Buying a home

We're the home loan experts

We've got home loan experts (some of whom speak Vietnamese or Mandarin) in our branches who are ready to help. They'll show you options to help you buy and smart strategies that can help you own your home sooner.

Our home loan experts will help you: 

  • Work through how much money you'll need upfront
  • Get an accurate picture of what you can afford to borrow and repay
  • Gain confidence to make an offer on a new home 
  • Know your budget and move quickly when you find the right home
  • Save with our home loan package, other discounts and special offers
  • Take advantage of the flexible feature on your home loan, such as unlimited additional repayments for variable rate loans, offset facility and the option of temporarily reducing your repayments when you need a break for eligible customers3.

A range of home loans to suit your needs

Our loans include variable and fixed rate home loans (or a combination of both) and loans that offer a line of credit.

We also have a home loan package that offers not only interest rate discounts but savings on a range of other banking products, including credit cards and insurance.

Standard Variable Rate Loan

  • Great features including full interest offset and redraw
  • Get a competitive variable interest rate without being locked in for a set term.

Fixed Rate Home Loan

  • Choose a fixed rate for 1 to 5 years
  • Know exactly where you stand with your budget and what you’ll need to pay
  • Save with a partial interest offset.

Advantage Package

  • Save with package discounts on home loan interest rates and fees1
  • A package deal for your home loan, credit card and transaction account.

Portfolio Loan

  • A flexible line of credit that combines your personal and investment finances into one facility
  • Create up to 10 sub-accounts2 in your Portfolio Loan and access your equity while you pay off your home loan.

Any questions?

The Detail

Credit criteria, fees and charges, terms and conditions apply.

1. Advantage Package annual fee of $395 applies. Other fees may be payable. The interest rate discount and fee savings apply for the duration of the package. Contact us to see if you are eligible to receive Advantage Package benefits.

2. A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub account. Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.

3. Eligibility criteria, conditions and fees applicable.