Standard

This is available for owner-occupiers, looking to purchase or refinance. Available to clear credit, full documentation individuals, companies, or trusts.
Easy Refinance is available for seasoned loans over 12 months old where we’re reducing the interest rate and repayment.

Key features

Fixed and variable rates

Flexible repayments

Offset accounts and multiple loan split

Redraw facilities

Visa Debit card

Online access available

Key features

Fixed and variable rates

Flexible repayments

Offset accounts and multiple loan split

Redraw facilities

Visa Debit card

Online access available

Quick links

Product sheet

Download

Rates

View rates

Standard application documents

View documents

Full features and benefits

Loan features	Loan type: Principal and interest or Interest only, Residential or Investment, fixed rate Maximum loan term: 30 years *Maximum LVR: 90% (including LMI) Maximum loan amount:* $2,500,000(Owner occupied) *Maximum loan amount: $2,000,000(Investment) Minimum loan amount: $150,000 LMI applicable: >80% (Payable in full at settlement OR capitalised within the product LVR and loan amount) Easy Refi: Available if existing loan is over 12 months and good conduct 80% of rental used (70% for holiday accommodation) (Investment Only) Construction/vacant land:** Yes
Borrower	Property purpose: Residential property Credit history: Clear credit history Employment type: PAYG income 6 months+ or self employed with ABN 2+years Acceptable borrowers: Australian citizens or permanent residents
Optional features	Offset account available Optional redraw facilities Visa Debit card available Multiple loan split option
Repayment features	Repayment frequency: weekly, fortnightly, monthly Transaction functionality: Unlimited transactions via internet, phone, BPay, debit card, ATM Make additional payments: Unlimited on variable rate splits. $20,000 p.a. for fixed rate splits Repayment method: Salary credit/direct debit Cash out available: Yes