Our home loan types

Find the type of home loan that best suits your budget and lifestyle.

Compare home loan rates Home loan calculators

Find the right loan for you

Fixed or floating rate

Standard

With a fixed-rate Standard home loan, you’ll be able to repay up to an extra 5% of your loan balance each year,^ on top of your regular repayments, without paying an early repayment charge. With a floating-rate Standard home loan, you can make extra repayments or lump sum payments, without early repayment charges. 

Apply for a standard loan More about fixed or floating rate loans

Offsetting (floating rate)

TotalMoney

A TotalMoney home loan uses offsetting to help lower the interest you pay. We work out the total amount in your connected accounts^ and take that total off your home loan balance. Your home loan repayments don’t change, but you only pay interest on the balance that’s left.

Apply for a TotalMoney home loan More about TotalMoney

Revolving credit (floating rate)

Rapid Repay

Revolving credit home loans have a floating interest rate. Interest is calculated daily and debited monthly. 

Apply for a Rapid Repay home loan More about revolving credit home loans

Great features of our home loans

Structured to suit

Choose one of our fixed or floating rates, or mix and match a combination of the two by splitting your home loan (mortgage) into fixed and floating portions.

You could save thousands in interest and shave years off your home loan, simply by making a small increase to your repayments each year^.

Lock in a rate

If you like the look of one of our fixed rates, we can hold it for up to 60 days so you don’t miss out.^

Related content

Depositor Compensation Scheme

Positive balances held in TotalMoney and Rapid Repay are covered under the Government’s Depositor Compensation Scheme. The scheme covers up to $100,000 of your money in the unlikely event of a failure.