Introductory Rate Home Loan

Variable - Loan to valuation ratio equal to or less than 80%
Interest rate
3.99 % p.a1
Comparison rate
4.98 % p.a*

This comparison rate is based on a $150,000 loan over 25 years.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. 


Get a head start on your home loan with a low introductory variable interest rate for the first 12 months. We want to make the first year as easy as possible as you get used to regular payments and budgeting. At the end of the first year, the loan will convert to a variable rate with a 0.25% discount off our Standard Variable Rate.

Features and Benefits:

  • Discounted variable interest rate for the first 12 months1
  • Additional repayments without penalty
  • Free online and mobile banking redraws

Key Features:

Available to Individuals, Companies and Trusts
Owner Occupied Yes
Construction Loan Not Available
Minimum loan amount $50,000
Maximum loan amount 80% of the property value
Loan Period Up to 30 years
Repayments Monthly / Fortnightly / Weekly
Additional Repayments Yes without penalty
Redraw Facility Yes
Application Fee $400
Monthly Fee No
Mortgage Offset Account No
Loan Repayment Insurance Available
Eligibility New Loans Only

Fees and Charges

How to get your Home Loan approved quickly


1Discounted variable rate applies for first 12 months converting to a variable rate with a 0.25% discount off our Standard Variable Rate. Not available for construction or interest only loans.
Lending criteria, terms and conditions, fees and charges apply. Offer only available for new loans.