Home loan interest rates
Standard Variable Rate  Owner Occupier
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
LVR  Annual Rate  Comparison rate^{1} 

Principal & Interest  
Standard rate  5.34% p.a.  5.51% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
5.24% p.a.  5.41% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.29% p.a.  5.46% p.a. 
LVR above 80% (No change to standard rate) 
5.34% p.a.  5.51% p.a. 
Interest only  
Standard rate  5.93% p.a.  6.09% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
5.83% p.a.  5.99% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.88% p.a.  6.04% p.a. 
Standard Variable Rate  Owner Occupier with Advantage Package^{*}
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
Get an Advantage Package^{*} discount on Balances $100,000+
LVR  Annual Rate including Advantage Package^{*} Discount of 1.30% p.a. 
Comparison rate^{1} 

Principal & Interest  
Standard rate  4.04% p.a.  4.45% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
3.94% p.a.  4.35% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
3.99% p.a.  4.40% p.a. 
LVR above 80% (No change to standard rate) 
4.04% p.a.  4.45% p.a. 
Interest only 

Standard rate  4.63% p.a.  5.02% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
4.53% p.a.  4.93 % p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.58% p.a.  4.98 % p.a. 
Basic Home Loan  Owner Occupier
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
Term  Annual Rate  Comparison rate^{1} 

Principal & Interest Special offer^ discount of 0.92% p.a. off the Basic Home Loan rate is included in the below rates. 

Standard rate 
3.84% p.a.  3.85% p.a. 
LVR less than 60% (Includes further discount of 0.10% p.a.) 
3.74% p.a.  3.75%p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
3.79% p.a.  3.80% p.a. 
LVR above 80% (No change to standard rate) 
3.84% p.a.  3.85% p.a. 
Interest only  
Standard rate  5.35% p.a.  5.40% p.a. 
LVR less than 60% (Includes discount of 0.10% p.a.) 
5.25% p.a.  5.30% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.30% p.a.  5.35% p.a. 
Fixed Rate Home Loan  Owner Occupier
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
Term  Annual rate  Comparison rate^{1} 

Principal & Interest  
1 year standard fixed rate  4.24% p.a.  5.40% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
4.14% p.a.  5.30% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.19% p.a.  5.35% p.a. 
LVR above 80% (No change to standard rate) 
4.24% p.a.  5.40% p.a. 
2 year standard fixed rate  4.00% p.a.  5.25% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
3.90% p.a.  5.16% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
3.95% p.a.  5.20% p.a. 
LVR above 80% (No change to standard rate) 
4.00% p.a.  5.25% p.a. 
3 year standard fixed rate  4.00% p.a.  5.14% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
3.90% p.a.  5.05% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
3.95% p.a.  5.09% p.a. 
LVR above 80% (No change to standard rate) 
4.00% p.a.  5.14% p.a. 
4 year standard fixed rate  4.54% p.a.  5.23% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
4.44% p.a.  5.13% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.49% p.a.  5.18% p.a. 
LVR above 80% (No change to standard rate) 
4.54% p.a.  5.23% p.a. 
5 year standard fixed rate  4.54% p.a.  5.17% p.a. 
LVR under 60% (Includes discount of 0.10% p.a.) 
4.44% p.a.  5.07% p.a. 
LVR between 60% to 80% (Includes discount of 0.05% p.a.) 
4.49% p.a.  5.12% p.a. 
LVR above 80% (No change to standard rate) 
4.54% p.a.  5.17% p.a. 
Interest Only  
1 year standard fixed rate  4.74% p.a.  5.97% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
4.64% p.a.  5.87% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.69% p.a.  5.92% p.a. 
2 year standard fixed rate  4.64% p.a.  5.85% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
4.54% p.a.  5.75% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.59% p.a.  5.80% p.a. 
3 year standard fixed rate  4.74% p.a.  5.76% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
4.64% p.a.  5.67% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.69% p.a.  5.71% p.a. 
4 year standard fixed rate  5.14% p.a.  5.81% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
5.04% p.a.  5.71% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.09% p.a.  5.76% p.a. 
5 year standard fixed rate  5.24% p.a.  5.80% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
5.14% p.a.  5.70% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.19% p.a.  5.75% p.a. 
Fixed Rate Home Loan  Owner Occupier with Advantage Package^{*}
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
Get a 0.15% p.a. discount on Advantage Package^{*} for balances above $150,000 (included in the below rates)
Term  Annual rate  Comparison rate^{1} 

