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Home Loan Reference Interest Rates

Below are the reference rates for Owner Occupied Home Loans.^

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 132 558.

Term Interest rate Comparison rate1
Flexi First Rate 4.68% p.a. 4.73% p.a.
Flexi First Interest Only Rate 5.27% p.a. 5.32% p.a.
Variable Housing Rate
5.33% p.a. 5.47% p.a.
Variable Interest Only Housing Rate 5.92% p.a. 6.06% p.a.
Rocket Variable Rate 5.33% p.a. 5.47% p.a.
Rocket Interest Only Rate 5.92% p.a. 6.06% p.a.
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.

^ For sale products only.

  1. More on comparison rates
    This comparison rate is based on a secured variable rate loan of $150,000 over the term of 25 years.  WARNING: The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.