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Owner Occupied Home Loans

FLEXIDISCOUNT HOME LOAN

Effective 25 May 2018

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Loan TypeFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
4.09% Fixed Rate (p.a.)- Variable Rate (p.a.)3.82% Comparison Rate (p.a.)#
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
4.19% Fixed Rate (p.a.)- Variable Rate (p.a.)3.89% Comparison Rate (p.a.)#
LVR >80% ≤90%Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
- Fixed Rate (p.a.)4.09% Variable Rate (p.a.)4.11% Comparison Rate (p.a.)#
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.59% Fixed Rate (p.a.)- Variable Rate (p.a.)4.15% Comparison Rate (p.a.)#
2 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.49% Fixed Rate (p.a.)- Variable Rate (p.a.)4.18% Comparison Rate (p.a.)#
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.69% Fixed Rate (p.a.)- Variable Rate (p.a.)4.26% Comparison Rate (p.a.)#
LVR >90%Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
- Fixed Rate (p.a.)4.39% Variable Rate (p.a.)4.43% Comparison Rate (p.a.)#
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.69% Fixed Rate (p.a.)- Variable Rate (p.a.)4.27% Comparison Rate (p.a.)#
2 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.59% Fixed Rate (p.a.)- Variable Rate (p.a.)4.30% Comparison Rate (p.a.)#
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.79% Fixed Rate (p.a.)- Variable Rate (p.a.)4.38% Comparison Rate (p.a.)#
TOPLINE HOME LOAN

Effective 25 May 2018

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Loan TypeFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
- Fixed Rate (p.a.)4.19% Variable Rate (p.a.)4.21% Comparison Rate (p.a.)#
LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

 >90%
- Fixed Rate (p.a.)4.49% Variable Rate (p.a.)4.53% Comparison Rate (p.a.)#
FLEXILINE

Effective 25 May 2018

Loan TypeFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
 

Residential Investment Loans

TOPLINE LOAN

Effective 18 April 2018

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Loan TypeFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
- Fixed Rate (p.a.)4.39% Variable Rate (p.a.)4.43% Comparison Rate (p.a.)#
LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
- Fixed Rate (p.a.)4.59% Variable Rate (p.a.)5.17% Comparison Rate (p.a.)#
FLEXICHOICE LOAN

Effective 18 April 2018

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Loan TypeFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
LVR ≤80%Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
- Fixed Rate (p.a.)5.52% Variable Rate (p.a.)5.67% Comparison Rate (p.a.)#
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
4.29% Fixed Rate (p.a.)- Variable Rate (p.a.)5.55% Comparison Rate (p.a.)#
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
4.39% Fixed Rate (p.a.)- Variable Rate (p.a.)5.36% Comparison Rate (p.a.)#
LVR >80% ≤90%Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
- Fixed Rate (p.a.)5.52% Variable Rate (p.a.)5.67% Comparison Rate (p.a.)#
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.79% Fixed Rate (p.a.)- Variable Rate (p.a.)5.60% Comparison Rate (p.a.)#
2 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.69% Fixed Rate (p.a.)- Variable Rate (p.a.)5.51% Comparison Rate (p.a.)#
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.89% Fixed Rate (p.a.)- Variable Rate (p.a.)5.50% Comparison Rate (p.a.)#
LVR >90%Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
- Fixed Rate (p.a.)5.52% Variable Rate (p.a.)5.71% Comparison Rate (p.a.)#
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.89% Fixed Rate (p.a.)- Variable Rate (p.a.)5.69% Comparison Rate (p.a.)#
2 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.79% Fixed Rate (p.a.)- Variable Rate (p.a.)5.65% Comparison Rate (p.a.)#
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.99% Fixed Rate (p.a.)- Variable Rate (p.a.)5.67% Comparison Rate (p.a.)#
FLEXILINE LOAN

Effective 18 April 2018

Loan TypeFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#

The small, small print:

Terms and conditions including fees and charges apply. Full details are available on application. Interest rates are subject to change without notice and should be verified with your local branch.

Applications are subject to Bank of us credit assessment criteria.

#The comparison rates are calculated on the basis of a secured loan of $150,000 over a term of 25 years.

WARNING: These comparison rates apply only to the 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 or loan offset accounts, are not included in the comparison rate, but may influence the cost of the loan.