Rates & fees | Virgin Money Australia

Virgin Money Home Loans

We make it clear and simple so you don’t feel like you’re missing out on a better deal. And we’ll even discount your interest rate based on the size of your home loan and loan-to-value ratio.

Interest Rates

Important: Information contained in this section relates to the Virgin Money Reward Me Home Loan only. At Virgin Money we offer interest rates based on loan amount & loan-to-value ratio.

Reward Me Variable Rate Home Loan

Our Reward Me Variable Rate Home Loan offers competitive interest rates and extra flexibility with the ability to redraw and make unlimited additional repayments.

Owner Occupied

Interest rates shown are for total borrowings less than $500,000 on an owner occupied loan with the Reward Me Variable Rate Home Loan.

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.44%
6.58%
60.01% to 80% 6.44%
6.58%
80.01% to 90% 6.94% 7.08%
Over 90% 8.87% 9.01%
INTEREST ONLY

Less than or equal to 60% 7.19% 6.92%
60.01% to 80% 7.19% 6.92%

Loan to Value Ratio (LVR)	Interest Rate (p.a.)⁺	Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60%	6.44%	6.58%
60.01% to 80%	6.44%	6.58%
80.01% to 90%	6.94%	7.08%
Over 90%	8.87%	9.01%
INTEREST ONLY
Less than or equal to 60%	7.19%	6.92%
60.01% to 80%	7.19%	6.92%

Interest rates shown are for total borrowings between $500,000 and less than $750,000 on an owner occupied loan with the Reward Me Variable Rate Home Loan.

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.44%
6.58%
60.01% to 80% 6.44%
6.58%
80.01% to 90% 6.94% 7.08%
Over 90% 8.87% 9.01%
INTEREST ONLY

Less than or equal to 60% 7.19% 6.92%
60.01% to 80% 7.19% 6.92%

Loan to Value Ratio (LVR)	Interest Rate (p.a.)⁺	Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60%	6.44%	6.58%
60.01% to 80%	6.44%	6.58%
80.01% to 90%	6.94%	7.08%
Over 90%	8.87%	9.01%
INTEREST ONLY
Less than or equal to 60%	7.19%	6.92%
60.01% to 80%	7.19%	6.92%

Interest rates shown are for total borrowings over $750,000 on an owner occupied loan with the Reward Me Variable Rate Home Loan.

Loan to Value Ratio (LVR)	Interest Rate (p.a.)⁺	Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60%	6.44%	6.58%
60.01% to 80%	6.44%	6.58%
80.01% to 90%	6.94%	7.08%
Over 90%	8.87%	9.01%
INTEREST ONLY
Less than or equal to 60%	7.19%	6.92%
60.01% to 80%	7.19%	6.92%

Investment

Interest rates shown are for total borrowings less than $500,000 on an investment loan with the Reward Me Variable Rate Home Loan.

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.59% 6.73%
60.01% to 80% 6.59% 6.73%
80.01% to 90% 7.34% 7.48%
INTEREST ONLY

Less than or equal to 60% 6.79% 6.82%
60.01% to 80% 6.79% 6.82%
80.01% to 90% 7.34% 7.48%

Loan to Value Ratio (LVR)	Interest Rate (p.a.)⁺	Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60%	6.59%	6.73%
60.01% to 80%	6.59%	6.73%
80.01% to 90%	7.34%	7.48%
INTEREST ONLY
Less than or equal to 60%	6.79%	6.82%
60.01% to 80%	6.79%	6.82%
80.01% to 90%	7.34%	7.48%

Interest rates shown are for total borrowings between $500,000 and less than $750,000 on an investment loan with the Reward Me Variable Rate Home Loan.

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.59% 6.73%
60.01% to 80% 6.59% 6.73%
80.01% to 90% 7.34% 7.48%
INTEREST ONLY

Less than or equal to 60% 6.79% 6.82%
60.01% to 80% 6.79% 6.82%
80.01% to 90% 7.34% 7.48%

Loan to Value Ratio (LVR)	Interest Rate (p.a.)⁺	Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60%	6.59%	6.73%
60.01% to 80%	6.59%	6.73%
80.01% to 90%	7.34%	7.48%
INTEREST ONLY
Less than or equal to 60%	6.79%	6.82%
60.01% to 80%	6.79%	6.82%
80.01% to 90%	7.34%	7.48%

Interest rates shown are for total borrowings over $750,000 on an investment loan with the Reward Me Variable Rate Home Loan.

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.59% 6.73%
60.01% to 80% 6.59% 6.73%
80.01% to 90% 7.34% 7.48%
INTEREST ONLY

Less than or equal to 60% 6.79% 6.82%
60.01% to 80% 6.79% 6.82%
80.01% to 90% 7.34% 7.48%

Loan to Value Ratio (LVR)	Interest Rate (p.a.)⁺	Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60%	6.59%	6.73%
60.01% to 80%	6.59%	6.73%
80.01% to 90%	7.34%	7.48%
INTEREST ONLY
Less than or equal to 60%	6.79%	6.82%
60.01% to 80%	6.79%	6.82%
80.01% to 90%	7.34%	7.48%

Reward Me Fixed Rate Home Loan

Our Reward Me Fixed Rate Home Loan offers competitive interest rates that you can lock in for repayment certainty.