Principal & Interest  
1 year standard fixed rate less package discount  4.09% p.a.  4.45% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
3.99% p.a.  4.35% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.04% p.a.  4.40% p.a. 
LVR above 80% (No change to standard rate) 
4.09% p.a.  4.45% p.a. 
2 year standard fixed rate less package discount  3.85% p.a.  4.41% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
3.75% p.a.  4.32% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
3.80% p.a.  4.36% p.a. 
LVR above 80% (No change to standard rate) 
3.85% p.a.  4.41% p.a. 
3 year standard fixed rate less package discount  3.85% p.a.  4.40% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
3.75% p.a.  4.30% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
3.80% p.a.  4.35% p.a. 
LVR above 80% (No change to standard rate) 
3.85% p.a.  4.40% p.a. 
4 year standard fixed rate less package discount  4.39% p.a.  4.57% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
4.29% p.a.  4.47% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.34% p.a.  4.52% p.a. 
LVR above 80% (No change to standard rate) 
4.39% p.a.  4.57% p.a. 
5 year standard fixed rate less package discount  4.39% p.a.  4.59% p.a. 
LVR under 60% (Includes further discount of 0.10% p.a.) 
4.29% p.a.  4.49% p.a. 
LVR between 60% to 80% (Includes further discount of 0.05% p.a.) 
4.34% p.a.  4.54% p.a. 
LVR above 80% (No change to standard rate) 
4.39% p.a.  4.59% p.a. 
Interest Only  
1 year standard fixed rate less package discount  4.59% p.a.  5.02% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
4.49% p.a.  4.92% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.54% p.a.  4.97% p.a. 
2 year standard fixed rate less package discount  4.49% p.a.  5.00% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
4.39% p.a.  4.90% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.44% p.a.  4.95% p.a. 
3 year standard fixed rate less package discount  4.59% p.a.  5.01% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
4.49% p.a.  4.92% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.54% p.a.  4.96% p.a. 
4 year standard fixed rate less package discount  4.99% p.a.  5.15% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
4.89% p.a.  5.05% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.94% p.a.  5.10% p.a. 
5 year standard fixed rate less package discount  5.09% p.a.  5.22% p.a. 
LVR up to 60% (Includes further discount of 0.10% p.a.) 
4.99% p.a.  5.12% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
5.04% p.a.  5.17% p.a. 
Relocation Home Loan  Owner Occupier
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
LVR  Annual Rate  Comparison rate^{1} 

Interest only  
With end loan  
Standard rate  5.93% p.a.  6.09% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
5.83% p.a.  5.99% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.88% p.a.  6.04% p.a. 
Without end loan  
Standard rate  5.93% p.a.  6.15% p.a. 
LVR up to 60% (Includes discount of 0.10% p.a.) 
5.83% p.a.  6.05% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.88% p.a.  6.10% p.a. 
Standard Variable Rate  Residential Investment
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
LVR  Annual Rate  Comparison rate^{1} 

Principal & Interest  
Standard rate  5.92% p.a.  6.08% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
5.82% p.a.  5.98% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.87% p.a.  6.03% p.a. 
LVR above 80% (No change to standard rate) 
5.92% p.a.  6.08% p.a. 
Interest only  
Standard rate  6.46% p.a.  6.62% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
6.36% p.a.  6.52% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
6.41% p.a.  6.57% p.a. 
Standard Variable Rate  Residential Investment with Advantage Package^{*}
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
Get an Advantage Package^{*} discount on Balances $100,000+
LVR  Annual Rate including Advantage Package^{*} Discount of 1.30% p.a. 
Comparison rate^{1} 

Principal & Interest  
Standard rate  4.62% p.a.  5.01% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
4.52% p.a.  4.92% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.57% p.a.  4.97% p.a. 
LVR above 80% (No change to standard rate) 
4.62% p.a.  5.01% p.a. 
Interest only 

Standard rate  5.16% p.a.  5.54% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
5.06% p.a.  5.45% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
5.11% p.a.  5.50% p.a. 
Fixed Rate Home Loan  Residential Investment
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
Term  Annual rate  Comparison rate^{1} 

