##### For applications from 15/12/2022

Rate Type |
Annual Rate |
Comparison Rate^{3} |

Basic Variable 3-year Introductory Discount Offer - Principal & Interest Payments ($100,000+) |
6.14%p.a^{1} |
6.57%p.a |

Basic Home Loan Special Offer - Principal & Interest Payments ($100,000+) |
6.51%p.a^{2} |
6.54%p.a |

Basic Home Loan Special Offer - Interest Only Payments ($100,000+) |
6.64%p.a^{2} |
6.44%p.a |

Basic Variable Rate - Principal & Interest Payments |
7.19%p.a |
7.22%p.a |

Basic Variable Rate - Interest Only Payments |
7.44%p.a |
7.24%p.a |

LVR 60% or less |
5.99%p.a |
6.00%p.a |

LVR 70% or less |
6.04%p.a |
6.05%p.a |

LVR 80% or less |
6.09%p.a |
6.10%p.a |

LVR 90% or less |
6.47%p.a |
6.48%p.a |

LVR more than 90% |
6.89%p.a |
6.90%p.a |

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

^{1} The discounted interest rate is 1.05%p.a. for a period of 3 years. Discount applied to the advertised Basic Variable (Owner Occupier) Rate, current rates are subject to change. At the end of the 3 year period, the interest rate will revert to a 0.53%p.a. discount to the Basic Variable (Owner Occupier) Rate. Under 80% LVR, and New Business only. Available for owner occupied borrowings over $100,000 or more. Available for a limited time only and not in conjunction with any other discount.

^{2}The Basic Home Loan Special Offer is only available for owner occupied borrowings over $100,000 with new security. Available for a limited time only and not in conjunction with any other discount.

^{3}The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Please note: Current interest rates for Basic Home Loan applications prior to 1/12/2020 are available in the Interest Rates for Non-Featured Products.

##### Interest Only

Rate Type |
Annual Rate |
Comparison Rate^{1} |

LVR 60% or less |
6.24%p.a |
6.02%p.a |

LVR 70% or less |
6.29%p.a |
6.07%p.a |

LVR 80% or less |
6.34%p.a |
6.12%p.a |

LVR 90% or less |
6.72%p.a |
6.51%p.a |

LVR more than 90% |
7.14%p.a |
6.93%p.a |

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

The LVR Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Mortgage Offset Home Loans.

^{1} The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.