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Our interest rates have been designed with you in mind - our members.

We don't inflate rates because we don't have shareholders taking a percentage of our profits. Any profits we make are returned to you through better products, rates and service second to none.

Rates effective: 9 October 2017

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Home Loans - Owner Occupied Interest Rate Comparison Rate*

Home Sweet Home Loan****

3.99% pa^ 4.57% pa

Special Value Plus Home Loan~

4.19% pa 4.36% pa

KickStart First Home Buyer Loan~

4.44% pa 4.60% pa

Platinum Home Loan

4.59% pa 4.74% pa

Basic Home Loan

4.69% pa 4.82% pa

Mortgage Breaker 100% Offset

4.69% pa 4.91% pa

Classic Home Loan

5.09% pa 5.10% pa

Handyloan Secured Line of Credit

5.09% pa

N/A

Fixed Rate Home Loans^^

1 year
2 year
3 year
5 year

 

4.09% pa
4.09% pa
4.09% pa
4.59% pa

 

4.70% pa
4.65% pa
4.60% pa
4.72% pa

 

Investment Loans Interest Rate Comparison Rate*

Special Value Plus Investment Loan~

4.44% pa 4.60% pa

KickStart First Home Buyer Investment Loan

4.69% pa 4.85% pa

Platinum Investment Loan

4.84% pa 4.99% pa

Basic Investment Residential

4.94% pa 5.07% pa

Mortgage Breaker Investment Loan

4.94% pa 5.15% pa

Classic Investment Loan

5.34% pa 5.35% pa

Fixed Rate Investment Loans^^^

1 year
2 year
3 year
5 year

 

4.34% pa
4.34% pa
4.34% pa
4.84% pa

 

4.95% pa
4.90% pa
4.85% pa
4.97% pa

 

Personal/Car Loans Interest Rate Comparison Rate**

Budget Personal Loan

11.00% pa 11.15% pa

Personal Loan secured by deposit agreement

6.74% pa 6.95% pa

Personal Loan secured by mortgage

6.74% pa 8.45% pa

New Car Loan (Fixed Rate)

6.29% pa 6.50% pa

SPECIAL Used Car Loan

7.29% pa 7.50% pa

Environmental Loan (Fixed Rate)

10.50% pa 10.50% pa

 

Overdrafts Interest Rate Comparison Rate

Budget Overdraft

11.00% pa N/A

 

Visa Credit Card Interest Rate Comparison Rate

SPECIAL for 5 months on balance transfers and purchases***

4.99% pa N/A
Credit Card 12.95% pa N/A
  Additional Information

 

* Home Loan comparison rates are calculated on the example of a loan amount of $150,000 over a term of 25 years.
** Personal & Car Loan comparison rates are calculated on the example of a loan amount of $30,000 over a term of 5 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.
*** The special rate is available for 5 months from the date of the approved application. The rate applies to all purchases & balance transfers conducted within that period. Terms & conditions, fees & charges apply and are available on request. Normal credit criteria apply. At the end of the 5 month period the rate will revert to the normal credit card rate.
**** The loan is secured and the rate is variable. The rate is discounted for 24 months by 0.7%p.a. based on the Basic Home Loan. At the end of the 24 month period, the rate will revert to the Basic Home Loan rate at the time.
^ The rate is discounted for 24 months by 0.7%p.a. based on the Basic Home Loan. At the end of the 24 month period, the rate will revert to the Basic Home Loan rate at the time. Additional fees and charges will apply.
^^ Our fixed interest rate home loans are fixed for the terms specified above after which the interest rate reverts to the Basic Home Loan standard variable rate.
^^^ Our fixed interest rate investment loans are fixed for the terms specified above after which the interest rate reverts to the Basic Investment Residential Loan standard variable rate.
~ This loan product applies to new loans only.
# Family members who can provide their property as security include parents, grandparents, siblings, sons and daughters. The Family Equity Loan is not available for existing loans, refinances or investment property purchases. A Registered First Mortgage over purchased property and family member's property is required

All loans are variable unless otherwise specified. Variable interest rates are subject to change