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Special Offers

Owner Occupied Home Loans

Our Special Offer Owner Occupied Home Loans give you low interest rates with lots of flexibility, so you can pay off your home sooner.

Plus, for a limited of time we’re letting you choose between a $2,500 cashback* or a reduced rate when you take out an eligible home loan with us. Find out more.


Special Home Loan Offers

Owner Occupied Fixed Home Loan Packages

Enjoy the certainty of knowing your repayments each month, plus Visa Credit Card annual fee waivers, discounted Personal Loan rates and more.

Owner Occupied Variable Home Loan Package

Get unlimited fee-free additional repayments, 100% Home Loan Offset Accounts, Visa Credit Card annual fee waivers, discounted Personal Loan rates and more.

Owner Occupied Discounted Variable Rate Home Loan

Enjoy a competitive variable rate and the freedom to make extra repayments, so you can pay off your loan quicker.

Benefits

Quick and easy application

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

Flexible home loan repayment options

Weekly, fortnightly or monthly

No loan application fees or monthly fees

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

Owner Occupied Special Offer Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed Home Loan Package^1 1.99% pa 3.59% pa
2 Year Fixed Home Loan Package^1 1.89% pa 3.46% pa
3 Year Fixed Home Loan Package^1 1.79% pa 3.33% pa
4 Year Fixed Home Loan Package^1 2.25% pa 3.37% pa
5 Year Fixed Home Loan Package^1 2.35% pa 3.34% pa

Owner Occupied Special Offer Variable Home Loan Package

Product Name Interest Rate Comparison Rate
Variable Home Loan Package (where no cashback is taken)†^ 2.34% pa 2.78% pa
Owner Occupied Variable Home Loan Package^2 2.59% pa 3.02% pa

Owner Occupied Special Offer Discounted Variable Home Loan

Product Name Interest Rate Comparison Rate
Discounted Variable Rate (where no cashback is taken) 2.34% pa 2.36% pa
Owner Occupied Discounted Variable Home Loan2 2.59% pa 2.61% pa
Owner Occupied Discounted Variable Home Loan - Interest only#2 3.19% pa 3.21% pa

Owner Occupied Special Offer Low Deposit Variable Home Loan Package

Product Name LVR Interest Rate Comparison Rate
Owner Occupied Low Deposit Variable Home Loan Package^3 0.00% - 95.00% 2.99% pa 3.41% pa

Want to do more with your money?

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

Everything you get from everything we have. Compare the features and benefits of our current Home Loans that are available.

Get protection for your home buildings and your contents by combining buildings and contents covers on the one policy.

Find out more about our Special Offers, Home Loan Package, Standard Variable Rate Home Loans, Discounted Variable Rate Home Loans, and Fixed Rate Home Loans.

Offers valid as at 08/04/2021 are limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change.

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

#Interest only interest rates apply when you request to only repay interest charges on your loan. For construction loans, you will only be charged interest only interest rates if, after your construction period, your repayments will not be principal & interest repayments.

1This offer is available on new loans with minimum new borrowings of $150,000 where the LVR is 80% or less. Bridging and construction loans are not eligible for this offer.

2This offer is available on new loans with minimum new borrowings of $150,000 where the LVR is 80% or less. Bridging loans are not eligible for this offer.

3Requires minimum new borrowings of $150,000 or more where the loan to value ratio is 95% or less for owner-occupied loans and 90% or less for investment loans. This offer is available only to first home buyers, Education Community members and Workplace Banking Benefits members. This offer is limited and may be withdrawn at any time.

*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.

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. 

Conditions, fees and lending criteria apply and are available on request. 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.

Download a copy of our Home Loan Interest Rates, Fees and Charges.

LVR=Loan to Value Ratio.