Home loan interest rates

Owner Occupier rates

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.

Standard Variable Rate - Owner Occupier

LVR	Annual Rate	Comparison rate¹
Principal & Interest
Standard rate	4.54% p.a.	4.71% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	4.44% p.a.	4.61% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	4.49% p.a.	4.66% p.a.
LVR above 80% (No change to standard rate)	4.54% p.a.	4.71% p.a.
Interest only
Standard rate	5.13% p.a.	5.30% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	5.03% p.a.	5.20% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	5.08% p.a.	5.25% p.a.

Standard Variable Rate - Owner Occupier with Advantage Package^*

LVR	Annual Rate including Advantage Package^* Discount of 1.30% p.a.	Comparison rate¹
Principal & Interest
Standard rate	3.24% p.a.	3.67% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	3.14% p.a.	3.57% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.19% p.a.	3.62% p.a.
LVR above 80% (No change to standard rate)	3.24% p.a.	3.67% p.a.
Interest only
Standard rate	3.83% p.a.	4.24% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	3.73% p.a.	4.14 % p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.78% p.a.	4.19 % p.a.

Basic Home Loan - Owner Occupier

Term	Annual Rate	Comparison rate¹
Principal & Interest Special offer^ discount of 1.17% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate	2.79% p.a.	2.81% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	2.69% p.a.	2.71%p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.74% p.a.	2.76% p.a.
LVR above 80% (No change to standard rate)	2.79% p.a.	2.81% p.a.
Interest only
Standard rate	4.55% p.a.	4.60% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	4.45% p.a.	4.50% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	4.50% p.a.	4.55% p.a.

Fixed Rates

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.

Fixed Rate Home Loan - Owner Occupier

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year standard fixed rate	2.44% p.a.	4.51% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	2.34% p.a.	4.41% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	2.39% p.a.	4.46% p.a.
LVR above 80% (No change to standard rate)	2.44% p.a.	4.51% p.a.
2 year standard fixed rate	2.44% p.a.	4.33% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	2.34% p.a.	4.23% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	2.39% p.a.	4.28% p.a.
LVR above 80% (No change to standard rate)	2.44% p.a.	4.33% p.a.
3 year standard fixed rate	2.44% p.a.	4.16% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	2.34% p.a.	4.07% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	2.39% p.a.	4.11% p.a.
LVR above 80% (No change to standard rate)	2.44% p.a.	4.16% p.a.
4 year standard fixed rate	2.94% p.a.	4.17% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	2.84% p.a.	4.07% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	2.89% p.a.	4.12% p.a.
LVR above 80% (No change to standard rate)	2.94% p.a.	4.17% p.a.
5 year standard fixed rate	2.94% p.a.	4.06% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	2.84% p.a.	3.97% p.a.
LVR between 60% to 80% (Includes discount of 0.05% p.a.)	2.89% p.a.	4.01% p.a.
LVR above 80% (No change to standard rate)	2.94% p.a.	4.06% p.a.
Interest Only
1 year standard fixed rate	4.09% p.a.	5.20% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	3.99% p.a.	5.10% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	4.04% p.a.	5.15% p.a.
2 year standard fixed rate	3.99% p.a.	5.08% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	3.89% p.a.	4.99% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.94% p.a.	5.03% p.a.
3 year standard fixed rate	3.99% p.a.	4.99% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	3.89% p.a.	4.89% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.94% p.a.	4.94% p.a.
4 year standard fixed rate	4.29% p.a.	5.01% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	4.19% p.a.	4.91% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	4.24% p.a.	4.96% p.a.
5 year standard fixed rate	4.29% p.a.	4.95% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	4.19% p.a.	4.85% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	4.24% p.a.	4.90% p.a.

