https://www.westpac.com.au/personal-banking/home-loans/all-interest-rates/:<br>Home loan interest rates | Westpac        Skip to main content Skip to main navigation  Skip to access and inclusion page Skip to search input Toggle menu here Menu Contact us Locate us Lost or stolen cards Register Online Banking – Personal Online Banking – Business Corporate Online Westpac Share Trading WinTrade View all online services Westpac home page     Search  Go Sign in Online Banking - Personal Online Banking - Business Corporate Online Westpac Share Trading Westpac Margin Lending WinTrade View all online services Sign in          Sign in Sign in All Sign in Online Banking - Personal Online Banking - Business Corporate Online Home Home Personal Personal All Personal Margin Lending Bank accounts Home loans Credit cards Personal loans International &amp; Travel Insurance Superannuation Investments Share Trading Westpac Private Bank Services Westpac Online Banking Ways to pay Business Business All Business Bank accounts Savings accounts Credit cards Loans and finance EFTPOS &amp; eCommerce Insurance for Businesses FX &amp; International Industry specific banking Online Banking for Business Help for your business Current offers Business Term Deposit Bank Guarantee Transaction accounts Business digital wallets Business setup help Corporate Corporate All Corporate Corporate &amp; institutional Transaction banking Financial markets ESG Corporate &amp; structured finance Trade &amp; supply chain finance Corporate Online Westpac IQ About us About us All About us Indigenous Westpac Group Investor Centre Media centre Westpac Wire Careers Sustainability Our Foundations Global locations Inclusion &amp; diversity  Innovation Help Help All Help Contact us Locate us Ways to bank Lost or stolen cards Frequently asked questions Life moments Community Indigenous &amp; Remote Banking Support with tough times Disaster help Security Master your money Making things right  Gambling Home loans Manage my loan Calculators Our loans and rates Refinance to Westpac Buy my first home Buy my next home Invest in property How to apply online Personal Home loans Check interest rates Home loan interest rates       Compare all our home loan interest rates Help me choose Use our selector to find the home loan that best fits. Let’s begin Extra options for your home loan Split your loan Split your&nbsp;home&nbsp;loan balance into a separate fixed rate account and variable rate account to get the best of both worlds. &nbsp; Package &amp; save Package your loan&nbsp;for a&nbsp;1.29% p.a home loan rate&nbsp;discount, no credit card annual fee and more, all&nbsp;for a $395 annual package fee#     Consider a construction option Renovating or building? This handy home loan option is structured around your build, with staged funding. &nbsp; Add an offset account Keep funds in an offset account linked to your Rocket Repay Home Loan to save&nbsp;on&nbsp;interest on your home loan balance and&nbsp;pay&nbsp;your&nbsp;loan down faster. &nbsp;  Split loan tip #3  Shift up to $30k in extra repayments between your split variable and fixed accounts. Pay less interest by simply moving these extra funds into whichever loan has the higher interest rate (a break cost1   Applying is simple, get started online 1. Apply for your home loan now Apply in around 10-20 mins, or save and come back later. Tell us about you and see how much you could borrow. And don't worry, we'll let you know before the credit check. Need help? You can live chat with us to help you complete the application. 2. Fast approval You could get unconditional refinance approval the same day you apply. Or conditional approval within 1 business day to help you confidently bid or make an offer for up to 90 days.&nbsp; 3.&nbsp;Discuss your rate and features with a lender A dedicated lender 4. On to settlement Your lender will finalise your loan through to settlement. Accept our loan offer, and that’s it. &nbsp;     Already started an application? Retrieve your application &nbsp;  Keep exploring home loans  Steps to buying a house Buying your first home Buying your next home Switching to Westpac Investing in property Managing your existing loan Learn about comparison rates  See how&nbsp;much you could borrow? Calculate your repayments Split loan calculator Next move calculator Refinance calculator Rate change calculator All calculators View all rates Things you should know  This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent, professional tax advice on any taxation matters before making a decision based on this information. Key Fact Sheet for Home Loans  Break costs on fixed loan prepayments and switching break cost interest rate  3 : if you have ‘available funds’ (you’ve made extra home loan repayments) and you’ve activated your redraw   ^  Special offers are only available on new Flexi First Option Home and Investment Loans with Principal &amp; Interest repayments. Discounts do not apply to internal refinances or switches within the Westpac Group, which includes refinances from Westpac, St.George, Bank of Melbourne, BankSA and RAMS. Not available to company and trust account holders. Offer may be varied or withdrawn at any time. Interest rates are subject to change: For a property to live in (Owner occupier): For an investment property: Flexi First Option special offer rates with Interest Only repayments&nbsp; Special offers are only available on new Flexi First Option Home and Investment Loans with Interest Only For a property to live in (Owner Occupier):&nbsp; Interest Only repayments For an investment property: ^^ Fixed Rate - Lock-In interest rate home loan interest rate &nbsp; If at any time before the end of a fixed rate period you switch to another product, interest rate (fixed or variable) or repayment type, then a break cost may apply.&nbsp; * The comparison rate is based on a loan of $150,000 over the term of 25 years.&nbsp;WARNING:  ** Available for Owner Occupier and Investment Property Loans with Principal &amp; Interest and Interest only repayments. Excludes Line of Credit, Equity Access Loans. + LVR&nbsp; loan-to-value ratio Home loan rates # &nbsp;Conditions of Use and $395 annual package fee applies. You must either hold or be approved for a Westpac Choice transaction account in order to qualify and continue to receive the benefits of the Premier Advantage Package. Applicants must have a Westpac Choice transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Before deciding to acquire a Westpac Choice account, read the&nbsp;terms and conditions    The output or result of this calculator:&nbsp; Is subject to the assumptions, which are subject to change.