Owner occupier loans
If you are buying a home to live in, then these are the loans for you.
Our owner occupier home loans
These loans are simple and designed to suit your needs.
Basic Variable Home Loan
A simple, non-complicated home loan option with a competitive interest rate, no application or ongoing fees, and the flexibility to make extra repayments.
- Competitive variable interest rates
- Freedom to make unlimited extra repayments
- Redraw facility
Fixed Rate Home Loan
Enjoy the certainty of knowing your home loan repayments with our Fixed Rate Home Loan.
- Lock in a competitive fixed interest rate for between one to five years
- The freedom to make unlimited extra repayments
- Rate-lock facility
More home loan options
Split loans
A split loan provides certainty and flexibility. It lets you split your home loan into fixed and variable portions, so you can enjoy the benefits of both.
Construction loans
Keep your building project on track with a loan that gives you access to the money as you need it.
Compare home loans
Home loan calculators
Borrowing power calculator
Our borrowing power calculator can help you work out how much you might be able to borrow for a home loan.
Home loan calculators
We've got a range of home loan calculators to help you work out your repayments, stamp duty and borrowing power.
Specialised packages
Some occupations can borrow up to 90% of a property's value and pay no Lenders Mortgage Insurance.
Essential Services Package
Borrow up to 90% of a property's value and pay no Lenders Mortgage Insurance (LMI).
Medical Professional Package
Borrow up to 90% of a property's value and pay no Lenders Mortgage Insurance (LMI), plus other benefits.
What you need to know
FAQs
If you choose a variable rate home or investment loan, the interest rate can rise or fall depending upon the market and economic conditions. This can potentially impact your repayment amount. On a variable rate, you have the flexibility to make unlimited extra repayments without a fee applying, to pay down your loan sooner.
Choosing a fixed rate home or investment loan means you can lock your interest in at a set rate for one to five years. So if you think interest rates have hit rock bottom or that rates may rise, you can add certainty to your loan by fixing your repayments for a set period.
If you're still not sure about which option is right for you, we're happy to help you make the right decision. Call us on 13 11 82 or visit your nearest branch for more details.
Interest rates on existing home or investment loans, when increasing, are published as a public notice in The Australian newspaper on the day of the change. For a decrease, we are not required to provide notice, as it’s in your favour.
Regarding changes in your repayments, we’ll notify via the following methods:
- If you make Principal and Interest repayments, you’ll receive a letter from us (email or post) with your new repayment information (including confirmation of your rate), providing you with at least 30 days notice for you to make any changes.
- If you make Interest Only repayments, for decreases, you’ll receive notification with your next statement. For increases, you’ll receive a letter from us (email or post) with the new details for your loan.
- If you have a Line of Credit account, you’ll receive a notification of the rate change with your next statement.
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Replace an existing home loan with a new mortgage and reduce your home loan repayments.
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