BSB 805 050

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BSB 805 050

Refinance my home loan

Life is constantly changing. Time to make sure your home loan still meets your needs?

The freedom to choose

Refinancing with us could be the right choice for you if:

  • you want to consolidate your debts;
  • your circumstances have changed;
  • you want to reduce your repayments;
  • your fixed term loan is ending; or
  • you’re planning to renovate.

It’s the little things that count

Stop and think about how much has changed in your life, and in the world around you, since you bought your home. Does your home loan reflect your current circumstances?

Small differences add up…

  • Refinancing to a home loan with an interest rate that is a quarter of a percent lower might not seem like big deal, but 0.25%  can mean a big reduction in your interest repayments over the life of the loan.
  • Switching to a home loan that allows you to make unlimited extra repayments without any break costs or fees could help you pay off your loan sooner.
  • Having your home loan and bank account with the same financial institution could save you money every month with fee waivers and discounts on products and services.
  • Consolidating your loans could make them easier to manage and pay off.
  • For more information contact one of our Home Loan Advisers to help you review your current home loan

The fine print

Don't get caught by surprise

It’s important to be aware of extra charges you may need to pay including:

  • application fees
  • settlement fees
  • valuation fees
  • stamp duty
  • Government mortgage registration fees
  • exit fees and
  • early repayment fees.

Avoid any surprises and contact your current home loan provider to find out what fees are payable if you refinance your existing loan.

A refinance loan to suit you

I'm looking for
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Compare Our Products

Product Summary

What do I get?

Interest Rate

Comparison Rate

Service Availability

Interest Only Option

Available Loan Size

Loan to Value Ratio (LVR)

Rate Lock Option

Offset facility option

Extra Repayments

Redraw Facility

Loan Term

Repayment Frequency

Loan Splits available

Buy a Home or Investment

Refinance

Construction

Vacant Land

Bridging

Application Fee

Ongoing Fees

Package benefits and discounts on other products

 

Enjoy the certainty of fixed repayments and bundle your loan and bank account into one package to save with rate and fee discounts

What do I get?

Security of a discounted fixed rate packaged with a great range of product benefits and discounts.

Interest Rate

Home Loan: From 3.94% p.a. Fixed for 2 years^

Investment Loan: From 4.39% p.a. Fixed for 2 years

Comparison Rate

Home Loan: 4.95% p.a.^

Investment Loan: 5.34% p.a.

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$150,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%

Investment Loan: Up to 90%

Rate Lock Option

 0.15% fee applies

Offset facility option

Extra Repayments

Up to $10,000 per year

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

No restrictions on the number of splits per Annual Fee

Refinance

Vacant Land

Bridging

Application Fee

$0

Ongoing Fees

$395 per annum

Package benefits and discounts on other products

Remove

Package your loan and bank account for great discounts and benefits and enjoy the flexibility of a variable rate

What do I get?

Flexibility of a discounted variable rate, offset ability and packaged with great range of product benefits and discounts.

Interest Rate

Home Loan: From 3.79% p.a.a

Investment Loan: From 4.6% p.a.b

Comparison Rate

Home Loan: 4.19% p.a.a

Investment Loan: 4.98% p.a.b

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$150,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%
Investment Loan: Up to 90%

Rate Lock Option

Offset facility option

Extra Repayments

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

No restrictions on the number of splits per Annual Fee

Refinance

Vacant Land

Bridging

Application Fee

$0

Ongoing Fees

$395 per annum

Package benefits and discounts on other products

Remove

Enjoy the certainty of fixed mortgage repayments for a set period of time

What do I get?

Set fixed mortgage repayment certainty for up to 5 years.

Interest Rate

Home Loan: From 4.09% p.a. Fixed for 2 years

Investment Loan: From 4.54% p.a. Fixed for 2 years

Comparison Rate

Home Loan: 5.14% p.a.

Investment Loan: 5.54% p.a.

Service Availability

Full Service 
- Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$20,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%

Investment Loan: Up to 90%

Rate Lock Option

 0.15% fee applies

Offset facility option

Extra Repayments

Up to $10,000 per year

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

Refinance

Vacant Land

Bridging

Application Fee

$600

Ongoing Fees

$8 per month

Package benefits and discounts on other products

Remove

Enjoy a competitive variable rate and the freedom to make unlimited extra repayments to pay off your loan quicker

What do I get?

Low variable rate and the freedom to make extra repayments to reduce the length of your loan.

Interest Rate

Home Loan: From 4.24% p.a.a

Investment Loan: From 4.82% p.a.

Comparison Rate

Home Loan: 4.24% p.a.a

Investment Loan: 4.87% p.a.

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$50,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%

Investment Loan: Up to 90%

Rate Lock Option

Offset facility option

Extra Repayments

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

Refinance

Vacant Land

Bridging

Application Fee

$600

Ongoing Fees

$0

Package benefits and discounts on other products

Remove

Enjoy no monthly fees and the flexibility to make unlimited extra repayments to pay off your loan quicker

What do I get?

Variable loan no monthly fees and the flexibility to make extra repayments to reduce the length of your loan.

Interest Rate

Home Loan: 5.21% p.a.

Investment Loan: 5.6% p.a.

Comparison Rate

Home Loan: 5.26% p.a.

Investment Loan: 5.65% p.a.

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$20,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%

Investment Loan: Up to 90%

Rate Lock Option

Offset facility option

Extra Repayments

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

Refinance

Vacant Land

Application Fee

$600

Ongoing Fees

$0

Package benefits and discounts on other products

Remove

A flexible loan that puts you in control of your repayments by consolidating your transaction account and mortgage into one convenient account

What do I get?

Flexible Line of Credit Loan to control your finances, all with the one account.

Interest Rate

5.52% p.a.

Comparison Rate

N/A

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

10 years

Available Loan Size

$20,000 to $500,000

Loan to Value Ratio (LVR)

Up to 90%

Rate Lock Option

Offset facility option

N/A

Extra Repayments

Redraw Facility

Can draw up to limit amount

Loan Term

Up to 30 Years

Repayment Frequency

Monthly

Loan Splits available

Refinance

Construction

Vacant Land

Bridging

Application Fee

$600

Ongoing Fees

$8 per month

Package benefits and discounts on other products

Remove

Take control of your repayments with the flexibility of a transaction account and mortgage consolidated into a convenient account and save with extra discounts and benefits

What do I get?

Flexible transactional Line of Credit Loan packaged with a great range of product benefits and discounts.

Interest Rate

From  4.92% p.a.

Comparison Rate

N/A

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

10 Years

Available Loan Size

$150,000 to $500,000

Loan to Value Ratio (LVR)

Up to 90%

Rate Lock Option

Offset facility option

N/A

Extra Repayments

Redraw Facility

Can draw up to limit amount

Loan Term

Up to 30 Years

Repayment Frequency

Monthly

Loan Splits available

No restrictions on the number of splits per Annual Fee

Refinance

Construction

Vacant Land

Bridging

Application Fee

$0

Ongoing Fees

$395 per annum

Package benefits and discounts on other products

Remove

Choose People’s Choice

Make the switch

If you’re ready to make the switch, talk with one of our Home Loan Advisers today about your options.

 

Find a Home Loan Adviser

hi…

Please call us on 13 11 82 to arrange a Home Loan Adviser to contact you. Alternatively you can apply for your home loan online.

The comparison rate is for a loan of $150,000 over 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.

Terms, conditions, fees, charges and lending criteria apply and are available on application.

The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

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