Owner-occupied home loans

With a variable rate loan, your repayments can change during the life of your loan as interest rates can change for various reasons. Sometimes you’ll pay more, and sometimes less depending on the direction of an interest rate change. Always do your research about whether a variable or fixed rate loan works best for you.

With a fixed rate home loan, you will know exactly what your repayments will be for a fixed period of time. We offer fixed rates for periods of 1 to 5 years. Your fixed rate will change to a variable rate at the end of the fixed term, unless you advise the bank you want to ‘re-fix’ your loan before the fixed term ends.

With a principal and interest loan, you make repayments that reduce both the amount borrowed (the principal) and the interest charged. This is the most common type of home loan, and it means your loan balance decreases over time. We offer both fixed and variable rate principal and interest loans.

With an interest-only loan, you only pay the interest charged on the loan, but not the principal itself. If you only make interest only repayments, the loan balance won’t reduce over the interest only period. We offer both fixed and variable rate interest-only loans.