Ultimate Home Loan Package (Fixed)
| Product | Principal and Interest | Interest only |
|---|---|---|
| Special 2 Year Fixed Package Rate <80% | 5.897,11,20,21 Interest rate 6.48Comparison rate | 5.897,11,20,22 Interest rate 6.47Comparison rate |
| Special 2 Year Fixed Package Rate >80% | 6.096,7,20,23 Interest rate 6.68Comparison rate | 6.096,7,20,24 Interest rate 6.67Comparison rate |
| 1 Year Fixed Package (<80%) | 6.197,12,14 Interest rate 8.33*Comparison rate | 6.397,12,15 Interest rate 8.35*Comparison rate |
| 2 Year Fixed Package (<80%) | 6.147,12,14 Interest rate 8.12*Comparison rate | 6.347,12,15 Interest rate 8.15*Comparison rate |
| 3 Year Fixed Package (<80%) | 6.097,12,14 Interest rate 7.92*Comparison rate | 6.297,12,15 Interest rate 7.97*Comparison rate |
| 1 Year Fixed Package (>80%) | 6.396,7,14 Interest rate 8.16*Comparison rate | 6.596,7,15 Interest rate 8.37*Comparison rate |
| 2 Year Fixed Package (>80%) | 6.346,7,14 Interest rate 8.16*Comparison rate | 6.546,7,15 Interest rate 8.19*Comparison rate |
| 3 Year Fixed Package (>80%) | 6.296,7,14 Interest rate 7.97*Comparison rate | 6.496,7,15 Interest rate 8.03*Comparison rate |
Effective date from Thursday 11 April 2024 |
| Fees | |
|---|---|
| Annual fee | $395 |
Fixed Rate Home Loan
| New Loan Rates | Principal and Interest | Interest Only |
|---|---|---|
| 1 Year Fixed Rate (<80%) | 6.3412,16 Interest rate 8.61*Comparison rate | 6.5412,17 Interest rate 8.63*Comparison rate |
| 2 Year Fixed Rate (<80%) | 6.2912,16 Interest rate 8.36*Comparison rate | 6.4912,17 Interest rate 8.40*Comparison rate |
| 3 Year Fixed Rate (<80%) | 6.2412,16 Interest rate 8.12*Comparison rate | 6.4412,17 Interest rate 8.19*Comparison rate |
| 1 Year Fixed Rate (>80%) | 6.546,16 Interest rate 8.63*Comparison rate | 6.746,17 Interest rate 8.65*Comparison rate |
| 2 Year Fixed Rate (>80%) | 6.496,16 Interest rate 8.40*Comparison rate | 6.696,17 Interest rate 8.44*Comparison rate |
| 3 Year Fixed Rate (>80%) | 6.446,16 Interest rate 8.18*Comparison rate | 6.646,17 Interest rate 8.25*Comparison rate |
Effective date from Thursday 11 April 2024 |
| Fees | |
|---|---|
| Establishment fee | $250 |
| Document fee | $250 |
| Loan maintenance fee | $10 / Per Month |
The fine print
6 Maximum LVR for owner occupied home loans is 95% and 90% for investment home loans.
7 Only available under our Ultimate Home Loan Package.
12 Maximum LVR for owner occupied and investment home loans is 80%.
14 Principal and Interest loans: Following fixed rate expiry, the loan will revert to our Principal and Interest SVR with a discount of 0.50%p.a. for the life of the loan.
15 Interest Only loans: Following expiry of the Interest Only fixed rate period, loan will revert to principal and interest repayments with a 0.50%p.a. discount off our Principal and Interest SVR for the life of the loan.
16 Principal and Interest loans: Following fixed rate expiry, the loan will revert to our Principal and Interest SVR for the life of the loan.
17 Interest Only loans: Following expiry of the Interest Only fixed rate period, loan will revert to principal and interest repayments on our Principal and Interest SVR for the life of the loan.
20 Available from 4 October 2023 for a loan amount of at least $100,000. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn
at any time before a loan contract is entered into.
21 Principal and Interest loans: Following fixed rate expiry, the loan will revert to our Principal and Interest SVR with a discount of 2.55%p.a. for the life of the loan.
22 Interest Only loans: Following expiry of the Interest Only fixed rate period, loan will revert to principal and interest repayments with a 2.55%p.a. discount off our Principal and Interest SVR for the life of the loan.
All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request.
Variable interest rates may change at any time without agreement.
Unless otherwise stated all fixed rate loans revert to the relevant Standard Variable Rate (Principal and Interest or Interest Only, as applicable) upon expiry of the fixed rate period.
Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%.
Packaged Loans are only available under our Ultimate Home Loan Package, are available for a limited time only and for a loan amount of at least $100,000. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into.
WARNING: These comparison rates apply 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. A comparison rate schedule is available at any of our branches.
* Comparison rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.
Before acquiring the product, the information above should be read in conjunction with the following documents to determine if the product is right for you: Home Loan brochure; Account and Access Facility Conditions of Use; Fees and Charges brochure; Loan Interest Rate Schedule; and Credit Guide.