&nbsp; Is prepared without knowing your personal financial circumstances. Before you act on the output of this calculator, please consider if it’s right for you. If you need more information, please call 132 558 Doesn’t represent a quote or pre-qualification for a loan.&nbsp; Might not be taken into account if you apply for a loan with us, as we’ll make our own calculations. When assessing ability to service a loan, Westpac may use an interest rate that’s higher than the current interest rate for the loan you’ve requested.&nbsp;  The interest rates used in the calculator:&nbsp; Are current, as shown on our home loan interest rate pages&nbsp; Are Westpac's standard interest rates, and include any package or promotional discounts&nbsp;&nbsp; Are subject to change.  Feedback and complaints Contact us Careers Access and Inclusion Investor centre Westpac Group Security FAQs Privacy Website terms and conditions Terms and conditions Site index Modern Slavery Statement  Westpac Facebook Twitter YouTube Linkedin Instagram  For Westpac issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions Target Market Determinations  _satellite.pageBottom(); <br><br>https://www.nab.com.au/personal/interest-rates-fees-and-charges/home-loan-interest-rates:<br>Home loan interest rates | Fixed and variable interest rates - NAB                                                                                                                                                                                                                          Skip to login Skip to main content Search Search nab.com.au Search nab.com.au Personal  Business  Corporate  About us  Help  Latest offers Personal Business close notification  Notification: NAB Mobile Banking app  Get it from the app store  Update your browser. This website doesn&#39;t support your browser and may impact your experience. 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Book an appointment  Understanding our rates These are our current fixed and variable home loan interest rates for new loans for both owner occupiers Owner occupier An owner-occupier owns the home they live in which is used as their primary residence. They don’t rent out the home or use it for investment purposes.    Also see the current indicator rates (PDF, 53KB), opens in new window    a home loan expert uses to calculate our current interest rates. See our full list of home loan rates  Your interest rate will vary depending on a variety of factors. Choose from the options below to view the rates suitable to your situation. Remember to consider your loan to value ratio (LVR)  Variable rate Owner occupier Principal and interest Variable home loan interest rates For more information on comparison rates please refer to our important information below. NAB Base Variable Rate Home Loan Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan.   *  *  Principal and interest 6.84% p.a. 6.88% p.a.  Learn more about the NAB Base Variable Rate Home Loan * *  NAB Tailored Home Loan (Variable, Owner Occupier, Principal and Interest) Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 6.87% p.a. 60.01% - 70% 6.79% p.a. 6.87% p.a. 70.01% - 80% 6.99% p.a. 7.07% p.a. 80.01% or more 6.99% p.a. 7.07% p.a.  Learn more about the variable rate with offset NAB Tailored Home Loan *  Table of interest rates for different home loan amounts with a NAB Choice Package – Principal and Interest.   *  *   Loan amount of less than $250,000 *    8.17% p.a.  *    8.51% p.a.  Loan amount of between $250,000 and $749,000 *    7.92% p.a.  *    8.27% p.a.  Loan amount of $750,000 and above *    7.87% p.a.  *    8.22% p.a.   Learn more about the NAB Choice Package – Principal and Interest Interest only Variable home loan interest rates For more information on comparison rates please refer to our important information below. NAB Base Variable Rate Home Loan – Interest Only Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan.   *  *   *  *    7.94% p.a.  *    7.37% p.a.   Learn more about the NAB Base Variable Rate Home Loan * *  NAB Tailored Home Loan (Variable, Owner Occupier, Interest Only) Loan to Value Ratio (LVR) *  *  60% or less 7.26% p.a. 7.07% p.a. 60.01% - 70% 7.26% p.a. 7.07% p.a. 70.01% - 80% 7.46% p.a. 7.27% p.a. 80.01% or more 7.46% p.a. 7.27% p.a.  Learn more about the variable rate with offset NAB Tailored Home Loan *  Table of interest rates for different home loan amounts with a NAB Choice Package – Interest Only.   *  *   Loan amount of less than $250,000 *    8.74% p.a.  *    8.76% p.a.  Loan amount of between $250,000 and $749,000 *    8.49% p.a.  *    8.51% p.a.  Loan amount of $750,000 and above *    8.44% p.a.  *    8.46% p.a.   Learn more about the NAB Choice Package – Interest Only  Residential investor Principal and interest Variable home loan interest rates For more information on comparison rates please refer to our important information below. NAB Base Variable Rate Home Loan – Residential Investment Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan – Residential Investment.   *  *  Principal and interest 7.36% p.a. 7.41% p.a.  Learn more about the NAB Base Variable Rate Home Loan * *  NAB Tailored Home Loan (Variable, Residential Investor, Principal and Interest) Loan to Value Ratio (LVR) *  *  60% or less 7.09% p.a. 7.17% p.a. 60.01% - 70% 7.09% p.a. 7.17% p.a. 70.01% - 80% 7.29% p.a. 7.37% p.a. 80.01% or more 7.29% p.a. 7.37% p.a.  Learn more about the variable rate with offset NAB Tailored Home Loan *  Table of interest rates for different home loan amounts with a NAB Choice Package – Principal and Interest ---Residential Investors.   *  *   Loan amount of less than $250,000  *    8.77% p.a.  *    9.11% p.a.  Loan amount of between $250,000 and $749,000 *    8.52% p.a.  *    8.86% p.a.  Loan amount of $750,000 and above *    8.47% p.a.  *    8.81% p.a.   Learn more about the NAB Choice Package – Principal and Interest Interest only Variable home loan interest rates For more information on comparison rates please refer to our important information below. NAB Base Variable Rate Home Loan – Residential Investment – Interest Only Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan – Residential Investment.   *  *  *  8.27% p.a. 7.81% p.a.  Learn more about the NAB Base Variable Rate Home Loan * *  NAB Tailored Home Loan (Variable, Residential Investor, Interest Only) Loan to Value Ratio (LVR) *  *  60% or less 7.29% p.a. 7.26% p.a. 60.01% - 70% 7.29% p.a. 7.26% p.a. 70.01% - 80% 7.49% p.a. 7.46% p.a. 80.01% or more 7.49% p.a. 7.46% p.a.  Learn more about the variable rate with offset NAB Tailored Home Loan *    Table of interest rates for different home loan amounts with a NAB Choice Package – Interest Only – Residential Investment.   *  *   Loan amount of less than $250,000  *    9.07% p.a.  *    9.23% p.a.  Loan amount of between $250,000 and $749,000 *    8.82% p.a.  *    8.98% p.a.  Loan amount of $750,000 and above *    8.77% p.a.  *    8.93% p.a.   Learn more about the NAB Choice Package – Interest Only Fixed rate Owner occupier Principal and interest Fixed home loan interest rates For more information on comparison rates please refer to our important information below. * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.86% p.a. 60.01% - 70% 6.69% p.a. 6.86% p.a. 70.01% - 80% 6.74% p.a. 7.05% p.a. 80.01% or more 6.74% p.a. 7.05% p.a.  2-year fixed period 2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.59% p.a. 6.83% p.a. 60.01% - 70% 6.59% p.a. 6.83% p.a. 70.01% - 80% 6.64% p.a. 7.00% p.a. 80.01% or more 6.64% p.a. 7.00% p.a.  3-year fixed period 3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 5.99% p.a. 6.64% p.a. 60.01% - 70% 5.99% p.a. 6.64% p.a. 70.01% - 80% 6.04% p.a. 6.80% p.a. 80.01% or more 6.04% p.a. 6.80% p.a.  4-year fixed period 4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 6.86% p.a. 60.01% - 70% 6.74% p.a. 6.86% p.a. 70.01% - 80% 6.79% p.a. 7.00% p.a. 80.01% or more 6.79% p.a. 7.00% p.a.  5-year fixed period 5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 6.87% p.a. 60.01% - 70% 6.79% p.a. 6.87% p.a. 70.01% - 80% 6.84% p.a. 7.01% p.a. 80.01% or more 6.84% p.a. 7.01% p.a.  Learn more about the fixed rate NAB Tailored Home Loan *  Table of fixed interest rates for our NAB Choice Package – Principal and Interest.   *  *   1-year period *   6.69% p.a.  *   8.35% p.a.  2-year period *   6.59% p.a.  *   8.18% p.a.  3-year period *   5.99% p.a.  *   7.86% p.a.  4-year period *   6.74% p.a.  *   7.96% p.a.  5-year period *   6.79% p.a.  *   7.88% p.a.   Learn more about the NAB Choice Package – Principal and Interest Interest only Fixed home loan interest rates For more information on comparison rates please refer to our important information below. * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.89% p.a. 7.04% p.a. 60.01% - 70% 6.89% p.a. 7.04% p.a. 70.01% - 80% 6.94% p.a. 7.22% p.a. 80.01% or more 6.94% p.a. 7.22% p.a.  2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.84% p.a. 6.99% p.a. 60.01% - 70% 6.84% p.a. 6.99% p.a. 70.01% - 80% 6.89% p.a. 7.16% p.a. 80.01% or more 6.89% p.a. 7.16% p.a.  3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.84% p.a. 6.96% p.a. 60.01% - 70% 6.84% p.a. 6.96% p.a. 70.01% - 80% 6.89% p.a. 7.11% p.a. 80.01% or more 6.89% p.a. 7.11% p.a.  4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.89% p.a. 6.94% p.a. 60.01% - 70% 6.89% p.a. 6.94% p.a. 70.01% - 80% 6.94% p.a. 7.09% p.a. 80.01% or more 6.94% p.a. 7.09% p.a.  5-year fixed period 5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 7.09% p.a. 7.00% p.a. 60.01% - 70% 7.09% p.a. 7.00% p.a. 70.01% - 80% 7.14% p.a. 7.13% p.a. 80.01% or more 7.14% p.a. 7.13% p.a.  Learn more about the fixed rate NAB Tailored Home Loan * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 7.05% p.a. 60.01% - 70% 6.79% p.a. 7.05% p.a. 70.01% - 80% 6.84% p.a. 7.24% p.a. 80.01% or more 6.84% p.a. 7.24% p.a.  2-year fixed period 2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 7.02% p.a. 60.01% - 70% 6.74% p.a. 7.02% p.a. 70.01% - 80% 6.79% p.a. 7.20% p.a. 80.01% or more 6.79% p.a. 7.20% p.a.  3-year fixed period 3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 7.00% p.a. 60.01% - 70% 6.74% p.a. 7.00% p.a. 70.01% - 80% 6.79% p.a. 7.16% p.a. 80.01% or more 6.79% p.a. 7.16% p.a.  4-year fixed period 4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 7.00% p.a. 60.01% - 70% 6.79% p.a. 7.00% p.a. 70.01% - 80% 6.84% p.a. 7.15% p.a. 80.01% or more 6.84% p.a. 7.15% p.a.  5-year fixed period 5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.99% p.a. 7.07% p.a. 60.01% - 70% 6.99% p.a. 7.07% p.a. 70.01% - 80% 7.04% p.a. 7.21% p.a. 80.01% or more 7.04% p.a. 7.21% p.a.  Learn more about the fixed rate NAB Tailored Home Loan *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Arrears.   *  *   1-year period *   6.89% p.a.  *   8.56% p.a.  2-year period *   6.84% p.a.  *   8.36% p.a.  3-year period *   6.84% p.a.  *   8.19% p.a.  4-year period *   6.89% p.a.  *   8.06% p.a.  5-year period *   7.09% p.a.  *   8.01% p.a.   Learn more about the NAB Choice Package – Interest Only in Arrears *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance.   *  *   1-year period *   6.79% p.a.  *   8.58% p.a.  2-year period *   6.74% p.a.  *   8.41% p.a.  3-year period *   6.74% p.a.  *   8.25% p.a.  4-year period *   6.79% p.a.  *   8.13% p.a.  5-year period *   6.99% p.a.  *   8.10% p.a.   Learn more about the NAB Choice Package – Interest Only in Advance – Share Investment NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers. Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest only in Arrears   *   1-year period *   7.04% p.a.  2-year period *   6.94% p.a.  3-year period *   6.94% p.a.  4-year period *   7.14% p.a.  5-year period *   7.19% p.a.   Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers. Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment.   *   1-year period *   6.94% p.a.  2-year period *   6.84% p.a.  3-year period *   6.84% p.a.  4-year period *   7.04% p.a.  5-year period *   7.09% p.a.   Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment Residential investor Principal and interest Fixed home loan interest rates For more information on comparison rates please refer to our important information below. * *  1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.84% p.a. 7.15% p.a. 60.01% - 70% 6.84% p.a. 7.15% p.a. 70.01% - 80% 6.89% p.a. 7.33% p.a. 80.01% or more 6.89% p.a. 7.33% p.a.  2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 7.10% p.a. 60.01% - 70% 6.74% p.a. 7.10% p.a. 70.01% - 80% 6.79% p.a. 7.27% p.a. 80.01% or more 6.79% p.a. 7.27% p.a.  3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 7.07% p.a. 60.01% - 70% 6.74% p.a. 7.07% p.a. 70.01% - 80% 6.79% p.a. 7.23% p.a. 80.01% or more 6.79% p.a. 7.23% p.a.  4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.84% p.a. 7.08% p.a. 60.01% - 70% 6.84% p.a. 7.08% p.a. 70.01% - 80% 6.89% p.a. 7.22% p.a. 80.01% or more 6.89% p.a. 7.22% p.a.  5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.89% p.a. 7.08% p.a. 60.01% - 70% 6.89% p.a. 7.08% p.a. 70.01% - 80% 6.94% p.a. 7.21% p.a. 80.01% or more 6.94% p.a. 7.21% p.a.  Learn more about the fixed rate NAB Tailored Home Loan *  Table of interest rates for different home loans with a NAB Choice Package – Principal and Interest – Residential Investment.   *  *   1-year period *   6.84% p.a.  *   8.89% p.a.  2-year period *   6.74% p.a.  *   8.67% p.a.  3-year period *   6.74% p.a.  *   8.48% p.a.  4-year period *   6.84% p.a.  *   8.36% p.a.  5-year period *   6.89% p.a.  *   8.24% p.a.   Learn more about the NAB Choice Package – Principal and Interest – Residential Investment Interest only Fixed home loan interest rates For more information on comparison rates please refer to our important information below. * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.94% p.a. 7.22% p.a. 60.01% - 70% 6.94% p.a. 7.22% p.a. 70.01% - 80% 6.99% p.a. 7.40% p.a. 80.01% or more 6.99% p.a. 7.40% p.a.  2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.84% p.a. 7.17% p.a. 60.01% - 70% 6.84% p.a. 7.17% p.a. 70.01% - 80% 6.89% p.a. 7.34% p.a. 80.01% or more 6.89% p.a. 7.34% p.a.  3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.84% p.a. 7.13% p.a. 60.01% - 70% 6.84% p.a. 7.13% p.a. 70.01% - 80% 6.89% p.a. 7.29% p.a. 80.01% or more 6.89% p.a. 7.29% p.a.  4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 7.04% p.a. 7.16% p.a. 60.01% - 70% 7.04% p.a. 7.16% p.a. 70.01% - 80% 7.09% p.a. 7.31% p.a. 80.01% or more 7.09% p.a. 7.31% p.a.  5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 7.09% p.a. 7.17% p.a. 60.01% - 70% 7.09% p.a. 7.17% p.a. 70.01% - 80% 7.14% p.a. 7.30% p.a. 80.01% or more 7.14% p.a. 7.30% p.a.  Learn more about the fixed rate NAB Tailored Home Loan * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.84% p.a. 7.24% p.a. 60.01% - 70% 6.84% p.a. 7.24% p.a. 70.01% - 80% 6.89% p.a. 7.42% p.a. 80.01% or more 6.89% p.a. 7.42% p.a.  2-year fixed period 2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 7.20% p.a. 60.01% - 70% 6.74% p.a. 7.20% p.a. 70.01% - 80% 6.79% p.a. 7.37% p.a. 80.01% or more 6.79% p.a. 7.37% p.a.  3-year fixed period 3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 7.18% p.a. 60.01% - 70% 6.74% p.a. 7.18% p.a. 70.01% - 80% 6.79% p.a. 7.33% p.a. 80.01% or more 6.79% p.a. 7.33% p.a.  4-year fixed period 4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.94% p.a. 7.23% p.a. 60.01% - 70% 6.94% p.a. 7.23% p.a. 70.01% - 80% 6.99% p.a. 7.38% p.a. 80.01% or more 6.99% p.a. 7.38% p.a.  5-year fixed period 5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.99% p.a. 7.29% p.a. 60.01% - 70% 6.99% p.a. 7.29% p.a. 70.01% - 80% 7.04% p.a. 7.43% p.a. 80.01% or more 7.04% p.a. 7.43% p.a.  Learn more about the fixed rate NAB Tailored Home Loan * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 7.05% p.a. 60.01% - 70% 6.79% p.a. 7.05% p.a. 70.01% - 80% 6.84% p.a. 7.24% p.a. 80.01% or more 6.84% p.a. 7.24% p.a.  2-year fixed period 2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 7.02% p.a. 60.01% - 70% 6.74% p.a. 7.02% p.a. 70.01% - 80% 6.79% p.a. 7.20% p.a. 80.01% or more 6.79% p.a. 7.20% p.a.  3-year fixed period 3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.74% p.a. 7.00% p.a. 60.01% - 70% 6.74% p.a. 7.00% p.a. 70.01% - 80% 6.79% p.a. 7.16% p.a. 80.01% or more 6.79% p.a. 7.16% p.a.  4-year fixed period 4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 7.00% p.a. 60.01% - 70% 6.79% p.a. 7.00% p.a. 70.01% - 80% 6.84% p.a. 7.15% p.a. 80.01% or more 6.84% p.a. 7.15% p.a.  5-year fixed period 5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.99% p.a. 7.07% p.a. 60.01% - 70% 6.99% p.a. 7.07% p.a. 70.01% - 80% 7.04% p.a. 7.21% p.a. 80.01% or more 7.04% p.a. 7.21% p.a.  Learn more about the fixed rate NAB Tailored Home Loan *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Arrears – Residential Investment.   *  *   1-year period *   6.94% p.a.  *   8.99% p.a.  2-year period *   6.84% p.a.  *   8.76% p.a.  3-year period *   6.84% p.a.  *   8.56% p.a.  4-year period *   7.04% p.a.  *   8.46% p.a.  5-year period *   7.09% p.a.  *   8.33% p.a.   Learn more about the NAB Choice Package – Interest Only in Arrears – Residential Investment *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance – Residential Investment.   *  *   1-year period *   6.84% p.a.  *   9.02% p.a.  2-year period *   6.74% p.a.  *   8.81% p.a.  3-year period *   6.74% p.a.  *   8.63% p.a.  4-year period *   6.94% p.a.  *   8.54% p.a.  5-year period *   6.99% p.a.  *   8.43% p.a.   Learn more about the NAB Choice Package – Interest Only in Advance – Residential Investment *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance – Share Investment   *  *   1-year period *   6.79% p.a.  *   8.58% p.a.  2-year period *   6.74% p.a.  *   8.41% p.a.  3-year period *   6.74% p.a.  *   8.25% p.a.  4-year period *   6.79% p.a.  *   8.13% p.a.  5-year period *   6.99% p.a.  *   8.10% p.a.   Learn more about the NAB Choice Package – Interest Only in Advance – Share Investment NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers. Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest only in Arrears   *   1-year period *   7.04% p.a.  2-year period *   6.94% p.a.  3-year period *   6.94% p.a.  4-year period *   7.14% p.a.  5-year period *   7.19% p.a.   Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers. Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment.   *   1-year period *   6.94% p.a.  2-year period *   6.84% p.a.  3-year period *   6.84% p.a.  4-year period *   7.04% p.a.  5-year period *   7.09% p.a.   Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment  Speak to a home loan expert Request a call back or book an appointment to speak with one of our experts via phone, video or face-to-face. Book an appointment  Access credit for specific purposes with one of our flexible lines of credit. Show rates NAB FlexiPlus Mortgage Facility  A table of interest rates for the NAB Flexiplus Mortgage Facility.   *  FlexiPlus Mortgage 9.86% p.a. FlexiPlus Mortgage – Choice Package 9.71% p.a.  Learn more about the NAB FlexiPlus Mortgage Facility Hide rates Show rates NAB Portfolio Facility or NAB Private Portfolio Facility – variable rate  The variable rates for our portfolio facility will depend on the loan amount. This type of credit is no longer available to personal banking customers. A table of interest rates for the NAB Portfolio Facility or NAB Private Portfolio Facility. Loan amount *  Between $250,000 and $499,999 9.28% p.a. Between $500,000 and $999,999 9.18% p.a. $1,000,000 and above 9.08% p.a.  Learn more about the NAB Portfolio Facility Hide rates  Help and support Get the most out of your NAB home loan and discover popular help and support tasks. Manage your NAB home loan  Set up or change home loan repayments Estimate your home loan repayments Find out how investing in property can help you build wealth.  A home renovation can help you increase equity or meet life’s changing needs.  Thinking about buying a house or freeing up equity? We can help make it happen.  Tools and calculators No matter what your situation – whether you’re buying your first home or investing in a new property – we have a variety of tools and calculators to help you get organised.  We’ll help you find a home loan that suits your needs.  Get an estimate of how much you can afford to borrow for your home.  Compare your loan amount with other factors to estimate your loan repayments.  See all home loan calculators  How we define some important words You might also call it a glossary, definitions or a list of important words and phrases. Either way, this section helps you make sense of our interest rates. Advertised (indicator) rate Refers to a rate used as a base for calculating an interest rate being described in our loan contracts as our “advertised” rate. Interest rate Refers to the interest rate charged on individual loan products. The interest rates shown here are our current standard rates and don’t include special rates you might be eligible for. The interest rate is the advertised indicator rate for the home loan plus or minus any margins. Comparison rate Refers to a single figure that includes our current standard interest rate for the loan plus certain standard fees and charges (not all fees and charges are included). This is to help you compare the cost of loans. Residential investment This includes purchasing, refinancing or renovating a residential investment property.   This is how you can get in touch.  Log into either NAB Internet Banking or the NAB app. Tap on the message Type ‘speak to a person’ in the conversation window.  Speak to a home loan expert about a new or existing home loan. Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT) 13 78 79  Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back. Book an appointment  Important Information Terms and Conditions  Other important information Annual package fee applies for NAB Choice Package (currently $395). Choice Package discounts and benefits only apply whilst your loan is part of a NAB Choice Package. When you apply for the NAB Choice Package, you must include in the package a minimum of $150,000 in eligible lending products (which are existing or approved lending). View our NAB Choice Package Terms and Conditions (PDF, 143KB), opens in new window   . 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Close mobile menu     Personal  Home loans   Home loans Whether you’re buying, renovating or refinancing, we have a range of options that could help you save and tools to assist you to stay on top of your home loan repayments, including:  A discounted home loan rate, personalised to you for the life of the loandisclaimer   $2,000 cashback when you switch an eligible loan of $250k+ and 80% or less LVR to ANZdisclaimer   $0 ANZ set up or ongoing feesdisclaimer  &nbsp; Request call back Get in touch another way&nbsp;  &nbsp;        $3,000 bonus for first home buyers If you're buying your first home, you could get $3,000 to spend however you like, plus support from an ANZ First Home Coach. Available to eligible first home buyers with an ANZ home loan of $250,000 or more. Drawdown within 180 days of applying, bonus paid after settlement. 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Find out sales and rental history, property price range estimates and suburb insights.  &nbsp; Get your property report  Explore more  Estimate my borrowing power&nbsp;&nbsp;   Estimate home loan repayments&nbsp;&nbsp;   See home loan interest rates and offers&nbsp;&nbsp;   Use all calculators and tools&nbsp;&nbsp;   Interest only repayments &nbsp;  Compare all home loans&nbsp;&nbsp;  Start your investment journey in under 5 minutes Ready to buy your first or next investment? Take the next step in your journey by providing details about: You Your financial situation The loan you're applying for One of our home loan specialists will get in touch to progress with your investment application.  Call back time is 1-3 business days. Apply online Get in touch another way       Manage your home loan Already an ANZ home loan customer? Experience the ease and flexibility of managing your loan to suit your needs. 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Call 1800 100 641   Make an appointment Discuss your loan needs with one of our home loan specialists over the phone or at your nearest branch. Book an appointment   ANZ Mobile Lendersdisclaimer  Our mobile lenders are ANZ Home Loan Specialists who can meet wherever and whenever suits you best. Find an ANZ Mobile Lender   Talk to a broker Reach out to an ANZ accredited broker for help with your home buying, investing or refinancing needs.  Whether you're house hunting and seeking pre-approval, or you’ve found the right property and want to apply for a home loan, get started today. Tell us a bit about: yourself your financial situation what you're applying for (e.g. pre-approval, a new home loan or refinancing to ANZ) Apply online now  Things you should know This form gives us a snapshot of your loan needs Completing the form doesn’t affect your credit score We’ll call you back within 48 hours to keep your application moving     Use our borrowing power calculator   Generally, the more you have as a home deposit, the less you’ll need to borrow and the lower your monthly repayments. Find out how much you really need for a house deposit.