Fixed Rate Home Loan - Owner Occupier with Advantage Package^*

Get a 0.15% p.a. discount on Advantage Package^* for balances above $150,000 (included in the below rates)

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year standard fixed rate less package discount	2.29% p.a.	3.58% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	2.19% p.a.	3.48% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.24% p.a.	3.53% p.a.
LVR above 80% (No change to standard rate)	2.29% p.a.	3.58% p.a.
2 year standard fixed rate less package discount	2.29% p.a.	3.50% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	2.19% p.a.	3.41% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.24% p.a.	3.45% p.a.
LVR above 80% (No change to standard rate)	2.29% p.a.	3.50% p.a.
3 year standard fixed rate less package discount	2.29% p.a.	3.43% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	2.19% p.a.	3.33% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.24% p.a.	3.38% p.a.
LVR above 80% (No change to standard rate)	2.29% p.a.	3.43% p.a.
4 year standard fixed rate less package discount	2.79% p.a.	3.52% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	2.69% p.a.	3.42% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.74% p.a.	3.47% p.a.
LVR above 80% (No change to standard rate)	2.79% p.a.	3.52% p.a.
5 year standard fixed rate less package discount	2.79% p.a.	3.49% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	2.69% p.a.	3.39% p.a.
LVR between 60% to 80% (Includes further discount of 0.05% p.a.)	2.74% p.a.	3.44% p.a.
LVR above 80% (No change to standard rate)	2.79% p.a.	3.49% p.a.
Interest Only
1 year standard fixed rate less package discount	3.94% p.a.	4.25% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	3.84% p.a.	4.15% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.89% p.a.	4.20% p.a.
2 year standard fixed rate less package discount	3.84% p.a.	4.24% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	3.74% p.a.	4.15% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.79% p.a.	4.20% p.a.
3 year standard fixed rate less package discount	3.84% p.a.	4.24% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	3.74% p.a.	4.15% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.79% p.a.	4.20% p.a.
4 year standard fixed rate less package discount	4.14% p.a.	4.35% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	4.04% p.a.	4.25% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	4.09% p.a.	4.30% p.a.
5 year standard fixed rate less package discount	4.14% p.a.	4.37% p.a.
LVR up to 60% (Includes further discount of 0.10% p.a.)	4.04% p.a.	4.27% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	4.09% p.a.	4.32% p.a.

Relocation Home Loan - Owner Occupier

LVR	Annual Rate	Comparison rate¹
Interest only
With end loan
Standard rate	5.13% p.a.	5.30% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	5.03% p.a.	5.20% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	5.08% p.a.	5.25% p.a.
Without end loan
Standard rate	5.13% p.a.	5.35% p.a.
LVR up to 60% (Includes discount of 0.10% p.a.)	5.03% p.a.	5.25% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	5.08% p.a.	5.30% p.a.

Residential
Investment rates

Variable Rates

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.

Standard Variable Rate - Residential Investment

LVR	Annual Rate	Comparison rate¹
Principal & Interest
Standard rate	5.12% p.a.	5.29% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	5.02% p.a.	5.19% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	5.07% p.a.	5.24% p.a.
LVR above 80% (No change to standard rate)	5.12% p.a.	5.29% p.a.
Interest only
Standard rate	5.41% p.a.	5.58% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	5.31% p.a.	5.48% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	5.36% p.a.	5.53% p.a.

Standard Variable Rate - Residential Investment with Advantage Package^*

Get an Advantage Package^* discount on Balances $100,000+

LVR	Annual Rate including Advantage Package^* Discount of 1.30% p.a.	Comparison rate¹
Principal & Interest
Standard rate	3.82% p.a.	4.23% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	3.72% p.a.	4.13% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.77% p.a.	4.18% p.a.
LVR above 80% (No change to standard rate)	3.82% p.a.	4.23% p.a.
Interest only
Standard rate	4.11% p.a.	4.52% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	4.01% p.a.	4.42% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	4.06% p.a.	4.47% p.a.

Basic Home Loan - Residential Investment

LVR	Annual Rate	Comparison rate¹
Principal & Interest Special offer^{^^} 1.20% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate	3.34% p.a.	3.36% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	3.24% p.a.	3.26% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.29% p.a.	3.31% p.a.
LVR above 80% (No change to standard rate)	3.34% p.a.	3.36% p.a.
Interest only Special offer^^^ 1.19% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate	3.64% p.a.	3.66% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	3.54% p.a.	3.56% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.59% p.a.	3.61% p.a.

Fixed Rates

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.

