Home Loan Reference Interest Rates

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Owner Occupied

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 7.43% p.a. 7.43% p.a.
Flexi First Interest Only Rate 8.02% p.a. 7.7% p.a.
Variable Housing Rate
 8.08% p.a. 8.21% p.a.
Variable Interest Only Housing Rate 8.67% p.a. 8.48% p.a.
Rocket Variable Rate 8.08% p.a. 8.21% p.a.
Rocket Interest Only Rate 8.67% p.a. 8.48% 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 7.98% p.a. 7.98% p.a.
Flexi First Interest Only Invest Rate 8.24% p.a. 8.17% p.a.
Investment Property Plan 2 Rate 8.63% p.a. 8.76% p.a.
Variable Interest Only Invest Rate 8.89% p.a. 8.94% p.a.
Rocket Investment Rate 8.63% p.a. 8.76% p.a.
Rocket Interest Only Invest Rate 8.89% p.a. 8.94% p.a.
SMSF Investment Rate 8.63% p.a. 8.83% p.a.
SMSF Interest Only Investment Rate 8.89% p.a. 9.01% p.a.

Rates for other loan product types

Sustainable Upgrades home loan 

Variable rate Comparison rate
3.74% p.a  4.13% 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.

Key Fact Sheet for Home Loans

*Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. 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.