&nbsp;If you already own a property, you might want to consider using the equity you’ve built up in that property to help with your deposit. Find out more   According to Moneysmart   A rate that helps you work out the true cost of a loan. This rate takes other fees and charges into account, like a loan approval fee and loan administration charge in addition to the interest rate. It’s meant to be a fairer way of comparing how much a loan will cost you. For more information visit&nbsp;Moneysmart    When you refinance a home loan, it means taking out a new home loan to replace your current home loan. Your current home loan is paid out by the new loan and you make repayments towards the new loan. Read more    LVR stands for 'Loan to Value Ratio  LVR is important because it may affect your borrowing power. Generally, the lower the LVR the better, as it carries less risk for the lender. If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender - ANZ, not you - if you default on your home loan and there’s a shortfall following the sale of the property. Generally speaking the higher your LVR, the more LMI will cost. Learn more about ANZ LMI with our&nbsp;Key Fact Sheet (PDF)&nbsp; &nbsp;or read our article on&nbsp;Lenders Mortgage Insurance *Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.   A fixed interest rate home loan is one where your interest rate is locked in (i.e. fixed) for a certain period, typically between one and ten years. During the time your interest rate is fixed, both your interest rate and your required repayments won’t change. Generally, at the end of the fixed term your loan will roll over to a variable rate, unless you choose to repeat the process (if eligible). A variable interest rate home loan, on the other hand, can change at any time. Lenders may increase or decrease the interest rate attached to the loan. The interest rate may change in response to decisions made by the Reserve Bank of Australia, as well as other factors. Your required minimum repayment amount will increase if interest rates go up, and decrease if interest rates fall.&nbsp;Read more   There are many ways to apply for an ANZ home loan. You can visit an ANZ Branch, contact an ANZ Mobile Lender or ANZ accredited broker, or request a callback from one of our home loan specialists. And in under 5 minutes, you can also get your application started for pre-approval, a new home loan, refinancing, or topping up your existing home loan.&nbsp;Read more    If you choose interest only, the minimum payment amount on your loan will be lower during the interest only period because you are not required to repay any of the loan principal. You will have to repay the principal down the track and so you may end up paying more over the life of your loan. There may be additional restrictions on the amount you can borrow or loan type you can select if you choose to pay interest only. Choosing to repay principal and interest means that, with each repayment, you're paying off interest charges as well as some of the loan principal. Learn more about payment types    Fixed home loan rates Variable home loan rates redraw offset account As both fixed and variable rate loans have pros and cons, split loans ANZ Standard Variable Loan You can split your loan    A comparison rate is designed to help you work out the total cost of a home loan by building the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers.&nbsp; You can use comparison rates to help you compare the cost of different home loans with similar features. When deciding which home loan is right for you, it’s important to think about what features each home loan offers, and how much these matter to you. Keep in mind that you may not necessarily pay the comparison rate that is advertised for your loan type.&nbsp; This is because, for example, you may not pay all the fees and charges which the comparison rate includes.  Important information  Interest rates shown on this page are current as at   The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions Product Disclosure Statement ANZ Financial Services Guide (PDF)  Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.&nbsp;Australian credit licence number 234527. ANZ Buy Ready™ is a trade mark of ANZ.  For ANZ Standard Variable rates the applicable discount from the index rate is 1.20% p.a. for loans with a Loan to Value Ratio (LVR) of greater than 80% and 1.40% p.a. for loans with a LVR 80% or less. Further discounts may be available on standard variable rate loans dependent on your LVR which is determined by the size of your deposit or equity position. Equity in your home is calculated as the difference between the value of your home and the amount you have left to pay on your home loan at the time the calculation is performed. Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.&nbsp;Eligibility&nbsp;criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including&nbsp;$50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.  Offer can be withdrawn at any time. Limit of one cashback within any 12 month period. Offer is $2,000 cashback with 80.00% LVR or less, loans with LVR above 80% are not eligible for cashback. Paid within 60 days to an eligible ANZ account. You must drawdown the Eligible ANZ Home Loan(s) within 120 days from applying. Excludes all internal refinances and switches within ANZ Group which includes Suncorp Bank and ANZ Plus. See the full&nbsp;Terms and Conditions (PDF)   Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.  Offer can be withdrawn at any time. Maximum one bonus per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. To be eligible to receive the bonus First Home Buyers must hold an ANZ Access Advantage, ANZ Plus or ANZ One offset account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. See the full Terms and Conditions (PDF)   Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.  ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.  Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only. 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.  