Principal & Interest  
1 year standard fixed rate  4.64% p.a.  5.95% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
4.54% p.a.  5.86% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.59% p.a.  5.91% p.a. 
LVR above 80% (No change to standard rate) 
4.64% p.a.  5.95% p.a. 
2 year standard fixed rate  4.14% p.a.  5.74% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
4.04% p.a.  5.64% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.09% p.a.  5.69% p.a. 
LVR above 80% (No change to standard rate) 
4.14% p.a.  5.74% p.a. 
3 year standard fixed rate  4.34% p.a.  5.65% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
4.24% p.a.  5.55% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.29% p.a.  5.60% p.a. 
LVR above 80% (No change to standard rate) 
4.34% p.a.  5.65% p.a. 
4 year standard fixed rate  5.04% p.a.  5.77% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
4.94% p.a.  5.67% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.99% p.a.  5.72% p.a. 
LVR above 80% (No change to standard rate) 
5.04% p.a.  5.77% p.a. 
5 year standard fixed rate  4.74% p.a.  5.58% p.a. 
LVR under 60% (Includes discount of 0.1% p.a.) 
4.64% p.a.  5.48% p.a. 
LVR above 60% up to 80% (No change to standard rate) 
4.69% p.a.  5.53% p.a. 
LVR above 80% (No change to standard rate) 
4.74% p.a.  5.58% p.a. 
Interest Only  
1 year standard fixed rate  4.54% p.a.  6.42% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
4.44% p.a.  6.33% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.49% p.a.  6.38% p.a. 
2 year standard fixed rate  4.44% p.a.  6.23% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
4.34% p.a.  6.13% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.39% p.a.  6.18% p.a. 
3 year standard fixed rate  4.69% p.a.  6.12% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
4.59% p.a.  6.03% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.64% p.a.  6.08% p.a. 
4 year standard fixed rate  5.34% p.a.  6.22% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
5.24% p.a.  6.12% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
5.29% p.a.  6.17% p.a. 
5 year standard fixed rate  5.04% p.a.  6.01% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
4.94% p.a.  5.91% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
4.99% p.a.  5.96% p.a. 
Fixed Rate Home Loan  Residential Investment with Advantage Package^{*}
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
Get a 0.15% p.a. on Advantage Package^{*} discount on Balances $150,000+
Term  Annual rate  Comparison rate^{1} 

Principal & Interest  
1 year standard fixed rate less package discount  4.49% p.a.  5.00% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
4.39% p.a.  4.90% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.44% p.a.  4.95% p.a. 
LVR above 80% (No change to standard rate) 
4.49% p.a.  5.00% p.a. 
2 year standard fixed rate less package discount  3.99% p.a.  4.90% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
3.89% p.a.  4.80% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
3.94% p.a.  4.85% p.a. 
LVR above 80% (No change to standard rate) 
3.99% p.a.  4.90% p.a. 
3 year standard fixed rate less package discount  4.19% p.a.  4.90% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
4.09% p.a.  4.80% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.14% p.a.  4.85% p.a. 
LVR above 80% (No change to standard rate) 
4.19% p.a.  4.90% p.a. 
4 year standard fixed rate less package discount  4.89% p.a.  5.11% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
4.79% p.a.  5.01% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.84% p.a.  5.06% p.a. 
LVR above 80% (No change to standard rate) 
4.89% p.a.  5.11% p.a. 
5 year standard fixed rate less package discount  4.59% p.a.  5.00% p.a. 
LVR under 60% (Includes discount of 0.1% p.a.) 
4.49% p.a.  4.90% p.a. 
LVR between 60% to 80% (No change to standard rate) 
4.54% p.a.  4.95% p.a. 
LVR above 80% (No change to standard rate) 
4.59% p.a.  5.00% p.a. 
Interest Only  
1 year standard fixed rate less package discount  4.39% p.a.  5.47% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
4.29% p.a.  5.37% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.34% p.a.  5.42% p.a. 
2 year standard fixed rate less package discount  4.29% p.a.  5.38% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
4.19% p.a.  5.28% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.24% p.a.  5.33% p.a. 
3 year standard fixed rate less package discount  4.54% p.a.  5.38% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
4.44% p.a.  5.28% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.49% p.a.  5.33% p.a. 
4 year standard fixed rate less package discount  5.19% p.a.  5.55% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
5.09% p.a.  5.46% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
5.14% p.a.  5.51% p.a. 
5 year standard fixed rate less package discount  4.89% p.a.  5.43% p.a. 
LVR up to 60% (Includes further discount of 0.1% p.a.) 
4.79% p.a.  5.33% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.84% p.a.  5.38% p.a. 
Basic Home Loan  Residential Investment
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
LVR  Annual Rate  Comparison rate^{1} 

Principal & Interest Special offer^{^^} 1.10% p.a. off the Basic Home Loan rate is included in the below rates. 

Standard rate  4.24% p.a.  4.25% p.a. 
LVR less than 60% (Includes further discount of 0.1% p.a.) 
4.14% p.a.  4.15% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
4.19% p.a.  4.20% p.a. 
LVR above 80% (No change to standard rate) 
4.24% p.a.  4.25% p.a. 
Interest only Special offer^ 0.80% p.a. off the Basic Home Loan rate is included in the below rates. 

