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Home Loans

Key Features	1 year Fixed*	Standard Variable	Basic Variable	3 year Fixed	Package Home Loan	Home Equity
	Ideal for a 1st home buyer, combined with the First Home Owners Grant	Flexible and can be a cost effective alternative to a personal loan for any purpose.	A great no-frills home loan with low ongoing variable rates.	Offers piece of mind with known repayments over the fixed period.	Added benefits and value like home & car insurance discounts and free everyday banking.	Provides "easy to access" everyday use of the equity in your home.
Application Fee	$300	$100	$200	$200		$100
Loan Establishment Fees	At cost	At cost	At cost	At cost		At cost
Minimum Amount	$150,000	No minimum	$150,000	$100,000	$150,000	No minimum
Maximum Amount	95% of Property Value	95% of Property Value	95% of Property Value	95% of Property Value	95% of Property Value	95% of Property Value
Monthly Fee	$2	$2	$2	$2		$2
Annual Fee					$195 pa charged to loan
Discount Credit Card Rate
Fee Free Credit Card
Repayment Holiday Option
No Early Repayment Penalty						N/A
Branch Assisted Redraw			$25			N/A
Eligible for rebate rewards
Free ATM withdrawals at all ATMs

^{*Only members eligible for the First Home Owner Grant can apply for this loan.}

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