Lending and bank accounts, both associated with BSB number 939 200 Professional Package
Variable or Fixed rateOffsetRedraw
A home loan with fixed, variable and Line of Credit options. Offsets are available for variable loans. A package fee is applicable.
- Interest rate a year, from
- 6.53%
- Comparison rate
- 6.94%
- Upfront fees
- $3,743
- Annual fee
- $415
- Monthly fee
- None
Monthly repayment
$600,000 over 30 years
What it would cost
At the lowest rate of 6.53% (variable, live in, principal and interest). The rate you are offered depends on your deposit and the loan you choose, and upfront fees are not included.
- Monthly repayment
- $3,804
- Total repayments
- $1,369,531
- Interest
- $769,531
Rates
Every rate Lending and bank accounts, both associated with BSB number 939 200 publishes for this loan. LVR is the loan as a share of the property's value: 80% for a 20% deposit.
| Rate | Property | Repayments | LVR | Interest rate | Comparison rate |
|---|---|---|---|---|---|
| Variable | Live in | Principal and interest | Up to 50% | 6.53% | 6.94% |
| Variable | Live in | Principal and interest | Up to 50% | 6.54% | 6.95% |
| Variable | Live in | Principal and interest | Up to 50% | 7.19% | 7.59% |
| Variable | Live in | Principal and interest | 50% to 60% | 6.53% | 6.94% |
| Variable | Live in | Principal and interest | 50% to 60% | 6.54% | 6.95% |
| Variable | Live in | Principal and interest | 50% to 60% | 7.19% | 7.59% |
| Variable | Live in | Principal and interest | 60% to 70% | 6.53% | 6.94% |
| Variable | Live in | Principal and interest | 60% to 70% | 6.54% | 6.95% |
| Variable | Live in | Principal and interest | 60% to 70% | 7.24% | 7.64% |
| Variable | Live in | Principal and interest | 70% to 80% | 6.53% | 6.94% |
| Variable | Live in | Principal and interest | 70% to 80% | 6.54% | 6.95% |
| Variable | Live in | Principal and interest | 70% to 80% | 7.24% | 7.64% |
| Variable | Live in | Principal and interest | 80% to 90% | 6.69% | 7.10% |
| Variable | Live in | Principal and interest | 80% to 90% | 6.69% | 7.10% |
| Variable | Live in | Principal and interest | 80% to 90% | 7.32% | 7.72% |
| Variable | Live in | Principal and interest | 90% to 95% | 7.04% | 7.44% |
| Variable | Live in | Principal and interest | 90% to 95% | 7.04% | 7.44% |
| Variable | Live in | Principal and interest | 90% to 95% | 7.52% | 7.92% |
| Variable | Live in | Interest only | Up to 50% | 6.64% | 6.96% |
| Variable | Live in | Interest only | Up to 50% | 6.64% | 6.96% |
| Variable | Live in | Interest only | Up to 50% | 6.74% | 7.01% |
| Variable | Live in | Interest only | Up to 50% | 6.74% | 7.01% |
| Variable | Live in | Interest only | Up to 50% | 6.84% | 7.11% |
| Variable | Live in | Interest only | Up to 50% | 6.84% | 7.10% |
| Variable | Live in | Interest only | Up to 50% | 7.14% | 7.54% |
| Variable | Live in | Interest only | Up to 50% | 7.34% | 7.65% |
| Variable | Live in | Interest only | Up to 50% | 7.39% | 7.03% |
| Variable | Live in | Interest only | Up to 50% | 7.44% | 7.70% |
| Variable | Live in | Interest only | Up to 50% | 8.40% | 7.72% |
| Variable | Live in | Interest only | 50% to 60% | 6.64% | 6.96% |
| Variable | Live in | Interest only | 50% to 60% | 6.64% | 6.96% |
| Variable | Live in | Interest only | 50% to 60% | 6.74% | 7.01% |
| Variable | Live in | Interest only | 50% to 60% | 6.74% | 7.01% |
| Variable | Live in | Interest only | 50% to 60% | 6.84% | 7.11% |
| Variable | Live in | Interest only | 50% to 60% | 6.84% | 7.10% |
