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New or Refinanced Reduced rate†

So, you’re thinking about choosing the Reduced Rate Home Loan Special Offer over the $2,500 Cashback* Home Loan Special Offer? Nice work!

Here’s everything you need to know about our reduced rate offer and home loans.

To be eligible for the reduced rate offer you must be:

  • Refinancing your home or investment property from another financial institution to us with over $150,000 left on the loan, and with a loan to value ratio (LVR) of 80% or less; or

  • Buying or building a home or investment property, borrowing at least $150,000 with a LVR of 80% or less.

Why choose a home loan with us?

Quick and easy application

Our paperless application makes it simple for you to apply online, over the phone or in person.

Apply now

Cashback or reduced rate

Choose between a $2,500* cashback or a reduced rate.

No loan application fees or monthly fees

You won’t be stung with any hidden fees.

Flexible repayment options

Weekly, fortnightly or monthly.

Reduced rate offer home loan options

The reduced rate offer is available on our Discounted Variable Home Loans and Variable Home Loan Packages.

Product Name Interest Rate Comparison Rate
Variable Home Loan Package (where no cashback is taken)†3 2.34% pa 2.78% pa
Discounted Variable Rate (where no cashback is taken) 2.34% pa 2.36% pa


Home Loan Reduced Rate FAQs

Home Loan FAQs

  • How can I apply for a home loan?

    You can apply for a home loan through any of the following methods:

  • What does loan to value ratio (LVR) mean?

    The LVR is the loan amount as a percentage of the total value of the property. For example, if you are borrowing $280,000 to purchase a house valued at $350,000 then your LVR is 80%. The maximum LVR that you can borrow up to depends on several factors including the type of loan, the loan amount that you’re applying for and your capacity to make repayments.

  • What is an 'owner occupied’ home loan?

    When you're buying or building a home or apartment you intend to live in, it's called an owner-occupied property. This includes holiday homes that you don’t rent out and purchases of land on which you intend to build on, to live in. When you're applying for a home loan, you'll need to specify whether you're applying for an owner-occupied loan or an investment loan. This distinction can change the interest rate options and loan features available to you.

  • What does 'refinancing' mean?

    Refinancing is when you move your home loan from one lender to another. You might do this to get a better interest rate, better loan features, better service… any reason at all really! Be careful though, as there may be some fees involved in refinancing.

Start your application now

For a home loan that makes you feel at home – get in touch with us today.

Apply online

Start your home loan application online anytime, anywhere.

Details you’ll need to have handy:

  • Your income and living expense details
  • Information about what you own and what you owe.

We’ll call you back within 48 hours to talk you through the next steps.

Apply online now

Connect with a Mobile Lender

Don’t have time to visit us?

No problem. We can come to you!

Simply book an appointment with one of our Mobile Lending Managers at a time and place that suits you.

Make an appointment

Call or visit us

We're here to help.

Call us on (08) 8202 7777

  • Monday to Friday 8am – 8pm (ACST)
  • Saturdays 8am – 2pm (ACST)

Visit us at 400 King William Street, Adelaide

  • Monday to Friday 8am – 5.30pm (ACST)
  • Saturdays 10am – 2pm (ACST) 
  • Sunday – Closed


The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.

The Home Loan Repayment calculator allows you to calculate your repayments for different loans, for various terms and payment frequencies.

Compare two different loans using their individual honeymoon rates, upfront fees, monthly fees and discharge fees.

The Buying and Selling Costs calculator will calculate the costs of buying and selling, including real estate agent costs and stamp duty.

Offers valid as at 27/07/2021 are limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change.

*Cashback offer available on any owner-occupied or investment loan with minimum new borrowings of $250,000 where the loan to value ratio is 80% or less. Funds available at settlement, except in the case of construction loans where cashback will be paid on confirmation that the foundation has been poured. Limit of one cashback per household. Not available on fixed rate special offers and bridging loans.

Reduced rate offer available on new loans with minimum new borrowings of $150,000 where the LVR is 80% or less and no cashback is taken. Not available on fixed rate special offers and bridging loans.

Comparison rates are based on a $150,000 secured loan for 25 years. WARNING: These comparison rates are 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.

3 You must hold, or be approved for, total Package borrowings of at least $150,000. Conditions and annual package fee of $395 applies. 

Lending criteria, fees and conditions apply and are available upon request.