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Interest Rates

Loans

Rates effective 3 May 2017

Investment & Savings

Rates effective 3 May 2017

The below rates apply to our owner occupied Home Loans only. Our investment Home Loan rates can be accessed in the tab below.
* Comparison Rate Warning ^The Premium Choice 0.15% discount is already included in the advertised Premium Choice interest rates. No further discounts apply to special rates. Information is subject to change without notice.

Product Name

Current rate p.a.

*Comparison rate p.a.

Premium Choice Variable Rate Home Loans^

Borrow $250K+ 4.59% 4.96%
Borrow $100K - $250K 4.79% 5.16%
Borrow <$100,000 4.99% 5.35%

Premium Choice Fixed Rate Home Loans^

1 yr Fixed Rate 4.15% 4.92%
2 yr Fixed Rate (Limited Time Special) 3.99% 4.85%
3 yr Fixed Rate (Limited Time Special) 3.84% 4.77%
4 yr Fixed Rate 4.35% 4.88%
5 yr Fixed Rate 4.40% 4.88%

Standard Choice Variable Rate Home Loan

5.29%

5.32%

Standard Choice Fixed Rate Home Loans

1 yr Fixed Rate 4.30% 5.23%
2 yr Fixed Rate 4.35% 5.15%
3 yr Fixed Rate 4.40% 5.08%
4 yr Fixed Rate 4.50% 5.05%
5 yr Fixed Rate 4.55% 5.01%

Secured Line of Credit (no longer available)

5.60%

NA

Bridging Loan (no longer available)

6.60%

6.63%

The below rates apply to our Investment Home Loans only. Our owner occupied loan rates can be accessed in the tab above.
* Comparison Rate Warning . ^The Premium Choice 0.15% discount is already included in the advertised Premium Choice interest rates. No further discounts apply to special rates. Information is subject to change without notice.

Product Name

Current rate p.a.

*Comparison rate p.a.

Premium Choice Variable Rate Investment Home Loans^

Borrow $250K+ 5.04% 5.40%
Borrow $100K - $250K 5.25% 5.61%
Borrow <$100,000 5.55% 5.90%

Premium Choice Fixed Rate Investment Home Loans^

1yr Fixed Rate 4.19% 5.32%
2yr Fixed Rate (Limited Time Special) 4.10% 5.23%
3yr Fixed Rate (Limited Time Special) 3.99% 5.12%
4yr Fixed Rate 4.45% 5.20%
5yr Fixed Rate 4.65% 5.24%

Standard Choice Variable Rate Investment Home Loan

5.85%

5.88%

Standard Choice Fixed Rate Investment Home Loans

1 yr Fixed Rate 4.34% 5.73%
2 yr Fixed Rate 4.50% 5.63%
3 yr Fixed Rate 4.54% 5.52%
4 yr Fixed Rate 4.60% 5.44%
5 yr Fixed Rate 4.80% 5.44%

SMSF Limited Recourse Investment Loans

Variable Rate Principle and Interest 6.18% 6.36%
Variable Rate Interest Only 6.28% 6.46%
1 yr Fixed 5.70% 6.31%
2 yr Fixed 5.74% 6.27%
3 yr Fixed 5.94% 6.29%
4 yr Fixed 6.05% 6.31%
5 yr Fixed 6.10% 6.32%

*Comparison rate calculation is based on a loan of $10,000 over 3 years with fortnightly repayments unless otherwise stated. The comparison rates apply only to the example/s given. Normal lending criteria apply, interest rate is per annum and is variable. 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 are not included in the comparison rate but may influence the cost of the loan. All interest rates are subject to change without notice.

Current rate p.a.

*Comparison rate p.a.

Personal Loans

Fully Secured 11.99% 11.96%
Unsecured 13.49% 13.45%
Personal overdraft 12.99% NA
New Car Loan 9.13% 9.11%

Effective 1 June 2015 for new applications and 18 June 2015 for existing card holders. ^ Cash advance rate - 18.99% effective 1 September 2015

Interest on purchases p.a.

Interest on cash advance p.a.

Credit Cards

Low Rate Visa Credit Card 11.99% 18.99%^
Visa Credit Card with Rewards 16.58% 18.99%^

Minimum $5,000

Term Deposit and Self Managed Superannuation Fund Term Deposit

Product Name

Interest rate p.a.

Set up via internet banking

Term Deposits for less than 12 months

Term - 1 month 1.50% Available
Term - 2 months 1.75% Available
Term - 3 months 2.10% Available
Term - 4 months 2.00% Available
Term - 5 months 2.00% Available
Term - 6 months 2.20% Available
Term - 7 months 2.10% Available
Term - 8 months 2.10% Available
Term - 9 months 2.10% Available
Term - 10 months 2.10% Available
Term - 11 months 2.10% Available

Term Deposits 12 months and over

12 months, int. at maturity 2.40% Available
12 months, int. 6 mthly 2.386% Available
12 months, int. quarterly 2.379% Available
12 months, int. monthly 2.374% Available
2 year, int. annually 2.75% NA
2 year, int. 6 mthly 2.731% NA
3 year, int. annually 3.00% NA
3 year, int. 6 monthly 2.978% NA
4 year, int. annually 3.00% NA
4 year, int. 6 monthly 2.978% NA
5 year, int. annually 3.00% NA
5 year, int. 6 mthly 2.978% NA

SMSF Term Deposits less than 12 months

Term - 1 month 1.50% NA
Term - 2 months 1.75% NA
Term - 3 months 2.10% NA
Term - 4 months 2.00% NA
Term - 5 months 2.00% NA
Term - 6 months 2.20% NA
Term - 7 months 2.10% NA
Term - 8 months 2.10% NA
Term - 9 months 2.10% NA
Term - 10 months 2.10% NA
Term - 11 months 2.10% NA

SMSF Term Deposit 12 months and over

12 months, int. at maturity 2.40% NA
2 year, int. annually 2.75% NA
2 year, int. 6 mthly 2.731% NA
3 year, int. annually 3.00% NA
3 year, int. 6 monthly 2.978% NA
4 year, int. annually 3.00% NA
4 year, int. 6 monthly 2.978% NA
5 year, int. annually 3.00% NA
5 year, int. 6 mthly 2.978% NA

Product Name

Interest rate p.a.

Application fee

High Interest Savings

Christmas Club 1.35%
Golden Saver Up to $48,000 @ 1.10% p.a.; $48,001 plus @ 2.40% p.a.
Net Invest 1.70%
Target Saver 1.45%
Cash Management Account 1.50%
SMSF Cash Management Account 1.50%

Transaction Accounts

Everyday Banking 0.01%
Golden Saver Up to $48,000 @ 1.10% p.a.; $48,001 plus @ 2.40% p.a.
Net Invest 1.70%

Specific purpose accounts

Apprentice Saver 1.45%
e-Kids 1.70%

Former LifePlan Australia Building Society (LABS) Account Rates

Click here for current interest rates on former LABS savings and everyday accounts. For information regarding former loan and term deposit interest rates please contact us on 1300 654 321.

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