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Home/Investment Loans

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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.

  • Redraw available on advance repayments
  • Extra repayments accepted without penalty
  • Flexible repayments to suit you
  • 100% Mortgage Offset Account available

6.75% pa
interest rate

6.91% pa*
comparison rate

Apply Home Loan

 

  Additional Information
Feature Friendly 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 $10 per month
Variable and Lump Sum Repayments Yes
Auto repayments (salary/account) Yes
Free Redraw facility Yes
Top up facility available Yes - No minimum amount
 

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!

  • Competitive interest rates
  • Fixed rate for 1 or 2 years
  • Flexible repayments to suit you
  • Redraw available on advance repayments

From 5.99% pa
interest rate

From 6.79% pa*
comparison rate

Apply Home Loan

  Additional Information
Feature Fixed Rate 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 $205
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 (fees may apply)
 
 

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.

  • A variable rate loan
  • Redraw available on advance repayments
  • Extra repayments accepted without penalty
  • 100% Mortgage Offset Account available

7.60% pa
interest rate

7.65% pa*
comparison rate

Apply Home Loan

  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
 

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.

  • Access to the equity in your home
  • Extra repayments accepted without penalty
  • Flexible repayments to suit you
  • Save interest on your home loan

8.15% pa
interest rate

8.21% pa*
comparison rate

Apply Home Loan

  Additional Information
Feature Home Equity 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
 

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.

  • Redraw available on advance repayments
  • Extra repayments accepted without penalty
  • Flexible repayments to suit you
  • 100% Mortgage Offset Account available

7.60% pa
interest rate

7.65% pa*
comparison rate

Apply Home Loan

  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.

  • Reduce interest on your Home Loan
  • No monthly account keeping fee
  • Access to your money 24 hours a day

100% Offset

 

Apply Home Loan

  Additional Information
Features Mortgage Offset
Minimum opening balance No minimum
Cheque Book No
VISA, EFTPOS/ATM No
Internet and Phone Banking Yes
Direct entry (credit/debit) Yes
Bpay®  Yes
Interest 100% Offset to an eligible Home Loan account
Periodical Payment Yes
Over the counter transactions Yes
 

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Questions?

If you have any questions, pleaseContact us

 

*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.