For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.  The interest rate shown includes an interest rate discount from the index rate. For ANZ Standard Variable, this discount is&nbsp;      Interest rates shown on this page are current as at  ANZ Personal Banking Account Fees and Charges (PDF) ANZ Personal Banking General Fees and Charges (PDF)   Terms and Conditions ANZ Consumer Lending Terms and Conditions (PDF)   The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.  The rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.&nbsp;  Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.&nbsp;  The fixed rate is set on the day the loan is drawn down. If you want to lock in a rate prior to drawdown, you can ask ANZ about options for locking in a fixed rate before settlement on eligible loans. A fee of $750 per $1 million of lending (or part thereof) applies. Available for fixed rate loans with terms of 1-5 years. Terms and Conditions available on application.  For ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost.&nbsp; An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large.&nbsp;Terms and Conditions ANZ Consumer Lending Terms and Conditions (PDF) ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF) &nbsp;1800 100 641   Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.           Facebook    LinkedIn    Youtube      Instagram       © Australia and New Zealand Banking Group Limited (ANZ)   ABN 11 005 357 522. Top         _satellite.pageBottom();    <br><br>https://www.commbank.com.au/home-loans/interest-rates.html:<br>Interest Rates -  Home Loan Interest Rates - CommBank       window.CQ = window.CQ || {}             Skip to main content  Skip to log on  Skip to search  Accessibility at CommBank   Banking Home loans Insurance Investing &amp; super Business Institutional CommBank Yello   Log on     Banking Home loans Insurance Investing &amp; super Business Institutional CommBank Yello Locate us Help &amp; support CommBank Search. Dialog start.  Search CommBank. Start typing…   Popular searches Travel insurance  Foreign exchange calculator  Discharge/ Refinance authority form  Activate a CommBank card  Cardless cash  Interest rates &amp; fees  Help &amp; support Locate us Contact us Interest rates See at a glance our fixed and variable rate home loans, whether you’re an Owner Occupier or Investor and are paying Principal and Interest or Interest Only. Find out more about our Digi Home Loan    Book appointment Apply online Choose a home loan that’s right for you  My loan is for A home Investment Estimated Property Value      clear text I want to Buy a property Refinance Loan Amount  clear text    I&#39;ll pay back Principal &amp; Interest Interest Only  Loan to Value Ratio (LVR) does not impact Fixed Rate. All other rates have been updated in line with your #_LVR_VALUE_#% improve with a lower LVR.  Show Wealth Package on Standard Variable Rate and Fixed Rate products Enjoy discounts on eligible home loans and a fee waiver on one eligible credit card per package, in exchange for an annual fee. Wealth Package rates require a minimum initial package lending balance of $150,000. Standard Variable Rate 1 year 2 years 3 years 4 years 5 years A variable rate with discounts tailored to you, plus access to offset and an extensive range of features.2  Tell me more Interest Rate^  p.a. Comparison Rate*  p.a. Repayments Payments $  monthly fortnightly weekly Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest. Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only. Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change. Minimum loan amount $10,000 Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package and/or Loan amount and/or Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount   What you'll get Wealth Package 1  Link multiple offsets Unlimited additional repayments Unlimited redraws Access features like top ups Option to split loan Eligible for interest rate reductions What you'll get Link multiple offsets Unlimited additional repayments Unlimited redraws Access features like top ups Option to split loan Eligible for interest rate reductions  Trade-offs Not protected from interest rate increases Trade-offs No Wealth Package Not protected from interest rate increases  Fees $#_KEY_PACKAGE_FEE_# annual Wealth Package fee Additional fees Fees $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee Additional fees Tell me more  Apply Now 1 year 2 years 3 years 4 years 5 years Extra Home Loan 1 year 2 years 3 years 4 years 5 years A home loan with a variable interest rate and low fees.2  Tell me more Interest Rate^  p.a. Comparison Rate*  p.a. Repayments Payments $  monthly fortnightly weekly Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest. Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only. Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change. Minimum loan amount $10,000 and/or Loan amount and/or Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount   What you'll get A simple variable rate with low fees without the need for a Wealth Package Unlimited additional repayments Unlimited redraws Access features like top ups Option to split loan Eligible for interest rate reductions Trade-offs No offset account No Wealth Package  Not protected from interest rate increases Not available to company or trust borrowers  Trade-offs No offset No Wealth Package  Not protected from interest rate increases Not available to company or trust borrowers Tell me more  Fees $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee Additional fees and/or Loan amount Tell me more  Apply Now 1 year 2 years 3 years 4 years 5 years Fixed Rate 1 year 2 years 3 years 4 years 5 years Always know what your repayments will be with a locked-in rate.3  Tell me more Interest Rate^  p.a. Comparison Rate*  p.a. Repayments Payments $  monthly fortnightly weekly Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest. Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only. Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change. Minimum loan amount $10,000 Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package and/or Loan amount and/or Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount   What you’ll get Wealth Package 1  Protected from interest rate increases during fixed term Option to lock in the reference interest rate with the Rate Lock feature at a fee of $750 – learn more about Rate Lock Additional repayments up to $10k in a fixed year without incurring additional charges Option to split loan What you'll get Protected from interest rate increases during fixed term Option to lock in the reference interest rate with the Rate Lock feature at a fee of $750 – learn more about Rate Lock Additional repayments up to $10k in a fixed year without incurring additional charges Option to split loan  Trade-offs  No offset  account No redraw Rate drops won’t apply to this loan during fixed term No access to features like top ups Charges Trade-offs   No offset  No Wealth Package  No redraw  Rate drops won’t apply to this loan during fixed term No access to features like top ups  Charges   Fees $#_KEY_PACKAGE_FEE_# annual Wealth Package fee $750 fee applies if you rate lock ~  Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term Additional fees Fees $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee $750 fee applies if you ratelock ~  learn more about rate lock Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan Additional fees Tell me more  Apply Now 1 year 2 years 3 years 4 years 5 years Digi Home Loan 1 year 2 years 3 years 4 years 5 years A digital home loan with a low variable rate. Only available online and for customers refinancing their home loan from another financial institution. Tell me more Interest Rate^  p.a. Comparison Rate*  p.a. Repayments Payments $  monthly fortnightly weekly Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest. Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only. Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change. Minimum loan amount $100,000 Estimated property value Loan amount Estimated property value Loan amount and/or Loan amount and/or Loan amount   What you'll get A low variable rate  Monthly cashback for eligible CommBank Yello customers  Unlimited additional repayments Unlimited redraws Eligible for interest rate reductions  Trade-offs No offset No Wealth Package Not protected from interest rate increases Not available to company or trust borrowers Fees may apply for phone or in branch support for some transactions  Fees $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee (monthly cashback for eligible CommBank Yello customers) Additional fees Tell me more  Apply Now 1 year 2 years 3 years 4 years 5 years &nbsp;  &nbsp; ^Available for new borrowings only. Comparison rate warning Download home loan interest rates (PDF)  Understand how much you could borrow in just a couple of minutes. Calculate now Access market and property insights and ongoing support with a CommBank lender. Find out more about property reports Turn your borrowing power into conditional approval so you can house hunt or refinance with confidence. Book appointment Find personalised rates and discounts when you switch or fix your home loan View all available rates when you log onto NetBank , In the CommBank app, go to your home loan, tap ‘Manage loan’ then select ‘Change your loan’ Some home loan types can’t be changed in NetBank, such as Interest Only. Call 13 2224 Change in NetBank Check your home loan Split your loan You can also split your home loan and enjoy the best of fixed and variable. More about splitting your home loan Split in NetBank Check your current rate To check your interest rate, log into NetBank CommBank app CommBank app: Log into the app Tap 'Accounts' and then 'Home Loan' Tap the 'Manage button' NetBank: Log on to NetBank Click on the Home Loan tab Click on 'Rate and info' Check your home loan  Calculators How much can I borrow? Stamp duty calculator Home loan repayments calculator Refinance calculator View more calculators Property guides Investing in property  Refinancing your home Buying your first property Buying your next property Renovating your home $500 off conveyancing with Home-in Exclusive savings on fast and reliable nbn mobile Get discounted sustainable energy thanks to Amber Access to more exclusive offers and discounts Home buying support for business owners Self-employed business owner? Achieve your property goals with the help of our lending specialists. Learn more  Say hello to CommBank Yello! Be rewarded as part of CommBank Yello   Message us 24/7 Get help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app Message us  Was the information on this page useful? Yes No Thanks for your feedback. Have a suggestion? Please help us improve  Book an appointment Book instantly to speak to a Home Loan Specialist at a time that suits you.  Manage your loan online Redraw, change your repayments or loan type to better meet your needs and more. Contact us Fast-track your call, see expected wait times and connect with a specialist in the CommBank app. Message us Get instant help from our virtual assistant or chat to a specialist. Please refer to our Home Loan Fact Sheets See rates for products no longer offered (PDF) 1 Wealth Package Fact Sheet Package Terms and Conditions 2 here 3 # Information provided (including interest rates) are subject to change. Calculations are estimates provided as a guide only. They assume interest rates don’t change over the life of the loan and are calculated on the rate that applies for the initial period of the loan. Interest rates referenced are current rates and may change at any time. Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as establishment or monthly service fees or stamp duty). Lenders' Mortgage Insurance or a Low Deposit Premium may apply to your loan depending on the size of your deposit; security, applicant and loan attributes. This is a one-off cost and will be added to the loan amount. Any of these additional amounts will increase repayments under the loan. We have different rates that apply, depending on whether you are making interest only payments or principal and interest repayments. During an interest only period, your interest only payments won't reduce your loan balance. At the end of an interest only period, your repayments will increase to cover principal and interest components. Rates are subject to change. Applications are subject to normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. *  Back to top  QUICK LINKS ABOUT US IMPORTANT INFORMATION    CommBank acknowledges the Traditional Owners    &copy;2024 Commonwealth Bank         <br><br>
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