| Variable | Live in | Interest only | 50% to 60% | 7.14% | 7.54% |
| Variable | Live in | Interest only | 50% to 60% | 7.34% | 7.65% |
| Variable | Live in | Interest only | 50% to 60% | 7.39% | 7.03% |
| Variable | Live in | Interest only | 50% to 60% | 7.44% | 7.70% |
| Variable | Live in | Interest only | 50% to 60% | 8.40% | 7.72% |
| Variable | Live in | Interest only | 60% to 70% | 6.74% | 7.01% |
| Variable | Live in | Interest only | 60% to 70% | 6.74% | 7.00% |
| Variable | Live in | Interest only | 60% to 70% | 6.79% | 7.05% |
| Variable | Live in | Interest only | 60% to 70% | 6.79% | 7.05% |
| Variable | Live in | Interest only | 60% to 70% | 6.94% | 7.18% |
| Variable | Live in | Interest only | 60% to 70% | 6.94% | 7.17% |
| Variable | Live in | Interest only | 60% to 70% | 7.19% | 7.59% |
| Variable | Live in | Interest only | 60% to 70% | 7.39% | 7.70% |
| Variable | Live in | Interest only | 60% to 70% | 7.39% | 7.03% |
| Variable | Live in | Interest only | 60% to 70% | 7.49% | 7.75% |
| Variable | Live in | Interest only | 60% to 70% | 8.40% | 7.76% |
| Variable | Live in | Interest only | 70% to 80% | 6.74% | 7.01% |
| Variable | Live in | Interest only | 70% to 80% | 6.74% | 7.00% |
| Variable | Live in | Interest only | 70% to 80% | 6.79% | 7.05% |
| Variable | Live in | Interest only | 70% to 80% | 6.79% | 7.05% |
| Variable | Live in | Interest only | 70% to 80% | 6.94% | 7.18% |
| Variable | Live in | Interest only | 70% to 80% | 6.94% | 7.17% |
| Variable | Live in | Interest only | 70% to 80% | 7.19% | 7.59% |
| Variable | Live in | Interest only | 70% to 80% | 7.39% | 7.70% |
| Variable | Live in | Interest only | 70% to 80% | 7.39% | 7.03% |
| Variable | Live in | Interest only | 70% to 80% | 7.49% | 7.75% |
| Variable | Live in | Interest only | 70% to 80% | 8.40% | 7.76% |
| Variable | Live in | Interest only | 80% to 90% | 6.99% | 7.20% |
| Variable | Live in | Interest only | 80% to 90% | 7.09% | 7.24% |
| Variable | Live in | Interest only | 80% to 90% | 7.39% | 7.16% |
| Variable | Live in | Interest only | 80% to 90% | 7.56% | 7.80% |
| Variable | Live in | Interest only | 80% to 90% | 8.40% | 7.83% |
| Variable | Investment | Principal and interest | Up to 50% | 6.59% | 7.00% |
| Variable | Investment | Principal and interest | Up to 50% | 6.64% | 7.05% |
| Variable | Investment | Principal and interest | Up to 50% | 7.19% | 7.59% |
| Variable | Investment | Principal and interest | 50% to 60% | 6.59% | 7.00% |
| Variable | Investment | Principal and interest | 50% to 60% | 6.64% | 7.05% |
| Variable | Investment | Principal and interest | 50% to 60% | 7.19% | 7.59% |
| Variable | Investment | Principal and interest | 60% to 70% | 6.64% | 7.05% |
| Variable | Investment | Principal and interest | 60% to 70% | 6.74% | 7.14% |
| Variable | Investment | Principal and interest | 60% to 70% | 7.24% | 7.64% |
| Variable | Investment | Principal and interest | 70% to 80% | 6.64% | 7.05% |
| Variable | Investment | Principal and interest | 70% to 80% | 6.74% | 7.14% |
| Variable | Investment | Principal and interest | 70% to 80% | 7.24% | 7.64% |
| Variable | Investment | Principal and interest | 80% to 90% | 6.84% | 7.24% |
| Variable | Investment | Principal and interest | 80% to 90% | 6.94% | 7.34% |
| Variable | Investment | Principal and interest | 80% to 90% | 7.36% | 7.76% |
| Variable | Investment | Principal and interest | 90% to 95% | 7.24% | 7.64% |
| Variable | Investment | Principal and interest | 90% to 95% | 7.24% | 7.64% |
