Fix with certainty or float with confidence

Whether you want the certainty of fixed repayments, the flexibility to move your money around – or a combination of the two, we have a home loan to suit. 

4.29% p.a. 2 years fixed home loan special

Lock in this great rate on our Classic home loan, when you have your everyday banking and one other product with us.^

Minimum equity requirement.

Grab a great mortgage rate

Choose a fixed or floating rate, or get a combination of the two for ultimate flexibility. See all rates.^

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MINIMUM EQUITY AND OTHER 
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MINIMUM EQUITY AND OTHER 
CONDITIONS APPLY^

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Our fixed and floating rates and fees

View and compare all of our home loans and choose the one that's right for you. 

Compare home loans now

See our mortgage calculators 

Our fixed and floating home loans

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Fly Buys home loan

Fixed or floating

Collect Fly Buys points^ on your loan balance. Each month you'll collect nine points for loans less than $50K, 34 points for loans between $50K-$149K or 84 points if your loan is $150K or more. Calculate how many Fly Buys points you could earn.

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TotalMoney home loan

Floating

A floating loan that takes the combined balances of your TotalMoney everyday and savings accounts and subtracts them from the total owing on your mortgage, potentially saving you time and money.^ Calculate how much you can save.

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Classic home loan

Fixed

This loan is only available from time to time when we offer a special fixed rate on selected terms. Keep your eye out for these great rates.^

Features of our home loans

Our fixed and floating home loans come with varied features depending on the type of loan.

Total flexibility

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

Tailored repayments

By making a small increase to your repayments each year you could save thousands in interest and shave years off your home loan.^ More about tailored repayments.

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.^

Choose your term

You decide the total length of your home loan with us – it can be any length up to 30 years. 

Option to pay extra

You can repay any amount, anytime with our floating home loans. For fixed loans, repay up to 5% of the outstanding loan balance at the start of your fixed rate term. Not available on Classic home loans. 

 

Re-draw funds

Access extra repayments you've made on your loan above the required minimum, if you need to. You can't do this while your loan is still on a fixed interest rate.^

Calculators

How much can I borrow?

Work out how much you could borrow based on your current income and expenses.

Calculate

What will my repayments be?

Finding out what your mortgage repayments will be, can help when budgeting for and choosing a home.

Calculate

How fast can I pay off my home loan?

Work out how many years it will take to pay off your home loan, based on your weekly, fortnightly or monthly mortgage repayments.

Calculate

We can help you get sorted

Get conditional approval

Know what you can afford so you can move quickly on the home you want.

Request conditional approval

Talk to a mobile mortgage manager

Buying your first home or need help with switching? Our team is here to help and we'll come to you.^

Find a specialist

Switching to us is easy

We do the hard work for you, including finding you the right home loan package and dealing with your current bank. 

Switch to us

Talk to us about restructuring

Our home loan specialists can help you talk through some options and even find you a great rate.

Fine tune your loan

Talk to an expert

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Small Print

All home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. An establishment fee of up to $400 may apply for personal lending (the fee may be different for non-personal lending). Not for business purposes.

Read our full home loans terms and conditions