Compare our home loan products

Compare our home loans with each other to see which product suits your needs.

Compare owner occupier home loans

See how our loans compare to each other.

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Details
Who is this loan for?
Who is this loan for?

A low-rate home loan that keeps it simple. Suitable for owner occupiers for loan amounts over $150,000.

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Suitable for loan amounts over $150,000 and offers a discounted rate.

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Designed specially to help first home buyers achieve their dream of home ownership.

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Lock in a rate for up to 5 years. Plus enjoy knowing exactly how much you will be paying each month.

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A perfect choice for a new home with the choice of either fixed or variable interest.

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Used for owner occupied purchases, vacant land, renovations, or any worthwhile purpose.

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Applicants must be eligible for the Rewards Package
Applicants must be eligible for the Rewards Package
Rates and fees
Interest rate
Interest rate
Interest rate $150,000+ (Owner Occupier)
3 .42 % pa
Interest rate
4 .66 % pa
Interest Rate - 2 Year Fixed
2 .88 % pa
Interest Rate - 3 Year Fixed
3 .28 % pa
Interest Rate - 1 Year Fixed
2 .98 % pa
Interest Rate - 4 Year Fixed
3 .79 % pa
Interest Rate - 5 Year Fixed
3 .79 % pa
Interest rate - variable
5 .41 % pa
Interest rate
4 .75 % pa
Comparison rate
Comparison rate
Comparison rate $150,000+ (Owner Occupier)
3 .46 % pa**
Comparison rate
4 .66 % pa**
Comparison Rate - 2 Year Fixed
4 .46 % pa**
Comparison Rate - 1 Year Fixed
4 .62 % pa**
Comparison Rate - 3 Year Fixed
4 .41 % pa**
Comparison Rate - 4 Year Fixed
4 .47 % pa**
Comparison Rate - 5 Year Fixed
4 .41 % pa**
Comparison rate - variable
5 .06 % pa**
Comparison rate
4 .79 % pa**
Interest Rate Effective Date
Interest Rate Effective Date Interest rates effective 1 August 2019 Interest rates effective 1 August 2019 Interest rates effective 1 August 2019 Interest rates effective 16 October 2019 and are for Owner Occupied Loans with Principal and Interest repayments. Interest rates effective 1 August 2019 Interest rates effective 1 August 2019
Interest Rate Type
Interest Rate Type

Variable

Variable

Variable

Fixed up to 5 years

Variable

Variable

Repayment Type
Repayment Type

Principal and interest

Principal and interest and interest only

Principal and interest and interest only

Principal and interest

Interest only

Principal and interest

Maximum Amount
Maximum Amount Borrow up to 85% of the property value prior to capitalisation of Lenders Mortgage Insurance Borrow up to 95% of the property value including Lenders Mortgage Insurance (80% without) Borrow up to 95% for the purpose of construction of an Owner Occupied dwelling including Lenders Mortgage Insurance (loan must revert to P&I upon completion of construction Borrow up to 95% of the property value including Lenders Mortgage Insurance (80% without) Borrow up to 95% for the purpose of construction of an Owner Occupied dwelling including Lenders Mortgage Insurance (loan must revert to P&I upon completion of construction) Borrower up to 95% of the property value including Lenders Mortgage Insurance (80% without)
Establishment Fee
Establishment Fee $ 600 $ 600 $0 $ 600 $ 600 $ 600
Rewards Package Fee
Rewards Package Fee n/a $ 300
(annual)
n/a n/a n/a n/a
Settlement Attendance Fee
Settlement Attendance Fee n/a n/a n/a n/a n/a n/a

To become a member, you'll need:

  • tmb-logo To be an Australian citizen or permanent resident
    18 years old or over
  • +
  • tmb-logo Identification
  • +
  • tmb-logo Account details to purchase your share in the bank

**Comparison rate warning
Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.