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Home loan interest rates

Standard Variable Rate Home Loan
Balances   Standard Variable Rate Comparison rate1
All Balances    p.a  p.a.
Get an Advantage Package2 special discount on Balances $250,000+
Balances Advantage Package2 Limited Time Special Discount Standard Variable Rate with Advantage Package2 Limited Time Special Discount Comparison rate4
$250,000 - $499,999  p.a  p.a  p.a.
$500,000 +  p.a  p.a  p.a.
Get an Advantage Package2 discount on Balances $100,000+
Balances Standard Advantage Package2 Discount Standard Variable Rate with standard Advantage Package2 Discount Comparison rate1
$100,000 - $149,999  p.a  p.a  p.a.
$150,000 - $249,999  p.a  p.a  p.a.
$250,000 - $499,999  p.a.  p.a  p.a.
$500,000 - $749,999  p.a.  p.a  p.a.
$750,000 - $999,999  p.a.  p.a  p.a.
$1 Million +  p.a.  p.a  p.a.

 

Fixed Rate Home Loan
Get an Advantage Package2 discount on Balances $150,000+
Term Annual rate Comparison rate1 (secured loan) Advantage Package2 Discount Fixed Rate with Advantage Package2 Comparison rate1
1 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
2 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
3 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
4 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
5 year fixed  p.a.  p.a.  p.a.  p.a  p.a.

 

Portfolio Loan
Balances   Variable Rate
All Balances    p.a.
Get an Advantage Package2 special discount on Balances $250,000+
Balances Advantage Package2 Limited Time Special Discount Standard Variable Rate with Advantage Package2 Limited Time Special Discount
$250,000 - $499,999  p.a  p.a
$500,000 +  p.a  p.a
Get an Advantage Package2 discount on Balances $100,000+
Balances Standard Advantage Package2 Discount Variable Rate with standard Advantage Package2 Discount
$100,000 - $149,999  p.a. p.a.
$150,000 - $249,999  p.a. p.a.
$250,000 - $499,999 p.a. p.a.
$500,000 - $749,999 p.a. p.a.
$750,000 - $999,999 p.a. p.a.
$1 Million + p.a. p.a.
Portfolio Loan Fixed Rate sub-accounts
Term Annual rate
1 year fixed  p.a.
2 year fixed  p.a.
3 year fixed  p.a.
4 year fixed  p.a.
5 year fixed  p.a.

 

Basic Home Loan
Term Annual rate Comparison rate1
Basic Home Loan Rate  p.a.  p.a.
Basic Home Loan Promotional Rate
(loan amount less than $250,000)		  p.a.  p.a.

 

Introductory Rate Home Loan
Term Annual rate Comparison rate1
1 Year Introductory Fixed Rate3  p.a.  p.a.
1 Year Discount Variable Rate  p.a.  p.a.
You could save on fees with Advantage Package2. The discounted variable interest rate is only available when taken as part of the Advantage Package.

 

Low Doc Home Loan
Term Annual rate Comparison rate1
Variable Rate  p.a.  p.a.
Fixed Rate
1 year fixed  p.a.  p.a.
3 year fixed  p.a.  p.a.
5 year fixed  p.a.  p.a.
Low Doc Portfolio Loan
Term Annual rate
Variable Rate sub-accounts  p.a.
Fixed Rate sub-accounts
1 year fixed  p.a.
3 year fixed  p.a.
5 year fixed  p.a.

 

Relocation Home Loan
Term Annual rate Comparison rate1
With end loan  p.a.  p.a.
Without end loan  p.a. See a full list of Home Loan comparison rates

 

Seniors Access Home Loan
Annual rate Comparison rate1
 p.a.  p.a.

 

Super Fund Home Loan
Term Annual rate Comparison rate1
Variable Rate  p.a.  p.a.
Fixed Rate
1 year fixed  p.a.  p.a.
2 year fixed  p.a.  p.a.
3 year fixed  p.a.  p.a.
4 year fixed  p.a.  p.a.
5 year fixed  p.a.  p.a.

How to apply

The Detail

Conditions, fees and credit criteria apply:

View 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.

1 The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
2 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.
3 Interest rate discount of fixed rate loan is only available.
4 Where a fixed rate term applies, after the fixed rate period expires the interest rate will revert to the relevant Standard Variable Rate.