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First Rate Special

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Get better rates based on your LVR*

Introducing a new tiered-level interest rate option on our First Rate home loan where different interest rates will apply according to your LVR plus all the benefits that come with our standard First Rate.

All displayed interest rates are for Owner Occupied loans only. Investment rates available by clicking here

3.05% pa1 Owner Occupied Variable rate for 70% LVR and below

3.10% pa2 
Comparison rate

For LVR above 70%, variable interest rate is 3.55%p.a.1 and
comparison rate is 3.60%p.a.2

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Key Features & Benefits

Maximum loan period 30 years
Minimum loan amount $150,000
Repayment options Weekly, fortnightly or month
Account keeping or service fees $0
Establishment fee $953
Legal fee At cost+
Valuation fee At cost+
Unlimited redraw facility Yes
Additional repayment accepted Yes
Switch to fixed rate Available - fee applies
Repayment holiday Available - conditions apply

+ Other fees and charges may apply and will be specified at the time the loan is approved.


What is LVR?

LVR stands for Loan to Value Ratio. LVR is a commonly used acronym in the mortgage and property industry, but what does it mean or how does it apply to home purchases? LVR is the percentage of money you borrow for a home loan compared to the value of the property.


Additional Information

Credit eligibility criteria, terms and conditions, fees and charges apply.

*LVR based tiered-level interest rates are only available for applications submitted from 11 December 2019.

1. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $150,000 to their existing home loan balance. Minimum loan amount $150,000.
2. The comparison rate is calculated based on secured loan amount of $150,000 over a term of 25 years. 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.