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    Important notice regarding Home Loan and Investment Loan Packages

    Our Home Loan and Investment Loan Packages are no longer available for sale from 17 June 2025. Customers with a package established before 17 June 2025 will retain access to package benefits however will not be able to add a new package loan under their existing package. For any enquiries or changes to an existing Home Loan Package please contact us by calling 13 11 82 or click on “Talk to an expert” to see other ways you can get in touch.

      Key benefits of this loan

      Enjoy the certainty of fixed repayments
      Flexible repayment frequency - pay weekly, fortnightly or monthly
      Rate-lock facility
      Split-loan interest rate option
      Save on interest rates, products and services

      Rates

      Check out our Fixed Home Loan Package rates.
      First home buyer
      • Yes
      • No
      Fixed rate term
      • 1 year
      • 2 years
      • 3 years
      • 4 years
      • 5 years
      View home loan rates
      Principal and Interest - First Home Buyer Offer
      Loan to Value Ratio (LVR) <80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest - First Home Buyer Offer
      Loan to Value Ratio (LVR) >80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) <80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) >80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) <80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) >80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) <80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) >80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) <80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) >80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) <80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.
      Principal and Interest
      Loan to Value Ratio (LVR) >80%
      Loan size $100,000+
      Apply online
      Interest rate
      An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Revert Rate
      A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Home Loan Package Principal & Interest Rate for your loan at the time.
      % p.a.

      Product overview

      Existing fixed package holders need to have a minimum total package lending of $100,000 in eligible package products to maintain package benefits. It also allows you to redraw any extra repayments, offset your loan interest and save money on interest rate

      • Existing Fixed Package holders option to re-fix

        Current Fixed Package holders will have the option to consider to re-fix up to a further 5 years

      • Freedom to make unlimited extra repayments

        Pay off your loan faster

      • Flexible repayment frequency

        Pay weekly, fortnightly or monthly

      • Rate-lock facility

        Guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds

      Plus discounts on other products and services

      See how you can save

      • $0 Monthly Administration Fee

        Save $96 per year for each loan

      • Free Valuation

        Receive one valuation each year

      • Free loan reviews

        To ensure your loan is the best fit through all stages of your life

      • $0 Personal Loan Application Fee

        Save $250

      Fees

      Upfront fees
      Rate Lock Option Fee

      0.15% of the total loan amount

      Ongoing fees
      Annual Fee

      $395

      Other fees
      Lenders Mortgage Insurance (LMI)

      Payable for loans with a deposit less than 20% (80% Loan to Value Ratio (LVR) or higher)

      Third party charges

      Third party charges apply e.g. stamp duty

      Disclosure documents
      Fees and charges brochureDownload our Fees and charges brochure (PDF, 152KB) 

      Do some quick maths

      Let’s help you with those sums! We have a range of calculators so you can nut out the financial aspects of your loan, such as repayments, borrowing power, total loan costs and more.
      Home loan calculators

        What else do I need to consider?

        Guides and tips

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