PREMIUM HOME LOAN OWNER OCCUPIED

Suitable for residential owner occupied borrowing, over $250k with variable and fixed rate options and offset available
Category: Home Loans  Last Updated July 1, 2025  Effective July 4, 2025

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Rate reverts to the applicable variable PI rate upon expiry.
Interest Rate
5.49% PA
Comparison Rate
5.74%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..
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 5.80%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.23%, Comparison Rate 6.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.20%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80 to 90%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Variable
  • Interest Rate: 6.03%, Comparison Rate 5.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 5.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 5.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 5.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 80%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 5.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.53%, Comparison Rate 6.42%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.24%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.30%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80 to 95%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.35%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied