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Home Value Loan
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 70% or less 
1.97% p.a. 
1.98% p.a. 
LVR between 70% and 80% 
2.17% p.a. 
2.18% p.a. 
LVR above 80% 
2.27% p.a. 
2.28% p.a. 
Loan to Value ratio (LVR) 
LVR 70% or less 

Interest rate^{~}

1.97% p.a. 
Comparison rate^{^}

1.98% p.a. 
Loan to Value ratio (LVR) 
LVR between 70% and 80% 
Interest rate^{~}

2.17% p.a. 
Comparison rate^{^}

2.18% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.27% p.a. 
Comparison rate^{^}

2.28% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
2.37% p.a. 
2.23% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

2.37% p.a. 
Comparison rate^{^}

2.23% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 70% or less 
2.27% p.a. 
2.28% p.a. 
LVR between 70% and 80% 
2.47% p.a. 
2.48% p.a. 
LVR above 80% 
2.57% p.a. 
2.58% p.a. 
Loan to Value ratio (LVR) 
LVR 70% or less 

Interest rate^{~}

2.27% p.a. 
Comparison rate^{^}

2.28% p.a. 
Loan to Value ratio (LVR) 
LVR between 70% and 80% 
Interest rate^{~}

2.47% p.a. 
Comparison rate^{^}

2.48% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.57% p.a. 
Comparison rate^{^}

2.58% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
2.67% p.a. 
2.55% p.a. 
LVR above 80% 
2.77% p.a. 
2.65% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

2.67% p.a. 
Comparison rate^{^}

2.55% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.77% p.a. 
Comparison rate^{^}

2.65% p.a. 
Owner Occupiers
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 70% or less 
1.97% p.a. 
1.98% p.a. 
LVR between 70% and 80% 
2.17% p.a. 
2.18% p.a. 
LVR above 80% 
2.27% p.a. 
2.28% p.a. 
Loan to Value ratio (LVR) 
LVR 70% or less 

Interest rate^{~}

1.97% p.a. 
Comparison rate^{^}

1.98% p.a. 
Loan to Value ratio (LVR) 
LVR between 70% and 80% 
Interest rate^{~}

2.17% p.a. 
Comparison rate^{^}

2.18% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.27% p.a. 
Comparison rate^{^}

2.28% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
2.37% p.a. 
2.23% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

2.37% p.a. 
Comparison rate^{^}

2.23% p.a. 
Investors
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 70% or less 
2.27% p.a. 
2.28% p.a. 
LVR between 70% and 80% 
2.47% p.a. 
2.48% p.a. 
LVR above 80% 
2.57% p.a. 
2.58% p.a. 
Loan to Value ratio (LVR) 
LVR 70% or less 

Interest rate^{~}

2.27% p.a. 
Comparison rate^{^}

2.28% p.a. 
Loan to Value ratio (LVR) 
LVR between 70% and 80% 
Interest rate^{~}

2.47% p.a. 
Comparison rate^{^}

2.48% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.57% p.a. 
Comparison rate^{^}

2.58% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
2.67% p.a. 
2.55% p.a. 
LVR above 80% 
2.77% p.a. 
2.65% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

2.67% p.a. 
Comparison rate^{^}

2.55% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.77% p.a. 
Comparison rate^{^}

2.65% p.a. 
Standard Variable Rate (with package)^{*}
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 70% or less 
2.07% p.a. 
2.52% p.a. 
LVR between 70% and 80% 
2.27% p.a. 
2.72% p.a. 
LVR above 80% 
2.37% p.a. 
2.81% p.a. 
Loan to Value ratio (LVR) 
LVR 70% or less 

Interest rate^{~}

2.07% p.a. 
Comparison rate^{^}

2.52% p.a. 
Loan to Value ratio (LVR) 
LVR between 70% and 80% 
Interest rate^{~}

2.27% p.a. 
Comparison rate^{^}

2.72% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.37% p.a. 
Comparison rate^{^}

2.81% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
2.47% p.a. 
2.73% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