Fixed Rate Home Loan - Residential Investment

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year standard fixed rate	3.14% p.a.	5.10% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.04% p.a.	5.00% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.09% p.a.	5.05% p.a.
LVR above 80% (No change to standard rate)	3.14% p.a.	5.10% p.a.
2 year standard fixed rate	2.94% p.a.	4.88% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	2.84% p.a.	4.79% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	2.89% p.a.	4.84% p.a.
LVR above 80% (No change to standard rate)	2.94% p.a.	4.88% p.a.
3 year standard fixed rate	2.94% p.a.	4.71% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	2.84% p.a.	4.61% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	2.89% p.a.	4.66% p.a.
LVR above 80% (No change to standard rate)	2.94% p.a.	4.71% p.a.
4 year standard fixed rate	3.44% p.a.	4.71% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.34% p.a.	4.61% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.39% p.a.	4.66% p.a.
LVR above 80% (No change to standard rate)	3.44% p.a.	4.71% p.a.
5 year standard fixed rate	3.44% p.a.	4.60% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.34% p.a.	4.50% p.a.
LVR above 60% up to 80% (No change to standard rate)	3.39% p.a.	4.55% p.a.
LVR above 80% (No change to standard rate)	3.44% p.a.	4.60% p.a.
Interest Only
1 year standard fixed rate	3.34% p.a.	5.37% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.24% p.a.	5.27% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.29% p.a.	5.32% p.a.
2 year standard fixed rate	3.14% p.a.	5.15% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.04% p.a.	5.05% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.09% p.a.	5.10% p.a.
3 year standard fixed rate	3.14% p.a.	4.97% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.04% p.a.	4.87% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.09% p.a.	4.92% p.a.
4 year standard fixed rate	3.64% p.a.	4.96% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.54% p.a.	4.87% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.59% p.a.	4.92% p.a.
5 year standard fixed rate	3.64% p.a.	4.84% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.54% p.a.	4.74% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	3.59% p.a.	4.79% p.a.

Fixed Rate Home Loan - Residential Investment with Advantage Package^*

Get a 0.15% p.a. on Advantage Package^* discount on Balances $150,000+

Term	Annual rate	Comparison rate¹
Principal & Interest
1 year standard fixed rate less package discount	2.99% p.a.	4.16% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	2.89% p.a.	4.06% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.94% p.a.	4.11% p.a.
LVR above 80% (No change to standard rate)	2.99% p.a.	4.16% p.a.
2 year standard fixed rate less package discount	2.79% p.a.	4.05% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	2.69% p.a.	3.95% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.74% p.a.	4.00% p.a.
LVR above 80% (No change to standard rate)	2.79% p.a.	4.05% p.a.
3 year standard fixed rate less package discount	2.79% p.a.	3.97% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	2.69% p.a.	3.87% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.74% p.a.	3.92% p.a.
LVR above 80% (No change to standard rate)	2.79% p.a.	3.97% p.a.
4 year standard fixed rate less package discount	3.29% p.a.	4.06% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	3.19% p.a.	3.96% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.24% p.a.	4.01% p.a.
LVR above 80% (No change to standard rate)	3.29% p.a.	4.06% p.a.
5 year standard fixed rate less package discount	3.29% p.a.	4.02% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	3.19% p.a.	3.92% p.a.
LVR between 60% to 80% (No change to standard rate)	3.24% p.a.	3.97% p.a.
LVR above 80% (No change to standard rate)	3.29% p.a.	4.02% p.a.
Interest Only
1 year standard fixed rate less package discount	3.19% p.a.	4.43% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	3.09% p.a.	4.33% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.14% p.a.	4.38% p.a.
2 year standard fixed rate less package discount	2.99% p.a.	4.32% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	2.89% p.a.	4.22% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.94% p.a.	4.27% p.a.
3 year standard fixed rate less package discount	2.99% p.a.	4.23% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	2.89% p.a.	4.13% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	2.94% p.a.	4.18% p.a.
4 year standard fixed rate less package discount	3.49% p.a.	4.31% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	3.39% p.a.	4.21% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.44% p.a.	4.26% p.a.
5 year standard fixed rate less package discount	3.49% p.a.	4.27% p.a.
LVR up to 60% (Includes further discount of 0.1% p.a.)	3.39% p.a.	4.17% p.a.
LVR above 60% up to 80% (Includes further discount of 0.05% p.a.)	3.44% p.a.	4.22% p.a.

Relocation Home Loan - Residential Investment (No longer available for sale)

LVR	Annual Rate	Comparison rate¹
Interest only
With end loan
Standard rate	5.41% p.a.	5.58% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	5.31% p.a.	5.48% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	5.36% p.a.	5.53% p.a.
Without end loan
Standard rate	5.41% p.a.	5.63% p.a.
LVR up to 60% (Includes discount of 0.1% p.a.)	5.31% p.a.	5.53% p.a.
LVR above 60% up to 80% (Includes discount of 0.05% p.a.)	5.36% p.a.	5.58% p.a.

Specialist Loans

Portfolio Loan - Residential Investment

Get an Advantage Package^* discount on Balances $100,000+

Balances	Annual Rate
Standard Variable Rate	5.98% p.a.
Standard Variable Rate with Advantage Package^* discount of 1.30 % p.a. included in the annual rate.	4.68% p.a.

Portfolio Loan Fixed Rate sub-accounts

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	3.34% p.a.	3.19% p.a.
2 year fixed	3.14% p.a.	2.99% p.a.
3 year fixed	3.14% p.a.	2.99% p.a.
4 year fixed	3.64% p.a.	3.49% p.a.
5 year fixed	3.64% p.a.	3.49% p.a.

Existing Home Loan Rates

Variable Rates

Variable Loans Reference Rates²

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 rate¹
Owner Occupier Standard Variable Rate	4.54% p.a.	4.71% p.a.
Owner Occupier Interest Only Standard Variable Rate	5.13% p.a.	5.30% p.a.
Residential Investment Standard Variable Rate	5.12% p.a.	5.29% p.a.
Residential Investment Interest Only Standard Variable Rate	5.41% p.a.	5.58% p.a.
Portfolio Loan Variable Rate	5.98% p.a.	n/a
Owner Occupier Basic Rate	3.96% p.a.	4.01% p.a.
Owner Occupier Interest Only Basic Rate	4.55% p.a.	4.60% p.a.
Residential Investment Basic Rate	4.54% p.a.	4.59% p.a.
Residential Investment Interest Only Basic Rate	4.83% p.a.	4.88% p.a.

Fixed Rate Owner Occupied

Fixed Rate Home Loan - Owner Occupier

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loan.

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 rate¹
Principal & Interest
1 year fixed	2.44% p.a.	4.51% p.a.
2 year fixed	2.44% p.a.	4.33% p.a.
3 year fixed	2.44% p.a.	4.16% p.a.
4 year fixed	2.94% p.a.	4.17% p.a.
5 year fixed	2.94% p.a.	4.06% p.a.
Interest only
1 year fixed	4.09% p.a.	5.20% p.a.
2 year fixed	3.99% p.a.	5.08% p.a.
3 year fixed	3.99% p.a.	4.99% p.a.
4 year fixed	4.29% p.a.	5.01% p.a.
5 year fixed	4.29% p.a.	4.95% p.a.

Fixed Rate Home Loan - Owner Occupier with Advantage Package^*

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix 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 rate¹
Principal & Interest
1 year fixed	2.29% p.a.	3.58% p.a.
2 year fixed	2.29% p.a.	3.50% p.a.
3 year fixed	2.29% p.a.	3.43% p.a.
4 year fixed	2.79% p.a.	3.52% p.a.
5 year fixed	2.79% p.a.	3.49% p.a.
Interest only
1 year fixed	3.94% p.a.	4.25% p.a.
2 year fixed	3.84% p.a.	4.24% p.a.
3 year fixed	3.84% p.a.	4.24% p.a.
4 year fixed	4.14% p.a.	4.35% p.a.
5 year fixed	4.14% p.a.	4.37% p.a.

Fixed Rate Residential Investment

Fixed Rate Home Loan - Residential Investment

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix 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 rate¹
Principal & Interest
1 year fixed	3.14% p.a.	5.10% p.a.
2 year fixed	2.94% p.a.	4.88% p.a.
3 year fixed	2.94% p.a.	4.71% p.a.
4 year fixed	3.44% p.a.	4.71% p.a.
5 year fixed	3.44% p.a.	4.60% p.a.
Interest only
1 year fixed	3.34% p.a.	5.37% p.a.
2 year fixed	3.14% p.a.	5.15% p.a.
3 year fixed	3.14% p.a.	4.97% p.a.
4 year fixed	3.64% p.a.	4.96% p.a.
5 year fixed	3.64% p.a.	4.84% p.a.

Fixed Rate Home Loan - Residential Investment with Advantage Package^*

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix 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 rate¹
Principal & Interest
1 year fixed	2.99% p.a.	4.16% p.a.
2 year fixed	2.79% p.a.	4.05% p.a.
3 year fixed	2.79% p.a.	3.97% p.a.
4 year fixed	3.29% p.a.	4.06% p.a.
5 year fixed	3.29% p.a.	4.02% p.a.
Interest only
1 year fixed	3.19% p.a.	4.43% p.a.
2 year fixed	2.99% p.a.	4.32% p.a.
3 year fixed	2.99% p.a.	4.23% p.a.
4 year fixed	3.49% p.a.	4.31% p.a.
5 year fixed	3.49% p.a.	4.27% p.a.

Specialist

Portfolio Loan Fixed Rate sub-accounts

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	3.34% p.a.	3.19% p.a.
2 year fixed	3.14% p.a.	2.99% p.a.
3 year fixed	3.14% p.a.	2.99% p.a.
4 year fixed	3.64% p.a.	3.49% p.a.
5 year fixed	3.64% p.a.	3.49% p.a.

Super Fund Home Loan – Residential Investment

Loan type not available for applications after 30 July 2018

Term	Annual rate	Comparison rate¹
Principal & Interest
Variable Rate	5.87% p.a.	6.12% p.a.
Fixed Rate
1 year fixed	5.99% p.a.	6.13% p.a.
2 year fixed	5.99% p.a.	6.14% p.a.
3 year fixed	6.09% p.a.	6.18% p.a.
4 year fixed	6.39% p.a.	6.31% p.a.
5 year fixed	6.39% p.a.	6.35% p.a.

The Detail

Conditions, fees and credit criteria apply. Based on Bank of Melbourne’s credit criteria, residential lending is not available for Non-Australian resident borrowers.

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.

Fixed Interest Rates: The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable interest rate.

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. Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters.

¹ Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example 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

* Advantage Package: Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible Bank of Melbourne transaction account. Before deciding to acquire a Bank of Melbourne transaction account, terms and conditions, and consider if the product is right for you.

^ Basic Home Loan Promotional Rate:
This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 28 October 2019. 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.

^^ Basic Home Loan Promotional Rate:
This offer is only available for new Residential Basic Home Loan applications with Principal and Interest repayments received from 9 September 2019. 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.

^^^ Basic Home Loan Promotional Rate:
This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 9 September 2019. 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.

Important notice

Owner Occupier rates

Standard Variable Rate - Owner Occupier

Standard Variable Rate - Owner Occupier with Advantage Package^*

Basic Home Loan - Owner Occupier

Fixed Rate Home Loan - Owner Occupier

Fixed Rate Home Loan - Owner Occupier with Advantage Package^*

Relocation Home Loan - Owner Occupier

Residential
Investment rates

Standard Variable Rate - Residential Investment

Standard Variable Rate - Residential Investment with Advantage Package^*

Basic Home Loan - Residential Investment

Fixed Rate Home Loan - Residential Investment

Fixed Rate Home Loan - Residential Investment with Advantage Package^*

Relocation Home Loan - Residential Investment (No longer available for sale)

Portfolio Loan - Residential Investment

Portfolio Loan Fixed Rate sub-accounts

Existing Home Loan Rates

Variable Loans Reference Rates²

Fixed Rate Home Loan - Owner Occupier

Fixed Rate Home Loan - Owner Occupier with Advantage Package^*

Fixed Rate Home Loan - Residential Investment

Fixed Rate Home Loan - Residential Investment with Advantage Package^*

Portfolio Loan Fixed Rate sub-accounts

Super Fund Home Loan – Residential Investment

Loan type not available for applications after 30 July 2018

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Request a call back

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Important notice

Home Loan Interest rates

Owner Occupier rates

Standard Variable Rate - Owner Occupier

Standard Variable Rate - Owner Occupier with Advantage Package*

Basic Home Loan - Owner Occupier

Residential Investment rates

Standard Variable Rate - Residential Investment

Standard Variable Rate - Residential Investment with Advantage Package*

Basic Home Loan - Residential Investment

Existing Home Loan Rates

Variable Loans Reference Rates2

Start your journey online

Request a call back

Call us on

Find a lender

Standard Variable Rate - Owner Occupier with Advantage Package^*

Residential
Investment rates

Standard Variable Rate - Residential Investment with Advantage Package^*

Variable Loans Reference Rates²