On this page

Apply now

You can apply online, by calling 13 11 82 or by visiting your nearest branch.
Apply online

    Important notice regarding Standard Variable Home and Investment Loans

    From 17 June 2025 we will no longer be offering for sale Standard Variable Home and Investment Loans. For any enquiries or changes to an existing Standard Variable Home or Investment Loan 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

      No annual or monthly account keeping fees
      Redraw facility
      Flexible repayment frequency - pay weekly, fortnightly or monthly
      Split-loan interest rate option

      Rates

      Check out our Standard Variable Home Loan rates!
      View home loan rates
      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.
      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.
      Standard Variable Home Loan
      Principal and Interest
      Home and Construction Loans
      Loan size $20,000+
      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.

      Product overview

      We understand you have an ever-changing lifestyle, so why not have a home loan with flexibility?

      • Competitive variable interest rates

        Chat to us to see what rate your qualify for and suits your needs

      • Loan terms up to 30 years

        Flexibility to pay off the loan up to 30 years

      • Account keeping fees

        No annual or monthly account keeping fees

      • Freedom to make unlimited extra repayments

        Pay off your loan faster

      • Flexible repayment frequency

        Pay weekly, fortnightly or monthly

      • Redraw facility

        Access to extra cash if you're ahead on your repayments

      • Offset account option

        Link your loan and transaction account to help reduce the interest and time taken to pay off your loan

      • Split-loan interest rate option

        Get the benefits of a part fixed and part variable interest rate loan

      • Construction loan option available

        Ask an expert and find out your options

      • Family guarantee for first home buyers

        We'll help you through the process

      Fees

      Upfront fees
      Application Fee

      $600

      Settlement Fee$150
      Ongoing fees
      Monthly Administration Fee

      $0 monthly fee. $8 per month for optional offset account. Refer to our Fees and Charges brochure.

      Other fees
      Valuation FeeAt Cost

      Lenders Mortgage Insurance (LMI)

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

      Third party chargesThird 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

        We’re here to chat if you need us!

        Get in touch with us and we can help you get the answers you need.