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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

      Offset account option
      Unlimited extra repayments
      No restrictions on the number of loans under the package
      Competitive variable interest rates
      Redraw facility
      Save on interest rates, products and services

      Rates

      Check out our Variable Investment Loan Package rates!
      Repayment type
      • Principal & interest
      • Interest only
      View investment loan rates
      Variable Investment Loan Package
      Loan to Value Ratio (LVR) <70%
      Loan size $100,000+
      Apply online
      Discount to the standard variable rate
      % p.a.
      Interest rate with discount
      The resulting interest rate after the discount has been applied.
      % 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.
      Variable Investment Loan Package
      Loan to Value Ratio (LVR) 70.01% - 80%
      Loan size $100,000+
      Apply online
      Discount to the standard variable rate
      % p.a.
      Interest rate with discount
      The resulting interest rate after the discount has been applied.
      % 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.
      Variable Investment Loan Package
      Loan to Value Ratio (LVR) >80%
      Loan size $100,000+
      Apply online
      Discount to the standard variable rate
      % p.a.
      Interest rate with discount
      The resulting interest rate after the discount has been applied.
      % 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.
      Variable Investment Loan Package
      Loan to Value Ratio (LVR) <70%
      Loan size $100,000+
      Apply online
      Discount to the standard variable rate
      % p.a.
      Interest rate with discount
      The resulting interest rate after the discount has been applied.
      % 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

      Existing variable 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 rates. 

      • Competitive variable interest rates

        Chat to us to see what rate you qualify for

      • 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

      • Interest only repayment option

        Reduce your loan repayments by paying only the interest due monthly

      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

        One 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

      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 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.