PREMIUM HOME LOAN

Suitable for Investment and Owner Occupied residential borrowing. LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)
Category: Home Loans  Last Updated December 10, 2025  Effective December 22, 2025

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Rate reverts to variable PI rate of applicable LVR tier upon expiry.
Interest Rate
4.79% PA
Comparison Rate
5.47%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..
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 6.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.19%, Comparison Rate 5.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 5.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 6.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.98%, Comparison Rate 6.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 6.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.04%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.13%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.48%, Comparison Rate 5.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 5.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 5.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.78%, Comparison Rate 5.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 5.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 5.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60 TO 95%LVR
Minimum: 60.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.18%, Comparison Rate 5.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.14%, Comparison Rate 5.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 4.79%, Comparison Rate 5.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.09%, Comparison Rate 5.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 5.60%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVR 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.48%, Comparison Rate 5.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 5.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 5.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.98%, Comparison Rate 6.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 6.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.19%, Comparison Rate 6.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 6.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.38%, Comparison Rate 5.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 5.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 5.67%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.19%, Comparison Rate 5.69%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.68%, Comparison Rate 6.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 6.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.19%, Comparison Rate 5.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 5.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 6.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.18%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 6.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.68%, Comparison Rate 5.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.77%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 5.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.77%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 5.94%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.98%, Comparison Rate 6.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 6.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.04%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.13%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.48%, Comparison Rate 6.66%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.51%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.51%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  UP TO 60%LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.48%, Comparison Rate 5.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.09%, Comparison Rate 5.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 5.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  UP TO 60%LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.78%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.78%, Comparison Rate 5.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 5.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 5.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 60-80%LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.03%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.28%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.31%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 6.23%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.35%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OVER 80-95%LVR
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.40%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 Product Features

  • Offset Additional Information: Up to 8 offset accounts available
  • Redraw Additional Information: access to additional repayments made over and above the minimum required.
  • Other Additional Information: Construction loans available
  • Other Additional Information: Loan terms up to 40years available
  • Other Additional Information: Interest Only options available
  • Other Additional Information: Additional benefits such as 60-80%LVR rates for loans over 80%LVR and no requirement for LMI up to 90% LVR for applicants on Professional list such as Medical, Health, Legal and Financial Professionals
  • Extra Repayments

 Product Eligibility

  • Natural Person
  • Residency Status Additional Information: Must be an Australian Citizen or permanent resident, with an Australian residential address
  • Min Age - 18.
  • Other Additional Information: Meet SCCU assessment criteria and capacity demonstrated to repay the loan
  • Other Additional Information: Provide acceptable residential mortgage security which must be insured with SCCU noted as interested party

 Bank Fees and Charges

  • Annual Package Fee (Periodic), Amount: 395.00. Additional Information: Charged in advance and annually on the anniversary of first loan funding. Single Fee charged per customer and multiple accounts available under the package.
  • Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: May be applicable if a FIXED rate loan is paid out early or a variation is requested to break fixed rate term in favour of applying a variable rate
  • Construction Loan Progress Fee (Event), Amount: 450.00. Additional Information: Applicable to construction loans only when progressive payments are made to your builder.
  • Deposit Bond Handling (Event), Amount: 110.00. Additional Information: Fee charged to assist with the completion and submission of a Deposit Bond application
  • Fixed Rate Lock Fee (Variable), Amount: Not Listed.. Additional Information: May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request
  • Guarantor Security Variation (Event), Amount: 300.00. Additional Information: Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security
  • Home Loan Legal Fee (Event), Amount: 430.00. Additional Information: A one off fee required to document and settle your loan.
  • Home Loan Product Switch (Event), Amount: 300.00. Additional Information: Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee.
  • Home Loan Security Variation (Event), Amount: 300.00. Additional Information: When there is a variation made to the security used for an existing loan agreement. Charged per security.
  • Home Loan Trust Deed Legal Fee (Event), Amount: 132.00. Additional Information: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan.
  • Loan Consolidation (Event), Amount: 300.00. Additional Information: Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. Does not include Fixed rate loans.
  • Loan Discharge Fee (Event), Amount: 150.00. Additional Information: This fee covers the costs associated with releasing your title and is charged per security discharged
  • Loan Top-up (Event), Amount: 300.00. Additional Information: Additional establishment fee for increasing your VARIABLE rate home loan at any point after the home loan has been finalised. Does not include Fixed rate loans
  • Property Valuation Fee (Variable), Amount: Not Listed.. Additional Information: This fee covers the cost of valuing your property. When valuation is required, cost may vary dependant on a number of factors. Cost will be confirmed prior to ordering.
  • Recontracting Fee (Event), Amount: 150.00. Additional Information: Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee.
  • Redraw In Branch (Transaction), Amount: 25.00. Additional Information: Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only
  • Security Guarantee Fee (Event), Amount: 200.00. Additional Information: If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor.
  • Home Loan Variation (Event), Amount: 300.00. Additional Information: When there is a variation made to an existing home loan agreement. For example change to remaining loan term, altering repaymentsand principal reduction

 Limitations & Restrictions (Constraints)

  • Max Lvr of 95.00