Home/Investment Loans

We understand that buying a home is probably the most important, and expensive purchase you'll ever make. We have designed hassle-free home loans to make this venture even easier for you.
Friendly Home Loan
Our Friendly Home Loan offers a great low rate home loan with flexible options. A home loan ideal for first home owners and anyone looking for a top performing home loan.
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Redraw available on advance repayments
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Extra repayments accepted without penalty
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Flexible repayments to suit you
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100% Mortgage Offset Account available
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6.75% pa
interest rate
6.91% pa*
comparison rate
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Additional Information |
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Feature |
Friendly Home Loan |
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Minimum Amount |
$5,000 |
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Loan Period |
Up to 30 years |
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Repayments |
Weekly, fortnightly or monthly |
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Interest Charges |
Calculated daily, charged monthly |
|
Loan Set up costs |
$705 |
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Legal Costs |
May apply |
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Account Keeping Fees |
$10 per month |
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Variable and Lump Sum Repayments |
Yes |
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Auto repayments (salary/account) |
Yes |
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Free Redraw facility |
Yes |
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Top up facility available |
Yes - No minimum amount |
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Introductory Fixed Rate Home Loan
Our competitive Fixed Rate terms are available for a 1 year term and comes with the flexibility of repayment options to suit your individual needs. Once the term expires, your loan will automatically revert to our Friendly Home Loan variable rate.
By locking in your interest rate with our fixed rate loan you get the certainty of knowing exactly what your interest rate and payments will be no matter what happens in the market!
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Competitive interest rates
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Fixed rate for 1 or 2 years
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Flexible repayments to suit you
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Redraw available on advance repayments
|
From 5.99% pa
interest rate
From 6.79% pa*
comparison rate
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Additional Information |
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Feature |
Fixed Rate Home Loan |
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Minimum Amount |
$5,000 |
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Loan Period |
Up to 30 years |
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Repayments |
Weekly, fortnightly or monthly |
|
Interest Charges |
Calculated daily, charged monthly |
|
Loan Set up costs |
$205 |
|
Legal Costs |
May apply |
|
Account Keeping Fees |
Nil |
|
Variable and Lump Sum Repayments |
Yes |
|
Auto repayments (salary/account) |
Yes |
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Free Redraw facility |
Yes |
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Top up facility available |
Yes - No minimum amount (fees may apply)
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Standard Variable Home Loan
Our Standard Variable Home Loan is a variable home loan for purchasing or refinancing a home or investment property. You can even borrow to build your dream home or make major home improvements.
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A variable rate loan
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Redraw available on advance repayments
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Extra repayments accepted without penalty
-
100% Mortgage Offset Account available
|
7.60% pa
interest rate
7.65% pa*
comparison rate
|

|
|
Additional Information |
|
Feature |
Standard Variable Home Loan |
|
Minimum Amount |
$5,000 |
|
Loan Period |
Up to 30 years |
|
Repayments |
Weekly, fortnightly or monthly |
|
Interest Charges |
Calculated daily, charged monthly |
|
Loan Set up costs |
$705 |
|
Legal Costs |
May apply |
|
Account Keeping Fees |
Nil |
|
Variable and Lump Sum Repayments |
Yes |
|
Auto repayments (salary/account) |
Yes |
|
Free Redraw facility |
Yes |
|
Top up facility available |
Yes - No minimum amount |
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Home Equity Home Loan
Our Home Equity loan allows you to borrow against the portion of your home that you own. This is the difference between the amount you owe on your home loan and the value of the property. You can use the funds for whatever you like. Take advantage of other investment opportunities or use to make improvements to your home.
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Access to the equity in your home
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Extra repayments accepted without penalty
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Flexible repayments to suit you
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Save interest on your home loan
|
8.15% pa
interest rate
8.21% pa*
comparison rate
|

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Additional Information |
|
Feature |
Home Equity Home Loan |
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Minimum Amount |
$5,000 |
|
Loan Period |
Up to 30 years |
|
Repayments |
Weekly, fortnightly or monthly |
|
Interest Charges |
Calculated daily, charged monthly |
|
Loan Set up costs |
$705 |
|
Legal Costs |
May apply |
|
Account Keeping Fees |
Nil |
|
Variable and Lump Sum Repayments |
Yes |
|
Auto repayments (salary/account) |
Yes |
|
Free Redraw facility |
Yes |
|
Top up facility available |
Yes - No minimum amount |
|
Investment Loan
Our Investment Loan can be used for any worthwhile purpose, be it real estate, shares or managed investments as long as it secured by Real Estate.
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Redraw available on advance repayments
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Extra repayments accepted without penalty
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Flexible repayments to suit you
-
100% Mortgage Offset Account available
|
7.60% pa
interest rate
7.65% pa*
comparison rate
|

|
|
Additional Information |
|
Feature |
Investment Home Loan |
|
Minimum Amount |
$5,000 |
|
Loan Period |
Up to 30 years |
|
Repayments |
Weekly, fortnightly or monthly |
|
Interest Charges |
Calculated daily, charged monthly |
|
Loan Set up costs |
$705 |
|
Legal Costs |
May apply |
|
Account Keeping Fees |
Nil ($8 per month for Investment Loans) |
|
Variable and Lump Sum Repayments |
Yes |
|
Auto repayments (salary/account) |
Yes |
|
Free Redraw facility |
Yes |
|
Top up facility available |
Yes - No minimum amount |
|
Mortgage Offset Account
Our Mortgage Offset Account is a savings account linked to your loan account, which allows you to offset your savings, salary and other cash resources against your home or investment loan. It can help cut years off your loan term and save you thousands of dollars in repayments.
The total balance in your Mortgage Offset Account is offset against the balance of your loan, and interest is then calculated on the remaining net amount of your home loan.
A Mortgage Offset account can be used to offset 100% of your savings against either a new or existing Home Loan held with us.
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Reduce interest on your Home Loan
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No monthly account keeping fee
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Access to your money 24 hours a day
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100% Offset
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Additional Information |
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Features |
Mortgage Offset |
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Minimum opening balance |
No minimum |
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Cheque Book |
No |
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VISA, EFTPOS/ATM |
No |
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Internet and Phone Banking |
Yes |
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Direct entry (credit/debit) |
Yes |
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Bpay® |
Yes |
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Interest |
100% Offset to an eligible Home Loan account |
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Periodical Payment |
Yes |
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Over the counter transactions |
Yes |
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Useful Links and Tools
Questions?
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*For Housing and Residential Investment Loans the comparison rates are calculated on a loan amount of $150, 000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.
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. Terms and conditions, fees and charges and approval conditions apply.