Your Way Plus Home Loan

Want flexibility on your home loan? Flexible PLUS take advantage of our package benefits with special low rates and much more

Your Way Plus Home Loan

Get flexibility for your home loan PLUS take advantage of our package benefits with special low rates and much more.

Is this a home you'll love?

Love your rate as much as your new home. With our package benefits you’ll have everything you need with low rates and much more. Plus, if you’re an essential worker you’ll have access to special rates and benefits.

  • Your Way Plus Home Loan

    Get flexibility for your home loan PLUS take advantage of our package benefits with discounted rates and much more.

    • 2 .69
      pa %
      Your Way Plus Home Loan variable rate (Owner, P&I, LVR up to 60%)
    • 3 .02
      pa** %
      Your Way Plus Home Loan comparison rate (Owner, P&I, LVR up to 60%)
    • Discounted Fixed & Variable rates for life of the loan
    • Establishment fee waived (normally $600)
    • Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans
    • 100% Offset facility giving you the opportunity to pay off your home loan sooner
  • Essential Worker
    Your Way Plus Home Loan

    If you’re an essential worker^, you’ll get the whole package PLUS access to special low rates and benefits.

    • 2 .64
      pa %
      Your Way Plus Essential Worker variable rate (Owner, P&I, LVR up to 60%)
    • 2 .97
      pa** %
      Your Way Plus Essential Worker comparison rate (Owner, P&I, LVR up to 60%)
    • PLUS extra 0.05% p.a. discount for essential workers^ (Variable rate only)
    • PLUS annual fee for essential workers^ first home buyers waived
View all rates

View all Your Way Plus Home Loan interest rates

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Package benefits

  • Discounted Fixed & Variable rates for life of the loan
  • PLUS extra 0.05% p.a. discount for essential workers^ (Variable rate only)
  • PLUS 100% offset
  • PLUS establishment, valuation* and top up fees waived 
  • PLUS annual fee for essential workers^ first home buyers waived
  • PLUS flexibility to make additional repayments on both fixed and variable loans
  • PLUS access to fee-free redraw on both fixed and variable rate loans
  • PLUS personal loan application fees waived 

View Package T&Cs

Information  

Purpose

Owner occupied and construction

Minimum Amount

$150,000

Maximum Amount

Up to 90% of the property value prior to the capitalisation of Lenders Mortgage Insurance where the purpose is construction

Up to 90% of the property value including Lenders Mortgage Insurance where any part of the loan has a fixed rate component

Up to 95% of the property value including Lenders Mortgage Insurance where all of the loan is on a variable rate (i.e. with no fixed rate component)

Up to 98% of the property value for loans under the First Home Loan Deposit Scheme (depending on scheme type)

Repayment type

Principal and interest and Interest only 

Interest rate type

Variable and/or fixed up to 5 years

Interest calculated

Daily, charged monthly

Construction loan

Yes– variable rate only

Establishment fee

$0 (Usually $600)

Annual fee

$300. Waived for essential worker^ first home buyers.

Additional repayments

Yes. Fixed rate products – repayment capped at $10k per anniversary year.

Offset facility

Yes. Available to both variable and fixed rate loans.

Redraw

Yes – fee free. Includes both variable and fixed rate loans.

Split loan

Yes

Top up

Yes

Interest rates effective 29 June 2021.

 


For full details of our fees, please review the Fees and Charges brochure.

Download the Fees and Charges brochure [PDF]

 

More information to help you on your journey

**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

Essential workers

^Eligible Essential workers include: School Principal, Faculty Head, Commissioned Fire Officer, Commissioned Police Officer, Ambulance Officer, Intensive Care Ambulance Paramedic, Supervisor Police Officer, Police Officer, Senior Fire Fighter, Fire Fighter, Registered Nurse, Registered Midwife, Registered Mental Health Nurse, Registered Developmental Disability Nurse, Enrolled Nurse, Pre-Primary School Teacher, Primary School Teacher, Secondary School Teacher, Special Needs Teacher, Special Education Teachers, University Lecturer, University Tutor, Vocational Education Teacher, English as a Second Language Teacher.