Standard rate  5.08% p.a.  5.09% p.a. 
LVR less than 60% (Includes further discount of 0.1% p.a.) 
4.98% p.a.  4.99% p.a. 
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.) 
5.03% p.a.  5.04% p.a. 
Portfolio Loan  Residential Investment
Get an Advantage Package^{*} discount on Balances $100,000+
Balances 
Annual Rate 

Standard Variable Rate  6.58% p.a. 
Standard Variable Rate with Advantage Package^{*} discount of 1.30 % p.a. included in the annual rate. 
5.28% p.a. 
Portfolio Loan Fixed Rate subaccounts
Get an Advantage Package^{*} discount on Balances $150,000+
Term  Annual rate  Annual rate including Advantage Package^{*} Discount of 0.15 % p.a.  

Interest only  
1 year fixed  4.54% p.a.  4.39% p.a.  
2 year fixed  4.44% p.a.  4.29% p.a.  
3 year fixed  4.69% p.a.  4.54% p.a.  
4 year fixed  5.34% p.a.  5.19% p.a.  
5 year fixed  5.04% p.a.  4.89% p.a. 
Relocation Home Loan  Residential Investment
LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.
For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.
LVR  Annual Rate  Comparison rate^{1} 

Interest only  
With end loan  
Standard rate  6.46% p.a.  6.62% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
6.36% p.a.  6.52% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
6.41% p.a.  6.57% p.a. 
Without end loan  
Standard rate  6.46% p.a.  6.68% p.a. 
LVR up to 60% (Includes discount of 0.1% p.a.) 
6.36% p.a.  6.58% p.a. 
LVR above 60% up to 80% (Includes discount of 0.05% p.a.) 
6.41% p.a.  6.63% p.a. 
Fixed Rate Home Loan  Owner Occupier
Below are the Fixed Rate Home Loan interest rates available to fix or refix an existing loan.
Note that a discount may apply – please refer to your loan contract or fixed rate maturity letter or call 13 22 26
Term  Annual rate  Comparison rate^{1}  

Principal & Interest  
1 year fixed  4.24% p.a.  5.40% p.a.  
2 year fixed  4.00% p.a.  5.25% p.a.  
3 year fixed  4.00% p.a.  5.14% p.a.  
4 year fixed  4.54% p.a.  5.23% p.a.  
5 year fixed  4.54% p.a.  5.17% p.a.  
Interest only  
1 year fixed  4.74% p.a.  5.97% p.a.  
2 year fixed  4.64% p.a.  5.85% p.a.  
3 year fixed  4.74% p.a.  5.76% p.a.  
4 year fixed  5.14% p.a.  5.81% p.a.  
5 year fixed  5.24% p.a.  5.80% p.a. 
Fixed Rate Home Loan  Owner Occupier with Advantage Package^{*}
Below are the Fixed Rate Home Loan interest rates available to fix or refix an existing loan under our Advantage Package^{*} and include the 0.15% p.a. package discount.
Note that a discount may apply – please refer to your loan contract or fixed rate maturity letter or call 13 22 66.
Term  Annual rate  Comparison rate^{1}  

Principal & Interest  
1 year fixed  4.09% p.a.  4.45% p.a.  
2 year fixed  3.85% p.a.  4.41% p.a.  
3 year fixed  3.85% p.a.  4.40% p.a.  
4 year fixed  4.39% p.a.  4.57% p.a.  
5 year fixed  4.39% p.a.  4.59% p.a.  
Interest only  
1 year fixed  4.59% p.a.  5.02% p.a.  
2 year fixed  4.49% p.a.  5.00% p.a.  
3 year fixed  4.59% p.a.  5.01% p.a.  
4 year fixed  4.99% p.a.  5.15% p.a.  
5 year fixed  5.09% p.a.  5.22% p.a. 
Fixed Rate Home Loan  Residential Investment
Below are the Fixed Rate Home Loan interest rates available to fix or refix an existing loans.
Note that a discount may apply – please refer to your loan contract or fixed rate maturity letter or call 13 22 66.
Term  Annual rate  Comparison rate^{1}  

