Home loan interest rates
Compare owner occupied home loan interest rates
All Home Loans have a base rate. The applicable base rate will depend on whether you select a standard or discounted home loan and also the repayment type you select – Principal and Interest (P&I) or Interest Only (IO).
For P&I loans, margins may apply to the applicable base rates. For new IO loans, currently a 0.10% p.a. margin above the applicable base rates will apply. The base rates are set out below and the all up interest rate which includes any margins, will be set out in your credit contract.
Ultimate Home Loan - Discount variable rate
| Ultimate discount variable | Interest rate# | Comparison rate^ |
|---|---|---|
| Variable | 6.19% p.a. | 6.56% p.a. |
Ultimate Home Loan - Variable rate
| Ultimate Home Loan | Interest rate | Comparison rate^ |
|---|---|---|
| Variable | 7.66% p.a. | 8.01% p.a. |
Ultimate Home Loan - Fixed rates
| Ultimate Home Loan | Interest rate~ | Comparison rate^ |
|---|---|---|
| 1 Year Fixed | 6.24% p.a. | 7.85% p.a. |
| 2 Years Fixed | 6.24% p.a. | 7.71% p.a. |
| 3 Years Fixed | 6.34% p.a. | 7.62% p.a. |
| 4 Years Fixed | 6.49% p.a. | 7.57% p.a. |
| 5 Years Fixed | 6.49% p.a. | 7.48% p.a. |
Terms, conditions, fees, charges and credit criteria apply.
#Discounted rates available for new home loans $150k+, with LVR of 80% or less.
^Comparison rate is based on $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.
~At the end of the fixed rate period customers can chose to re-fix their loan for another fixed rate period or let the loan revert to the applicable variable interest rate based on the loan and repayment type.
Interest Only home loans attract a 0.10% p.a. margin above the applicable Principal and Interest interest rate. Your interest rate which includes any margins, will be set out in your loan contract.
All Home Loans have a base rate. The applicable base rate will depend on whether you select a standard or discounted home loan and also the repayment type you select – Principal and Interest (P&I) or Interest Only (IO).
For P&I loans, margins may apply to the applicable base rates. For new IO loans, currently a 0.10% p.a. margin above the applicable base rates will apply. The base rates are set out below and the all up interest rate which includes any margins, will be set out in your credit contract.
Great Rate Home Loan - Discount variable rate
| Great Rate discount variable | Interest rate# | Comparison rate^ |
|---|---|---|
| Variable | 5.94% p.a. | 5.95% p.a. |
Great Rate Home Loan - Variable rate
| Great Rate Home Loan | Interest rate | Comparison rate^ |
|---|---|---|
| Variable | 7.86% p.a. | 7.87% p.a. |
Great Rate Home Loan - Fixed rates
| Great Rate Home Loan | Interest rate~ | Comparison rate^ |
|---|---|---|
| 1 Year Fixed | 6.29% p.a. | 7.70% p.a. |
| 2 Years Fixed | 6.29% p.a. | 7.55% p.a. |
| 3 Years Fixed | 6.39% p.a. | 7.44% p.a. |
| 4 Years Fixed | 6.54% p.a. | 7.37% p.a. |
| 5 Years Fixed | 6.54% p.a. | 7.28% p.a. |
Terms, conditions, fees, charges and credit criteria apply.
#Discounted rates available for new home loans $150k+, with LVR of 80% or less.
^Comparison rate is based on $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.
~At the end of the fixed rate period customers can chose to re-fix their loan for another fixed rate period or let the loan revert to the applicable variable interest rate based on the loan and repayment type.
Interest Only home loans attract a 0.10% p.a. margin above the applicable Principal and Interest interest rate. Your interest rate which includes any margins, will be set out in your loan contract.
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