2.47% p.a. 
Comparison rate^{^}

2.73% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 70% or less 
2.37% p.a. 
2.81% p.a. 
LVR between 70% and 80% 
2.57% p.a. 
3.01% p.a. 
LVR above 80% 
2.67% p.a. 
3.11% p.a. 
Loan to Value ratio (LVR) 
LVR 70% or less 

Interest rate^{~}

2.37% p.a. 
Comparison rate^{^}

2.81% p.a. 
Loan to Value ratio (LVR) 
LVR between 70% and 80% 
Interest rate^{~}

2.57% p.a. 
Comparison rate^{^}

3.01% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.67% p.a. 
Comparison rate^{^}

3.11% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
2.77% p.a. 
3.03% p.a. 
LVR above 80% 
2.87% p.a. 
3.13% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

2.77% p.a. 
Comparison rate^{^}

3.03% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.87% p.a. 
Comparison rate^{^}

3.13% p.a. 
Owner Occupiers
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 70% or less 
2.07% p.a. 
2.52% p.a. 
LVR between 70% and 80% 
2.27% p.a. 
2.72% p.a. 
LVR above 80% 
2.37% p.a. 
2.81% p.a. 
Loan to Value ratio (LVR) 
LVR 70% or less 

Interest rate^{~}

2.07% p.a. 
Comparison rate^{^}

2.52% p.a. 
Loan to Value ratio (LVR) 
LVR between 70% and 80% 
Interest rate^{~}

2.27% p.a. 
Comparison rate^{^}

2.72% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.37% p.a. 
Comparison rate^{^}

2.81% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
2.47% p.a. 
2.73% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

2.47% p.a. 
Comparison rate^{^}

2.73% p.a. 
Investors
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 70% or less 
2.37% p.a. 
2.81% p.a. 
LVR between 70% and 80% 
2.57% p.a. 
3.01% p.a. 
LVR above 80% 
2.67% p.a. 
3.11% p.a. 
Loan to Value ratio (LVR) 
LVR 70% or less 

Interest rate^{~}

2.37% p.a. 
Comparison rate^{^}

2.81% p.a. 
Loan to Value ratio (LVR) 
LVR between 70% and 80% 
Interest rate^{~}

2.57% p.a. 
Comparison rate^{^}

3.01% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.67% p.a. 
Comparison rate^{^}

3.11% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
2.77% p.a. 
3.03% p.a. 
LVR above 80% 
2.87% p.a. 
3.13% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

2.77% p.a. 
Comparison rate^{^}

3.03% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

2.87% p.a. 
Comparison rate^{^}

3.13% p.a. 
Home Smart (with package)*
Loan to Value ratio (LVR) 
Interest rate^{*} 
Comparison rate^{^} 

LVR 80% or less 
2.27% p.a. 
2.72% p.a. 
LVR above 80% 
2.37% p.a. 
2.81% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{*}

2.27% p.a. 
Comparison rate^{^}

2.72% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{*}

2.37% p.a. 
Comparison rate^{^}

2.81% p.a. 
Loan to Value ratio (LVR) 
Interest rate^{*} 
Comparison rate^{^} 

LVR 80% or less 
2.57% p.a. 
3.01% p.a. 
LVR above 80% 
2.67% p.a. 
3.11% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{*}

2.57% p.a. 
Comparison rate^{^}

3.01% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{*}

2.67% p.a. 
Comparison rate^{^}

3.11% p.a. 
Owner Occupiers
Loan to Value ratio (LVR) 
Interest rate^{*} 
Comparison rate^{^} 

LVR 80% or less 
2.27% p.a. 
2.72% p.a. 
LVR above 80% 
2.37% p.a. 
2.81% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{*}

2.27% p.a. 
Comparison rate^{^}

2.72% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{*}

2.37% p.a. 
Comparison rate^{^}

2.81% p.a. 
Investors
Loan to Value ratio (LVR) 
Interest rate^{*} 
Comparison rate^{^} 

LVR 80% or less 
2.57% p.a. 
3.01% p.a. 
LVR above 80% 
2.67% p.a. 
3.11% p.a. 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{*}

2.57% p.a. 
Comparison rate^{^}

3.01% p.a. 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{*}

2.67% p.a. 
Comparison rate^{^}

3.11% p.a. 
Home Equity (with package)^{*}
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
3.37% p.a. 
 
LVR above 80% 
% p.a. 
 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

3.37% p.a. 
Comparison rate^{^}

 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

% p.a. 
Comparison rate^{^}

 
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
3.78% p.a. 
 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

3.78% p.a. 
Comparison rate^{^}

 
Owner Occupiers
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
3.37% p.a. 
 
LVR above 80% 
% p.a. 
 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

3.37% p.a. 
Comparison rate^{^}

 
Loan to Value ratio (LVR) 
LVR above 80% 
Interest rate^{~}

% p.a. 
Comparison rate^{^}

 
Investors
Loan to Value ratio (LVR) 
Interest rate^{~} 
Comparison rate^{^} 

LVR 80% or less 
3.78% p.a. 
 
Loan to Value ratio (LVR) 
LVR 80% or less 

Interest rate^{~}

3.78% p.a. 
Comparison rate^{^}

 
Fixed Rate Loans
Available on borrowings from $50,000. Package eligibility applies^{1}.
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.15% p.a. (packaged) 2.25% p.a. (nonpackaged) 
2.71% p.a. (packaged) 3.13% p.a. (nonpackaged) 
2 Years 
1.88% p.a. (packaged) 2.09% p.a. (nonpackaged) 
2.65% p.a. (packaged) 3.03% p.a. (nonpackaged) 
3 Years 
2.09% p.a. (packaged) 2.29% p.a. (nonpackaged) 
2.67% p.a. (packaged) 3.00% p.a. (nonpackaged) 
5 Years 
2.60% p.a. (packaged) 2.70% p.a. (nonpackaged) 
2.84% p.a. (packaged) 3.03% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.15% p.a. (packaged) 2.25% p.a. (nonpackaged) 
Comparison rate^{^}

2.71% p.a. (packaged) 3.13% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

1.88% p.a. (packaged) 2.09% p.a. (nonpackaged) 
Comparison rate^{^}

2.65% p.a. (packaged) 3.03% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.09% p.a. (packaged) 2.29% p.a. (nonpackaged) 
Comparison rate^{^}

2.67% p.a. (packaged) 3.00% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

2.60% p.a. (packaged) 2.70% p.a. (nonpackaged) 
Comparison rate^{^}

2.84% p.a. (packaged) 3.03% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.30% p.a. (packaged) 2.40% p.a. (nonpackaged) 
2.81% p.a. (packaged) 3.24% p.a. (nonpackaged) 
2 Years 
2.30% p.a. (packaged) 2.40% p.a. (nonpackaged) 
2.80% p.a. (packaged) 3.17% p.a. (nonpackaged) 
3 Years 
2.40% p.a. (packaged) 2.50% p.a. (nonpackaged) 
2.82% p.a. (packaged) 3.12% p.a. (nonpackaged) 
5 Years 
2.75% p.a. (packaged) 2.85% p.a. (nonpackaged) 
2.96% p.a. (packaged) 3.15% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.30% p.a. (packaged) 2.40% p.a. (nonpackaged) 
Comparison rate^{^}

2.81% p.a. (packaged) 3.24% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.30% p.a. (packaged) 2.40% p.a. (nonpackaged) 
Comparison rate^{^}

2.80% p.a. (packaged) 3.17% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.40% p.a. (packaged) 2.50% p.a. (nonpackaged) 
Comparison rate^{^}

2.82% p.a. (packaged) 3.12% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

2.75% p.a. (packaged) 2.85% p.a. (nonpackaged) 
Comparison rate^{^}

2.96% p.a. (packaged) 3.15% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.65% p.a. (packaged) 2.75% p.a. (nonpackaged) 
2.74% p.a. (packaged) 3.18% p.a. (nonpackaged) 
2 Years  2.65% p.a. (packaged) 2.75% p.a. (nonpackaged) 
2.75% p.a. (packaged) 3.14% p.a. (nonpackaged) 
3 Years 
2.75% p.a. (packaged) 2.85% p.a. (nonpackaged) 
2.80% p.a. (packaged) 3.13% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.65% p.a. (packaged) 2.75% p.a. (nonpackaged) 
Comparison rate^{^}

2.74% p.a. (packaged) 3.18% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.65% p.a. (packaged) 2.75% p.a. (nonpackaged) 
Comparison rate^{^}

2.75% p.a. (packaged) 3.14% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.75% p.a. (packaged) 2.85% p.a. (nonpackaged) 
Comparison rate^{^}

2.80% p.a. (packaged) 3.13% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.39% p.a. (packaged) 2.49% p.a. (nonpackaged) 
2.99% p.a. (packaged) 3.43% p.a. (nonpackaged) 
2 Years 
2.29% p.a. (packaged) 2.39% p.a. (nonpackaged) 
2.96% p.a. (packaged) 3.33% p.a. (nonpackaged) 
3 Years 
2.39% p.a. (packaged) 2.49% p.a. (nonpackaged) 
2.96% p.a. (packaged) 3.27% p.a. (nonpackaged) 
5 Years 
2.69% p.a. (packaged) 2.79% p.a. (nonpackaged) 
3.05% p.a. (packaged) 3.25% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.39% p.a. (packaged) 2.49% p.a. (nonpackaged) 
Comparison rate^{^}

2.99% p.a. (packaged) 3.43% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.29% p.a. (packaged) 2.39% p.a. (nonpackaged) 
Comparison rate^{^}

2.96% p.a. (packaged) 3.33% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.39% p.a. (packaged) 2.49% p.a. (nonpackaged) 
Comparison rate^{^}

2.96% p.a. (packaged) 3.27% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

2.69% p.a. (packaged) 2.79% p.a. (nonpackaged) 
Comparison rate^{^}

3.05% p.a. (packaged) 3.25% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.80% p.a. (packaged) 2.90% p.a. (nonpackaged) 
3.12% p.a. (packaged) 3.55% p.a. (nonpackaged) 
2 Years 
2.80% p.a. (packaged) 2.90% p.a. (nonpackaged) 
3.13% p.a. (packaged) 3.50% p.a. (nonpackaged) 
3 Years 
2.90% p.a. (packaged) 3.00% p.a. (nonpackaged) 
3.16% p.a. (packaged) 3.47% p.a. (nonpackaged) 
5 Years 
3.25% p.a. (packaged) 3.35% p.a. (nonpackaged) 
3.33% p.a. (packaged) 3.53% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.80% p.a. (packaged) 2.90% p.a. (nonpackaged) 
Comparison rate^{^}

3.12% p.a. (packaged) 3.55% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.80% p.a. (packaged) 2.90% p.a. (nonpackaged) 
Comparison rate^{^}

3.13% p.a. (packaged) 3.50% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.90% p.a. (packaged) 3.00% p.a. (nonpackaged) 
Comparison rate^{^}

3.16% p.a. (packaged) 3.47% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

3.25% p.a. (packaged) 3.35% p.a. (nonpackaged) 
Comparison rate^{^}

3.33% p.a. (packaged) 3.53% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.59% p.a. (packaged) 2.69% p.a. (nonpackaged) 
3.00% p.a. (packaged) 3.44% p.a. (nonpackaged) 
2 Years 
2.49% p.a. (packaged) 2.59% p.a. (nonpackaged) 
2.97% p.a. (packaged) 3.36% p.a. (nonpackaged) 
3 Years 
2.59% p.a. (packaged) 2.69% p.a. (nonpackaged) 
2.98% p.a. (packaged) 3.32% p.a. (nonpackaged) 
5 Years 
2.89% p.a. (packaged) 2.99% p.a. (nonpackaged) 
3.07% p.a. (packaged) 3.33% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.59% p.a. (packaged) 2.69% p.a. (nonpackaged) 
Comparison rate^{^}

3.00% p.a. (packaged) 3.44% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.49% p.a. (packaged) 2.59% p.a. (nonpackaged) 
Comparison rate^{^}

2.97% p.a. (packaged) 3.36% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.59% p.a. (packaged) 2.69% p.a. (nonpackaged) 
Comparison rate^{^}

2.98% p.a. (packaged) 3.32% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

2.89% p.a. (packaged) 2.99% p.a. (nonpackaged) 
Comparison rate^{^}

3.07% p.a. (packaged) 3.33% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  3.00% p.a. (packaged) 3.10% p.a. (nonpackaged) 
3.12% p.a. (packaged) 3.57% p.a. (nonpackaged) 
2 Years  3.00% p.a. (packaged) 3.10% p.a. (nonpackaged) 
3.14% p.a. (packaged) 3.53% p.a. (nonpackaged) 
3 Years 
3.10% p.a. (packaged) 3.20% p.a. (nonpackaged) 
3.18% p.a. (packaged) 3.52% p.a. (nonpackaged) 
5 Years 
3.45% p.a. (packaged) 3.55% p.a. (nonpackaged) 
3.35% p.a. (packaged) 3.60% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

3.00% p.a. (packaged) 3.10% p.a. (nonpackaged) 
Comparison rate^{^}

3.12% p.a. (packaged) 3.57% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

3.00% p.a. (packaged) 3.10% p.a. (nonpackaged) 
Comparison rate^{^}

3.14% p.a. (packaged) 3.53% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

3.10% p.a. (packaged) 3.20% p.a. (nonpackaged) 
Comparison rate^{^}

3.18% p.a. (packaged) 3.52% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

3.45% p.a. (packaged) 3.55% p.a. (nonpackaged) 
Comparison rate^{^}

3.35% p.a. (packaged) 3.60% p.a. (nonpackaged) 
Owner Occupiers
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.15% p.a. (packaged) 2.25% p.a. (nonpackaged) 
2.71% p.a. (packaged) 3.13% p.a. (nonpackaged) 
2 Years 
1.88% p.a. (packaged) 2.09% p.a. (nonpackaged) 
2.65% p.a. (packaged) 3.03% p.a. (nonpackaged) 
3 Years 
2.09% p.a. (packaged) 2.29% p.a. (nonpackaged) 
2.67% p.a. (packaged) 3.00% p.a. (nonpackaged) 
5 Years 
2.60% p.a. (packaged) 2.70% p.a. (nonpackaged) 
2.84% p.a. (packaged) 3.03% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.15% p.a. (packaged) 2.25% p.a. (nonpackaged) 
Comparison rate^{^}

2.71% p.a. (packaged) 3.13% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

1.88% p.a. (packaged) 2.09% p.a. (nonpackaged) 
Comparison rate^{^}

2.65% p.a. (packaged) 3.03% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.09% p.a. (packaged) 2.29% p.a. (nonpackaged) 
Comparison rate^{^}

2.67% p.a. (packaged) 3.00% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

2.60% p.a. (packaged) 2.70% p.a. (nonpackaged) 
Comparison rate^{^}

2.84% p.a. (packaged) 3.03% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.30% p.a. (packaged) 2.40% p.a. (nonpackaged) 
2.81% p.a. (packaged) 3.24% p.a. (nonpackaged) 
2 Years 
2.30% p.a. (packaged) 2.40% p.a. (nonpackaged) 
2.80% p.a. (packaged) 3.17% p.a. (nonpackaged) 
3 Years 
2.40% p.a. (packaged) 2.50% p.a. (nonpackaged) 
2.82% p.a. (packaged) 3.12% p.a. (nonpackaged) 
5 Years 
2.75% p.a. (packaged) 2.85% p.a. (nonpackaged) 
2.96% p.a. (packaged) 3.15% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.30% p.a. (packaged) 2.40% p.a. (nonpackaged) 
Comparison rate^{^}

2.81% p.a. (packaged) 3.24% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.30% p.a. (packaged) 2.40% p.a. (nonpackaged) 
Comparison rate^{^}

2.80% p.a. (packaged) 3.17% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.40% p.a. (packaged) 2.50% p.a. (nonpackaged) 
Comparison rate^{^}

2.82% p.a. (packaged) 3.12% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

2.75% p.a. (packaged) 2.85% p.a. (nonpackaged) 
Comparison rate^{^}

2.96% p.a. (packaged) 3.15% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.65% p.a. (packaged) 2.75% p.a. (nonpackaged) 
2.74% p.a. (packaged) 3.18% p.a. (nonpackaged) 
2 Years  2.65% p.a. (packaged) 2.75% p.a. (nonpackaged) 
2.75% p.a. (packaged) 3.14% p.a. (nonpackaged) 
3 Years 
2.75% p.a. (packaged) 2.85% p.a. (nonpackaged) 
2.80% p.a. (packaged) 3.13% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.65% p.a. (packaged) 2.75% p.a. (nonpackaged) 
Comparison rate^{^}

2.74% p.a. (packaged) 3.18% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.65% p.a. (packaged) 2.75% p.a. (nonpackaged) 
Comparison rate^{^}

2.75% p.a. (packaged) 3.14% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.75% p.a. (packaged) 2.85% p.a. (nonpackaged) 
Comparison rate^{^}

2.80% p.a. (packaged) 3.13% p.a. (nonpackaged) 
Investors
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.39% p.a. (packaged) 2.49% p.a. (nonpackaged) 
2.99% p.a. (packaged) 3.43% p.a. (nonpackaged) 
2 Years 
2.29% p.a. (packaged) 2.39% p.a. (nonpackaged) 
2.96% p.a. (packaged) 3.33% p.a. (nonpackaged) 
3 Years 
2.39% p.a. (packaged) 2.49% p.a. (nonpackaged) 
2.96% p.a. (packaged) 3.27% p.a. (nonpackaged) 
5 Years 
2.69% p.a. (packaged) 2.79% p.a. (nonpackaged) 
3.05% p.a. (packaged) 3.25% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.39% p.a. (packaged) 2.49% p.a. (nonpackaged) 
Comparison rate^{^}

2.99% p.a. (packaged) 3.43% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.29% p.a. (packaged) 2.39% p.a. (nonpackaged) 
Comparison rate^{^}

2.96% p.a. (packaged) 3.33% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.39% p.a. (packaged) 2.49% p.a. (nonpackaged) 
Comparison rate^{^}

2.96% p.a. (packaged) 3.27% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

2.69% p.a. (packaged) 2.79% p.a. (nonpackaged) 
Comparison rate^{^}

3.05% p.a. (packaged) 3.25% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.80% p.a. (packaged) 2.90% p.a. (nonpackaged) 
3.12% p.a. (packaged) 3.55% p.a. (nonpackaged) 
2 Years 
2.80% p.a. (packaged) 2.90% p.a. (nonpackaged) 
3.13% p.a. (packaged) 3.50% p.a. (nonpackaged) 
3 Years 
2.90% p.a. (packaged) 3.00% p.a. (nonpackaged) 
3.16% p.a. (packaged) 3.47% p.a. (nonpackaged) 
5 Years 
3.25% p.a. (packaged) 3.35% p.a. (nonpackaged) 
3.33% p.a. (packaged) 3.53% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.80% p.a. (packaged) 2.90% p.a. (nonpackaged) 
Comparison rate^{^}

3.12% p.a. (packaged) 3.55% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.80% p.a. (packaged) 2.90% p.a. (nonpackaged) 
Comparison rate^{^}

3.13% p.a. (packaged) 3.50% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.90% p.a. (packaged) 3.00% p.a. (nonpackaged) 
Comparison rate^{^}