| Variable | Investment | Principal and interest | 90% to 95% | 7.56% | 7.95% |
| Variable | Investment | Interest only | Up to 50% | 6.64% | 7.02% |
| Variable | Investment | Interest only | Up to 50% | 6.64% | 6.99% |
| Variable | Investment | Interest only | Up to 50% | 6.74% | 7.04% |
| Variable | Investment | Interest only | Up to 50% | 6.74% | 7.03% |
| Variable | Investment | Interest only | Up to 50% | 6.84% | 7.14% |
| Variable | Investment | Interest only | Up to 50% | 6.84% | 7.12% |
| Variable | Investment | Interest only | Up to 50% | 7.09% | 7.09% |
| Variable | Investment | Interest only | Up to 50% | 7.14% | 7.54% |
| Variable | Investment | Interest only | Up to 50% | 7.19% | 7.52% |
| Variable | Investment | Interest only | Up to 50% | 7.34% | 7.65% |
| Variable | Investment | Interest only | Up to 50% | 7.39% | 7.61% |
| Variable | Investment | Interest only | 50% to 60% | 6.64% | 7.02% |
| Variable | Investment | Interest only | 50% to 60% | 6.64% | 6.99% |
| Variable | Investment | Interest only | 50% to 60% | 6.74% | 7.04% |
| Variable | Investment | Interest only | 50% to 60% | 6.74% | 7.03% |
| Variable | Investment | Interest only | 50% to 60% | 6.84% | 7.14% |
| Variable | Investment | Interest only | 50% to 60% | 6.84% | 7.12% |
| Variable | Investment | Interest only | 50% to 60% | 7.09% | 7.09% |
| Variable | Investment | Interest only | 50% to 60% | 7.14% | 7.54% |
| Variable | Investment | Interest only | 50% to 60% | 7.19% | 7.52% |
| Variable | Investment | Interest only | 50% to 60% | 7.34% | 7.65% |
| Variable | Investment | Interest only | 50% to 60% | 7.39% | 7.61% |
| Variable | Investment | Interest only | 60% to 70% | 6.74% | 7.12% |
| Variable | Investment | Interest only | 60% to 70% | 6.74% | 7.06% |
| Variable | Investment | Interest only | 60% to 70% | 6.79% | 7.11% |
| Variable | Investment | Interest only | 60% to 70% | 6.79% | 7.08% |
| Variable | Investment | Interest only | 60% to 70% | 6.94% | 7.24% |
| Variable | Investment | Interest only | 60% to 70% | 6.94% | 7.21% |
| Variable | Investment | Interest only | 60% to 70% | 7.19% | 7.59% |
| Variable | Investment | Interest only | 60% to 70% | 7.24% | 7.57% |
| Variable | Investment | Interest only | 60% to 70% | 7.39% | 7.70% |
| Variable | Investment | Interest only | 60% to 70% | 7.39% | 7.65% |
| Variable | Investment | Interest only | 60% to 70% | 7.39% | 7.21% |
| Variable | Investment | Interest only | 70% to 80% | 6.74% | 7.12% |
| Variable | Investment | Interest only | 70% to 80% | 6.74% | 7.06% |
| Variable | Investment | Interest only | 70% to 80% | 6.79% | 7.11% |
| Variable | Investment | Interest only | 70% to 80% | 6.79% | 7.08% |
| Variable | Investment | Interest only | 70% to 80% | 6.94% | 7.24% |
| Variable | Investment | Interest only | 70% to 80% | 6.94% | 7.21% |
| Variable | Investment | Interest only | 70% to 80% | 7.19% | 7.59% |
| Variable | Investment | Interest only | 70% to 80% | 7.24% | 7.57% |
| Variable | Investment | Interest only | 70% to 80% | 7.39% | 7.70% |
| Variable | Investment | Interest only | 70% to 80% | 7.39% | 7.65% |
| Variable | Investment | Interest only | 70% to 80% | 7.39% | 7.21% |
| Variable | Investment | Interest only | 80% to 90% | 6.99% | 7.28% |
| Variable | Investment | Interest only | 80% to 90% | 7.09% | 7.38% |
| Variable | Investment | Interest only | 80% to 90% | 7.39% | 7.75% |
| Variable | Investment | Interest only | 80% to 90% | 7.39% | 7.38% |
| Variable | Investment | Interest only | 80% to 90% | 7.56% | 7.82% |