Principal & Interest  
1 year fixed  4.64% p.a.  5.95% p.a.  
2 year fixed  4.14% p.a.  5.74% p.a.  
3 year fixed  4.34% p.a.  5.65% p.a.  
4 year fixed  5.04% p.a.  5.77% p.a.  
5 year fixed  4.74% p.a.  5.58% p.a.  
Interest only  
1 year fixed  4.54% p.a.  6.42% p.a.  
2 year fixed  4.44% p.a.  6.23% p.a.  
3 year fixed  4.69% p.a.  6.12% p.a.  
4 year fixed  5.34% p.a.  6.22% p.a.  
5 year fixed  5.04% p.a.  6.01% p.a. 
Fixed Rate Home Loan  Residential Investment with Advantage Package^{*}
Below are the Fixed Rate Home Loan interest rates available to fix or refix an existing loan under our Advantage package^{*}and include the 0.15% p.a. package discount.
Note that a discount may apply – please refer to your loan contract or fixed rate maturity letter or call 13 22 66.
Term  Annual rate  Comparison rate^{1}  

Principal & Interest  
1 year fixed  4.49% p.a.  5.00% p.a.  
2 year fixed  3.99% p.a.  4.90% p.a.  
3 year fixed  4.19% p.a.  4.90% p.a.  
4 year fixed  4.89% p.a.  5.11% p.a.  
5 year fixed  4.59% p.a.  5.00% p.a.  
Interest only  
1 year fixed  4.39% p.a.  5.47% p.a.  
2 year fixed  4.29% p.a.  5.38% p.a.  
3 year fixed  4.54% p.a.  5.38% p.a.  
4 year fixed  5.19% p.a.  5.55% p.a.  
5 year fixed  4.89% p.a.  5.43% p.a. 
Portfolio Loan Fixed Rate subaccounts
Get an Advantage Package^{*} discount on Balances $150,000+
Term  Annual rate  Annual rate including Advantage Package^{*} Discount of 0.15 % p.a.  

Interest only  
1 year fixed  4.54% p.a.  4.39% p.a.  
2 year fixed  4.44% p.a.  4.29% p.a.  
3 year fixed  4.69% p.a.  4.54% p.a.  
4 year fixed  5.34% p.a.  5.19% p.a.  
5 year fixed  5.04% p.a.  4.89% p.a. 

Term  Annual rate  Comparison rate^{1} 

Principal & Interest  
Variable Rate  6.62% p.a.  6.87% p.a. 
Fixed Rate  
1 year fixed  5.94% p.a.  6.80% p.a. 
2 year fixed  5.94% p.a.  6.73% p.a. 
3 year fixed  6.04% p.a.  6.70% p.a. 
4 year fixed  6.34% p.a.  6.77% p.a. 
5 year fixed  6.34% p.a.  6.74% p.a. 
Variable Loans Reference Rates^{2}
The reference rate is your variable interest rate before any discounts. To find out your reference rate, please refer to your loan contract or contact us on 13 22 66.
Annual Rate 
Comparison rate^{1}  

Owner Occupier Standard Variable Rate  5.34% p.a.  5.51% p.a. 
Owner Occupier Interest Only Standard Variable Rate  5.93% p.a.  6.09% p.a. 
Residential Investment Standard Variable Rate  5.92% p.a.  6.08% p.a. 
Residential Investment Interest Only Standard Variable Rate  6.46% p.a.  6.62% p.a. 
Portfolio Loan Variable Rate  6.58% p.a.  n/a 
Owner Occupier Basic Rate  4.76% p.a.  4.81% p.a. 
Owner Occupier Interest Only Basic Rate  5.35% p.a.  5.40% p.a. 
Residential Investment Basic Rate  5.34% p.a.  5.39% p.a. 
Residential Investment Interest Only Basic Rate  5.88% p.a.  5.93% p.a. 
How to apply
The Detail
Conditions, fees and credit criteria apply:
View the terms and conditions:
 Residential Loan Agreement – General Terms and Conditions
 Portfolio Loan Agreement  General Terms and Conditions
 Loan Accounts – Charges for specific services and accounts
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 example(s) given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
^{2} For sale products only
After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type.
* Advantage Package: Advantage Package Conditions of Use apply and are available upon request. Advantage Package annual fee, currently $395, is payable from an eligible Bank of Melbourne transactional account.
^ Basic Home Loan Promotional Rate:
This offer is only available for new Basic Home Loan applications received from 19 September 2018. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change. Refer to bankofmelbourne.com.au/personal/homeloans or call us for more information on current offers available. Excludes internal refinances and switches within St.George Banking Group.
^^ Basic Home Loan Promotional Rate:
This offer is only available for new Basic Home Loan applications received from 7 November 2018. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change.
There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice. Customers should seek independent taxation advice on any taxation matters.
Bank of Melbourne A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12).