Home Loan Reference Interest Rates
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Below are the reference rates for Owner Occupied Home Loans.
The reference rate is your variable interest rate before any discount or margin. To find out your reference rate, please refer to your loan contract or contact us on 132 558.
| Term | Interest rate | Comparison rate[#] |
| Flexi First Rate | 8.18% p.a. | 8.19% p.a. |
| Flexi First Interest Only Rate | 8.77% p.a. | 8.46% p.a. |
| Variable Housing Rate | 8.83% p.a. | 8.97% p.a. |
| Variable Interest Only Housing Rate | 9.42% p.a. | 9.24% p.a. |
| Rocket Variable Rate | 8.83% p.a. | 8.97% p.a. |
| Rocket Interest Only Rate | 9.42% p.a. | 9.24% p.a. |
Below are the reference rates for Investment Property Loans (Residential Investment).
The reference rate is your variable interest rate before any discount or margin. To find out your reference rate, please refer to your loan contract or contact us on 132 558.
| Term | Interest rate | Comparison rate[#] |
| Flexi First Investment Rate | 8.73% p.a. | 8.74% p.a. |
| Flexi First Interest Only Invest Rate | 8.99% p.a. | 8.93% p.a. |
| Investment Property Plan 2 Rate | 9.38% p.a. | 9.52% p.a. |
| Variable Interest Only Invest Rate | 9.64% p.a. | 9.7% p.a. |
| Rocket Investment Rate | 9.38% p.a. | 9.52% p.a. |
| Rocket Interest Only Invest Rate | 9.64% p.a. | 9.7% p.a. |
| SMSF Investment Rate | 10.12% p.a. | 10.33% p.a. |
| SMSF Interest Only Investment Rate | 10.41% p.a. | 10.53% p.a. |
Rates for other loan product types
Sustainable Upgrades home loan
| Variable rate | Comparison rate |
| 4.49% p.a | 4.49% p.a |
$4k to $50k loan amount on Principal & Interest repayments. 10-year maximum loan term. One Sustainable Upgrades home or investment loan per property.
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Things you should know
All interest rates quoted are variable unless otherwise indicated. Fees and charges apply to the above lending products. Full details of terms and conditions are available on request. These may be varied or new terms and conditions introduced, in the future. All loans are subject to the Bank’s normal lending criteria. Interest rates are subject to change and margins may apply.