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Top Home Loan FAQs

Home Loans

Take a look at our most popular home loans, Low Doc options for the self employed, and home loans with specialist features. We offer a range of options when you're thinking about borrowing

Featured Home Loans

  • Fixed Rate Home Loan

    • Choose a fixed rate for 1 to 5 years
    • Features include discounted rates, redraw1, rate lock, repayment pause and more!
    • Know exactly where you stand with your budget and what you’ll need to pay.
    Enquire now

  • Standard Variable Rate Home Loan

    Limited time offer. Apply by 31 May 2012 and you can:

    • Save up to p.a. off our standard variable rate under the Advantage Package for loans of $500,000 or more#
    • Switch to us and receive $700 towards your refinancing costs on selected new loans with Advantage Package before 15 July 2012 ##.
    Enquire now


Help me choose a

Have you considered

Visa Debit Card

Visa Debit Card

A Visa Debit Card is not a credit card – it’s a debit card with no annual fee that gives you convenient access to funds in your transaction account.

Home and contents insurance

Home and contents insurance

Peace of mind. Whether you’re a home owner or a landlord, we have levels of cover to choose from.

Home loan protection

Home Loan Protection

Your home loan commitments can be covered in the event you become sick or injured.

The Detail

Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch. The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 22 66.

BT Funds Management Limited (ABN 63 002 916 458) is the trustee of BT Super for Life which is a part of Retirement Wrap (ABN 39 827 542 991) and is the issuer of interests in BT Super for Life. You can download a Product Disclosure Statement (PDS) ,or obtain a copy by calling 1300 653 553 or visit any Bank of Melbourne branch. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life.

An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141, Bank of Melbourne, St.George Bank or BankSA (which are Divisions of Westpac), or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Neither Westpac nor any other company in the Westpac Group has issued, stands behind or otherwise guarantees the capital value or investment performance of BT Super for Life.

# The following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans. Standard interest rate discount, for loans between $100,000 and $149,999, of 0.25% p.a. discount will be applied; for loans between $150,000 to $249,999, 0.50% p.a. discount will be applied. No discount applies for loans below $100,000. Special interest rate discounts for loans between $250,000 and $499,999, for new packaged loans and loan amounts applied for between 1 April 2012 and 31 May 2012, 0.85% p.a. discount will be applied. For loans greater than $500,000, for new packaged loans and loan amounts applied for between 1 April 2012 and 31 May 2012, 0.90% p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of 0.70% p.a. discount and do not apply to internal refinances and are not transferrable between loans. Advantage Package annual fee, currently $395, is payable from an eligible Bank of Melbourne transactional account.

1. Redraw, repayment pause and rate lock requests are subject to our approval. Fees apply.

## This offer is available on applications received from 1 April 2012 to 31 May 2012 and settled by 15 July 2012 under the Advantage Package. Eligible Bank of Melbourne home loans under Advantage package are [Standard Portfolio Line of Credit, Standard Variable Rate Loan, Standard Fixed Rate loan, Discount Variable Rate Loan, and 1 year Introductory Fixed Rate Loan]. You must hold a Bank of Melbourne transaction account and direct debit your repayments in order to receive the rebate. You must nominate a Bank of Melbourne home loan or deposit account for the $700 payment to be deposited into. Where no account is nominated prior to settlement, the payment will be made into the new home loan account at settlement. The $700 payment only applies to new personal or investment home loan applications for secured borrowings of $250,000 or more where the loan purpose is to refinance. Offer is not available for loan refinances of existing Bank of Melbourne home loans, St George, and BankSA home loans. An annual Advantage Package fee currently $395, applies. This offer is limited to one home loan application (including single or multiple applicants) and cannot be used in conjunction with any other offer. Conditions, fees and charges apply and are available on request. All applications for credit are subject to Bank of Melbourne’s prevailing credit criteria. Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12)