| 1 year fixed | Live in | Principal and interest | Up to 50% | 6.64% | 7.50% |
| 1 year fixed | Live in | Principal and interest | 50% to 60% | 6.64% | 7.50% |
| 1 year fixed | Live in | Principal and interest | 60% to 70% | 6.64% | 7.54% |
| 1 year fixed | Live in | Principal and interest | 70% to 80% | 6.64% | 7.54% |
| 1 year fixed | Live in | Principal and interest | 80% to 90% | 6.84% | 7.63% |
| 1 year fixed | Live in | Principal and interest | 90% to 95% | 7.34% | 7.86% |
| 1 year fixed | Live in | Interest only | Up to 80% | 6.89% | 7.56% |
| 1 year fixed | Live in | Interest only | 80% to 90% | 7.39% | 7.69% |
| 1 year fixed | Investment | Principal and interest | Up to 50% | 6.74% | 7.51% |
| 1 year fixed | Investment | Principal and interest | 50% to 60% | 6.74% | 7.51% |
| 1 year fixed | Investment | Principal and interest | 60% to 70% | 6.74% | 7.55% |
| 1 year fixed | Investment | Principal and interest | 70% to 80% | 6.74% | 7.55% |
| 1 year fixed | Investment | Principal and interest | 80% to 90% | 6.94% | 7.68% |
| 1 year fixed | Investment | Principal and interest | 90% to 95% | 7.44% | 7.91% |
| 1 year fixed | Investment | Interest only | Up to 80% | 6.84% | 7.56% |
| 1 year fixed | Investment | Interest only | 80% to 90% | 7.34% | 7.72% |
| 2 year fixed | Live in | Principal and interest | Up to 50% | 6.64% | 7.42% |
| 2 year fixed | Live in | Principal and interest | 50% to 60% | 6.64% | 7.42% |
| 2 year fixed | Live in | Principal and interest | 60% to 70% | 6.64% | 7.45% |
| 2 year fixed | Live in | Principal and interest | 70% to 80% | 6.64% | 7.45% |
| 2 year fixed | Live in | Principal and interest | 80% to 90% | 6.84% | 7.56% |
| 2 year fixed | Live in | Principal and interest | 90% to 95% | 7.34% | 7.82% |
| 2 year fixed | Live in | Interest only | Up to 80% | 6.89% | 7.50% |
| 2 year fixed | Live in | Interest only | 80% to 90% | 7.39% | 7.66% |
| 2 year fixed | Investment | Principal and interest | Up to 50% | 6.74% | 7.44% |
| 2 year fixed | Investment | Principal and interest | 50% to 60% | 6.74% | 7.44% |
| 2 year fixed | Investment | Principal and interest | 60% to 70% | 6.74% | 7.47% |
| 2 year fixed | Investment | Principal and interest | 70% to 80% | 6.74% | 7.47% |
| 2 year fixed | Investment | Principal and interest | 80% to 90% | 6.94% | 7.61% |
| 2 year fixed | Investment | Principal and interest | 90% to 95% | 7.44% | 7.87% |
| 2 year fixed | Investment | Interest only | Up to 80% | 6.84% | 7.49% |
| 2 year fixed | Investment | Interest only | 80% to 90% | 7.34% | 7.68% |
| 3 year fixed | Live in | Principal and interest | Up to 50% | 6.69% | 7.35% |
| 3 year fixed | Live in | Principal and interest | 50% to 60% | 6.69% | 7.35% |
| 3 year fixed | Live in | Principal and interest | 60% to 70% | 6.69% | 7.39% |
| 3 year fixed | Live in | Principal and interest | 70% to 80% | 6.69% | 7.39% |
| 3 year fixed | Live in | Principal and interest | 80% to 90% | 6.89% | 7.50% |
| 3 year fixed | Live in | Principal and interest | 90% to 95% | 7.39% | 7.79% |
| 3 year fixed | Live in | Interest only | Up to 80% | 6.94% | 7.45% |
| 3 year fixed | Live in | Interest only | 80% to 90% | 7.44% | 7.65% |
| 3 year fixed | Investment | Principal and interest | Up to 50% | 6.79% | 7.38% |
| 3 year fixed | Investment | Principal and interest | 50% to 60% | 6.79% | 7.38% |
| 3 year fixed | Investment | Principal and interest | 60% to 70% | 6.79% | 7.42% |
| 3 year fixed | Investment | Principal and interest | 70% to 80% | 6.79% | 7.42% |
| 3 year fixed | Investment | Principal and interest | 80% to 90% | 6.99% | 7.56% |
