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Home Loans

5.99% p.a. Interest Rate

6.03% p.a. Comparison Rate^

  • Available for owner occupied or refinance
  • Take advantage of this market leading interest rate
  • You can SAVE hundreds with this loan *T&Cs apply
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Key Features

Super low variable rate

Free & unlimited extra repayments

Free & unlimited online redraws

No monthly fees

Loan splitting

Loan approval open for 90 days

Home Loan Benefits

Maximise flexibility, save on interest, and enjoy convenient features to manage your loan effectively.

Operate Your Loan Like a Bank Account

Manage your loan just like a bank account, with the potential to save hundreds in interest.

Deposit Your Salary Directly

Reduce interest costs by depositing your salary directly into your loan account.

Make Additional Repayments Without Penalty

Pay off your loan faster by making extra repayments anytime, without incurring penalties.

Access Additional Repayments with Redraw

Redraw your extra repayments whenever you need them with free and unlimited online withdrawals.

90-Day Loan Approval

Enjoy a 90-day loan approval window, giving you ample time to find and negotiate the best terms.

Multiple Accounts Under One Loan

Split your loan into separate accounts for personal, business, fixed, or variable purposes—all under one loan.

24/7 Online Access

Enjoy access to effortlessly manage and monitor your home loan from anywhere, giving you complete control at your convenience.

Home Loan Details

Explore key loan information, repayment options, and features designed to meet your financial needs.

Interest rate

5.99% p.a.

The comparison rate is based on a loan of $150,000 over 25 years. Fees and charges may be payable. 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.

Comparison rate^

6.03% p.a.

Maximum LVR

60%

Minimum loan amount

$150,000

Maximum loan amount

$1,000,000.00

A loan in which both the principal and the interest are repaid over the term of the loan. Amortisation or amortising is another word for these loans that are gradually being paid off over the set period of time (the loan term). P&I can also be the abbreviation term for principal and interest.

Principal & interest

Each payment cycle (normally monthly), a repayment must be made, regardless of whether you have made any lump sum or additional principal repayments to your loan account in excess of the standard repayment amount.

Payment required

Money IN - Allows you to make additional repayments without penalty.

Additional repayments

Money IN - A direct debit is an automatic payment that is setup to repay your loan. You specify the frequency as well as the bank or transaction account that the repayment is to be drawn from and this payment will occur automatically on the set due date.

Direct debits 

Money IN - The ability for your employer to pay directly into your loan account.

Salary credits

Money IN - The ability for an external partly to pay directly into your loan account.

Direct credits

When buying a property.

Purchase

Getting a new loan to replace the current is called refinancing. This is done to obtain a lower interest rate, better loan terms, or move your current loan from one provider to another.

Refinance

Money OUT - If you have made any lump sum or additional principal repayments to your loan account in excess of the standard repayment amount, you can access or draw back those extra repayments.

Redraw facility

No fee to pay each and every month.

No monthly fees 

No fee to pay each and every year.

No package fee (excluding stretch feature)

The access via the internet to view and administer your home loan.

Internet access

The access via the internet to view and administer your home loan.

Phone access 

The access via the internet to view and administer your home loan.

Loan splitting

The access via the internet to view and administer your home loan.

Loan switching 

The access via the internet to view and administer your home loan.

Deposit bond 

The access via the internet to view and administer your home loan.

Loan portability

The access via the internet to view and administer your home loan.

Loan approval period

Monthly fee

$0

Package fee

$0

Rate lock fee

$0

Application fee

$0

The access via the internet to view and administer your home loan.

Valuation fee

Up to $300 free*

Settlement fee

$445

Discharge fee

$500

More Home Loan Options
My Personal Loan has an extensive range of home loan options available, such as first home buyer, second home buyer, investor, refinance, construction, renovation, relocation and self-employed. Take advantage of our market leading interest rates.
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Home Loan Calculator

Borrowing for your dream home doesn’t have to be complicated—easily estimate your repayments with our home loan calculator.

Loan Amount
How much would you like to borrow?
$
Min: $250,000 Max: $5,000,000
Loan Period
What is the length of time you require to repay the loan?
Years
Min: 1 Year Max: 30 Years
Interest Rate
The proportion of a loan that is charged as interest to you, typically expressed as an annual percentage of the loan outstanding.
% p.a.
Loan Type
A principal and interest loan is a loan in which both the principal and the interest are repaid over the term of the loan.~ An interest only loan is a loan in which for a set term, you only pay off the interest that arises from the principal that is borrowed. However, interest only loans do not last indefinitely, meaning you will need to pay off the principal of the loan eventually.
Your Repayments

Weekly

Fortnight

Monthly

Important Disclaimer: This calculator is only a guide. Details of terms, conditions, interest rates, fees and charges are available upon application. A credit criteria applies. We recommend you seek independent legal and financial advice before proceeding with any loan.

Begin Your Path to Financial Freedom Today!

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