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Compare our products

Your home is your castle


Compare the loan products on offer

Find the right loan for you

Compare our home and investment loans and find the right loan for your needs. 

Add up to 4 loans in the table below to compare the features and interest rates. For further queries, please contact us on 1300 654 321. 

Compare our products

Loans
Highlight Differences
  • Home Loan Package 1
  • Home Loan Package 1
  • Home Loan Package 1
  • Home Loan Package 1
Fixed Rate Loan

Lock it in

If you are looking for certainty around your mortgage interest rate, consider a fixed rate loan.
  • Split interest rate option (fixed/variable) 
  • Range of fixed rate terms available

Full product details

Compare all our Home Loan Products to find the most suitable mortgage for you.

Apply
Premium Choice Loan

Premium Choice

A low variable interest rate loan with a wide range of features, such as:
  • Loan Offset facility
  • Discounted general insurance products
  • Visa credit card at the standard choice variable interest rate available

Full product details:

Borrowing over $250,000Borrowing between $100,00 to $250,000Borrowing under $100,000
Apply
Standard Choice Loan

Standard Choice

A variable rate loan with some important features

  • Loan offset facility
  • No redraw fees 
  • Complimentary personal risk assessment

Full product details 

Compare all our Home Loan Products to find the most suitable mortgage for you.

Apply
Basic Choice Loan

Basic Choice

A competitive variable interest rate loan with basic product features.
  • No extra repayment fees
  • No redraw fees
  • Complementary personal risk assessment

Full product details 

Compare all our Home Loan Products to find the most suitable mortgage for you.

Apply

Important information 

  • Terms of Use

    Terms of Use

    We recommend you read the Terms of Use before taking up this product.
  • Fee and Interest Rate Schedule

    Fee and Interest Rate Schedule

    For information on applicable fees and charges, please click here to download our Fee schedule.

    For the latest interest rates please click here.

  • Loan Redraw

    Redraw

    A redraw facility allows you to access additional loan repayments made over and above your scheduled repayments. 

    At Big Sky we know and understand you may need access to these additional repayments; customers can therefore redraw these additional repayments (minimum $500) at anytime. Some conditions may apply so it is important to check your particular loan product.

    We encourage you to make additional regular or lump sum repayments whenever possible as it could slash years off your loan.

    Note: fees may apply.


  • Loan Offset Facility

    Offset facility

    An offset account links your home loan and your savings. The balance in your savings is offset against your loan balance which can result in interest being calculated on a lower loan balance.

    An offset account can reduce both the term of your home loan and the amount of interest you pay. Putting your savings into an offset account also offers much greater flexibility with the advantage that you can access your money in the event you need it.

  • Comparison Rate

    What is a Comparison Rate?

    A Comparison Rate is an all in one interest rate designed to help people identify the 'true' cost of the loan and is calculated by taking into consideration: the annual interest rate, any discount or honeymoon rate, any discount or upfront fees, and any known ongoing (monthly) fees. 

    It is a requirement by law that all financial institutions advertise comparison rates when promoting their lending products, to allow people to make a more objective comparison with the lending products offered by other financial institutions. An example of the comparison rate methodology for a Big Sky home loan follows. 

    Comparison Rate: 
    Loan amount 
    Loan term 
    Annual interest rate 
    1 year honeymoon rate               
    Loan application fee 
    Monthly fee 
    3rd party legal costs 
    Comparison rate 
    $150,000 
    25 years 
    7.49% p.a. 
    6.49% p.a. 
    $0 
    $0 
    $600 
    7.52% p.a 

    The comparison rate is based on fortnightly repayment calculations. It does not include government fees as they are standard regardless of the lender. 
     
    Whilst a comparison rate may assist you in making more objective comparisons when evaluating competing loan products, it is important to recognise this limitation of comparison rates. 
    Many complimentary loan features that Big Sky offer including the ability to make additional and lump sum repayments without penalty, 100% mortgage offset facility, and free redraw of advance repayments are not taken into account in the comparison rate calculation. For this reason, when comparing lending products it is important to consider additional features which differentiate loan products as well as comparison rates. Comparison rates are calculated for all loans with a fixed term, including home,  investment, car and personal loans. Overdrafts and credit cards are classified as continuous lines of credit and therefore a comparison rate cannot be calculated.

    You can find detail about all of Big Sky’s comparison rates by viewing our interest rates and comparison rate schedules.
Did you know...
mortgage holders are exempt from eligible transaction fees? Terms and conditions apply

Find out how

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