| 3 year fixed | Investment | Principal and interest | 90% to 95% | 7.49% | 7.84% |
| 3 year fixed | Investment | Interest only | Up to 80% | 6.89% | 7.44% |
| 3 year fixed | Investment | Interest only | 80% to 90% | 7.39% | 7.67% |
| 5 year fixed | Live in | Principal and interest | Up to 50% | 6.79% | 7.27% |
| 5 year fixed | Live in | Principal and interest | 50% to 60% | 6.79% | 7.27% |
| 5 year fixed | Live in | Principal and interest | 60% to 70% | 6.79% | 7.30% |
| 5 year fixed | Live in | Principal and interest | 70% to 80% | 6.79% | 7.30% |
| 5 year fixed | Live in | Principal and interest | 80% to 90% | 6.99% | 7.43% |
| 5 year fixed | Live in | Principal and interest | 90% to 95% | 7.49% | 7.76% |
| 5 year fixed | Live in | Interest only | Up to 80% | 6.94% | 7.35% |
| 5 year fixed | Live in | Interest only | 80% to 90% | 7.44% | 7.62% |
| 5 year fixed | Investment | Principal and interest | Up to 50% | 6.89% | 7.32% |
| 5 year fixed | Investment | Principal and interest | 50% to 60% | 6.89% | 7.32% |
| 5 year fixed | Investment | Principal and interest | 60% to 70% | 6.89% | 7.35% |
| 5 year fixed | Investment | Principal and interest | 70% to 80% | 6.89% | 7.35% |
| 5 year fixed | Investment | Principal and interest | 80% to 90% | 7.09% | 7.50% |
| 5 year fixed | Investment | Principal and interest | 90% to 95% | 7.59% | 7.83% |
| 5 year fixed | Investment | Interest only | Up to 80% | 6.89% | 7.33% |
| 5 year fixed | Investment | Interest only | 80% to 90% | 7.39% | 7.62% |
Comparison rates are for an example loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Fees and features
Fees
- Upfront fees
- $3,743
- Annual fee
- $415
- Monthly fee
- None
Features
- Offset account
- Yes
- Redraw
- Yes
- Highest LVR
- 95%
- Loan amount
- From $100,000
How it compares
Against the other home loans we compare, for a home you live in with a 20% deposit. Typical means the middle half of them.
Variable rate
6.53%
For a home you live in, paying principal and interest. Typical is 6.62%.
Comparison rate
6.94%
For the same rate. Typical is 6.70%.
Upfront fees
$3,743
Typical upfront fees are $600.
Annual fee
$415
A typical annual fee is $350.
Smallest deposit
5%
Most loans need at least 10% of the price.
Pros and cons
Pros
- An offset account. Money in it is taken off your balance when interest is worked out, so your savings and pay cut the interest while staying easy to reach.
- Extra repayments. Paying more than the minimum pays the loan off sooner and cuts the interest you pay.
- Redraw. You can take back extra repayments later if you need the money.
- Fixed rates on offer. You can fix for 1 to 5 years if you'd like repayments that don't change for a while.
- Interest only available. Some investors use it to keep repayments down for a few years, though the balance doesn't fall in that time.
Cons
- Higher upfront fees. $3,743, above the typical $600, which adds to the cash you need at settlement.
- An annual fee. $415 a year, above the typical $350. Over a 30 year loan that's $12,450, though package fees often bring rate discounts.
- An early repayment fee. Paying the loan off early or refinancing can cost a fee, which cuts into what you save by repaying sooner.
Similar home loans
Home loans from other lenders with a similar starting variable rate, for a home you live in with a 20% deposit.
- Variable rate from
- 6.53%
- Comparison rate
- 6.54%
- Variable rate from
- 6.54%
- Comparison rate
- 6.56%
- Variable rate from
- 6.54%
- Comparison rate
- 6.57%