3.16% p.a. (packaged) 3.47% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

3.25% p.a. (packaged) 3.35% p.a. (nonpackaged) 
Comparison rate^{^}

3.33% p.a. (packaged) 3.53% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  2.59% p.a. (packaged) 2.69% p.a. (nonpackaged) 
3.00% p.a. (packaged) 3.44% p.a. (nonpackaged) 
2 Years 
2.49% p.a. (packaged) 2.59% p.a. (nonpackaged) 
2.97% p.a. (packaged) 3.36% p.a. (nonpackaged) 
3 Years 
2.59% p.a. (packaged) 2.69% p.a. (nonpackaged) 
2.98% p.a. (packaged) 3.32% p.a. (nonpackaged) 
5 Years 
2.89% p.a. (packaged) 2.99% p.a. (nonpackaged) 
3.07% p.a. (packaged) 3.33% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

2.59% p.a. (packaged) 2.69% p.a. (nonpackaged) 
Comparison rate^{^}

3.00% p.a. (packaged) 3.44% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

2.49% p.a. (packaged) 2.59% p.a. (nonpackaged) 
Comparison rate^{^}

2.97% p.a. (packaged) 3.36% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

2.59% p.a. (packaged) 2.69% p.a. (nonpackaged) 
Comparison rate^{^}

2.98% p.a. (packaged) 3.32% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

2.89% p.a. (packaged) 2.99% p.a. (nonpackaged) 
Comparison rate^{^}

3.07% p.a. (packaged) 3.33% p.a. (nonpackaged) 
Fixed rate term 
Interest rate^{#} 
Comparison rate^{^} 

1 Year  3.00% p.a. (packaged) 3.10% p.a. (nonpackaged) 
3.12% p.a. (packaged) 3.57% p.a. (nonpackaged) 
2 Years  3.00% p.a. (packaged) 3.10% p.a. (nonpackaged) 
3.14% p.a. (packaged) 3.53% p.a. (nonpackaged) 
3 Years 
3.10% p.a. (packaged) 3.20% p.a. (nonpackaged) 
3.18% p.a. (packaged) 3.52% p.a. (nonpackaged) 
5 Years 
3.45% p.a. (packaged) 3.55% p.a. (nonpackaged) 
3.35% p.a. (packaged) 3.60% p.a. (nonpackaged) 
Fixed rate term 
1 Year 

Interest rate^{#}

3.00% p.a. (packaged) 3.10% p.a. (nonpackaged) 
Comparison rate^{^}

3.12% p.a. (packaged) 3.57% p.a. (nonpackaged) 
Fixed rate term 
2 Years 
Interest rate^{#}

3.00% p.a. (packaged) 3.10% p.a. (nonpackaged) 
Comparison rate^{^}

3.14% p.a. (packaged) 3.53% p.a. (nonpackaged) 
Fixed rate term 
3 Years 
Interest rate^{#}

3.10% p.a. (packaged) 3.20% p.a. (nonpackaged) 
Comparison rate^{^}

3.18% p.a. (packaged) 3.52% p.a. (nonpackaged) 
Fixed rate term 
5 Years 
Interest rate^{#}

3.45% p.a. (packaged) 3.55% p.a. (nonpackaged) 
Comparison rate^{^}

3.35% p.a. (packaged) 3.60% p.a. (nonpackaged) 
How to apply
New customers
New HSBC Australia customers or existing customer who do not have online banking
Existing customers
Existing HSBC Australia customers with online banking
Terms & Conditions
^{~} Promotional offer available on new borrowings from $50,000. Excludes LVR above 80%. Variable interest rate is current as at 29 November 2021 and is subject to change. Maximum loan amount is $15,000,000.
^{^} The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparison rate is 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.
* Promotional offer available on new borrowings from $50,000. Package eligibility applies. Excludes LVR above 80%. Variable interest rate is current as at 29 November 2021 and is subject to change. Maximum loan amount is $15,000,000.
^{#} Available on borrowings from $50,000. Package eligibility applies. Excludes LVR above 80%. Interest rate is current as at 29 November 2021 and is subject to change. Reverts to HSBC’s Standard Variable Rate. Maximum loan amount is $15,000,000.
 To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on the first business day of the loan anniversary month. Excludes nonresident applications.
Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australian Credit Licence/AFSL 232595. Home Loan Terms and Personal Banking Booklet, fees and charges and lending criteria apply.