individual Or Joint Personal Applicants. Additional Information: Individual and joint personal applicants, no companies or trusts
  • Other - Multiple Applicants. Additional Information: Multiple applicants and guarantors
  • Other - Payg. Additional Information: Applicants with PAYG income
  • Other - Purchase Or Refinance. Additional Information: Purchase or refinance of residential property
  • Other - Type Of Property. Additional Information: Constructon of residential property
  • Other - Home & Land Package. Additional Information: Purchase of vacant land & construction (home & land package
  • Other - Improvements. Additional Information: Property improvements (including renovations)

 Bank Fees and Charges

  • Additional Security Fee (Event), Amount: 150.0000. Additional Information: Payable when more than one security is required
  • Application Fee (Upfront), Amount: 300.0000. Additional Information: Payable for processing application of your loans. Charged at settlement
  • Break Cost Admin Fee (Event), Amount: 50.0000. Additional Information: Payable when we break your fixed rate contract. This fee is payable regardless of whether a break cost is incurred or not
  • Consent Fee (Event), Amount: 300.0000. Additional Information: Payable wherever we give consent (following a request from you) to a change in security
  • Document Variation Fee (Event), Amount: 200.0000. Additional Information: Payable if a new set of loan documents needs to be issued due to a change in your requirements
  • Home Loan Fee (Periodic), Amount: 10.0000. Additional Information: Charged to each loan account on every repayment date (monthly)
  • Production Fee (Event), Amount: 150.0000. Additional Information: Payable if a certificate of title or any security is required to be produced to another financial institution.
  • Rate Lock Fee (Event), Amount: Not Listed.. Additional Information: 0.15% of fixed rate loan amount. Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period.
  • Security Release Fee (full Or Partial) (Exit), Amount: 350.0000. Additional Information: Payable when we agree (at your request) to discharge a security
  • Settlement Fee (Upfront), Amount: 150.0000. Additional Information: Payable for completing settlement of your loans
  • Substitution Of Security Fee (Event), Amount: 300.0000. Additional Information: Payable if we agree to substitute one security for another security
  • Switching Fee (Event), Amount: 300.0000. Additional Information: Charged for loans converted to another type of loan
  • Top Up Fee (Event), Amount: 150.0000. Additional Information: Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase
  • Valuation Fee (Event), Amount: 0.0000. Additional Information: First Valuation – Free Any further valuation will be charged for. The amount of the fee, will be the fee charged by the appointed Valuer and will vary depending on the location and value of the property

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