Owner Occupied

Interest rates shown are for a Principal and Interest (up to 90% LVR) owner occupied loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed
7.79%

6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR).

6.69% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).

6.86%

6.64%

6.63%

3 year Fixed
7.92%

6.54% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.49% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.02%

6.61%

6.60%

4 year Fixed
7.83%

6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%- 80% LVR)

6.69% special^{^}(for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.11%

6.70%

6.68%

5 year Fixed
8.10%

6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.34%

6.74%

6.72%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	7.79% 6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR). 6.69% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).	6.86% 6.64% 6.63%
3 year Fixed	7.92% 6.54% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.49% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.02% 6.61% 6.60%
4 year Fixed	7.83% 6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%- 80% LVR) 6.69% special^{^}(for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.11% 6.70% 6.68%
5 year Fixed	8.10% 6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.34% 6.74% 6.72%

At the end of any fixed rate period, loans revert to the current Virgin Money Variable Rate minus a discount based on the overall amount borrowed and the loan to value ratio (LVR) at loan approval.

Interest rates shown are for a Principal and Interest (over 90% LVR) owner occupied loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed 8.49% 8.92%
3 year Fixed 8.62% 8.93%
4 year Fixed 8.33% 8.79%
5 year Fixed 8.60% 8.88%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	8.49%	8.92%
3 year Fixed	8.62%	8.93%
4 year Fixed	8.33%	8.79%
5 year Fixed	8.60%	8.88%

At the end of any fixed rate period, loans revert to the applicable Virgin Money Variable Rate plus a margin of 0.50%p.a.

Interest rates shown are for a interest only owner occupied loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed 7.09% 6.71%
3 year Fixed 6.79% 6.69%
4 year Fixed 7.19% 6.86%
5 year Fixed 7.39% 7.01%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	7.09%	6.71%
3 year Fixed	6.79%	6.69%
4 year Fixed	7.19%	6.86%
5 year Fixed	7.39%	7.01%

At the end of any fixed rate period, loans revert to the current Virgin Money Variable Rate minus a discount based on the overall amount borrowed and the loan to value ratio (LVR) at loan approval.

Investment

Interest rates shown are for a Principal and Interest investment loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed
7.66%

6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).

6.95%

6.79%

6.77%

3 year Fixed
7.67%

6.69% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.59% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.05%

6.76%

6.73%

4 year Fixed
7.73%

6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.16%

6.85%

6.81%

5 year Fixed
7.95%

6.94% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.84% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.35%

6.89%

6.85%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	7.66% 6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).	6.95% 6.79% 6.77%
3 year Fixed	7.67% 6.69% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.59% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.05% 6.76% 6.73%
4 year Fixed	7.73% 6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.16% 6.85% 6.81%
5 year Fixed	7.95% 6.94% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.84% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.35% 6.89% 6.85%

At the end of any fixed rate period, loans revert to our current Virgin Money Variable Investment Rate minus a discount based on the overall amount borrowed and the loan to value ratio (LVR) at loan approval.

Interest rates shown are for a interest only (maximum LVR 90%) investment loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed
8.01%

7.14% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

7.04% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).

7.02%

6.84%

6.82%

3 year Fixed
7.92%

6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.13%

6.82%

6.79%

4 year Fixed
7.93%

7.09% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.99% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.24%

6.92%

6.88%

5 year Fixed
8.15%

7.14% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

7.04% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.45%

6.98%

6.93%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	8.01% 7.14% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 7.04% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).	7.02% 6.84% 6.82%
3 year Fixed	7.92% 6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.13% 6.82% 6.79%
4 year Fixed	7.93% 7.09% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.99% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.24% 6.92% 6.88%
5 year Fixed	8.15% 7.14% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 7.04% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.45% 6.98% 6.93%

At the end of any fixed rate period, loans revert to the applicable Virgin Money Variable Investment Rate minus a discount based on the overall amount borrowed and the loan to value ratio (LVR) at loan approval.

Standard Variable Rate Home Loan

Below are our standard variable rates for owner occupied and investment loans. All our variable rates are based on these rates and this is the rate quoted in your loan contract with any discount or margin then being applied to the standard variable rate.

Owner Occupied

Interest Rate (p.a.) Comparison Rate (p.a.)^*
Virgin Money Variable Rate (Principal and Interest) 8.37% 8.51%
Virgin Money Variable Rate (Interest Only) 8.57% 8.60%
Investment

Interest Rate (p.a.) Comparison Rate (p.a.)^*
Virgin Money Variable Investment Rate (Principal and Interest) 8.59% 8.73%
Virgin Money Variable Investment Rate (Interest Only) 8.79% 8.82%

	Interest Rate (p.a.)	Comparison Rate (p.a.)^*
Virgin Money Variable Rate (Principal and Interest)	8.37%	8.51%
Virgin Money Variable Rate (Interest Only)	8.57%	8.60%

	Interest Rate (p.a.)	Comparison Rate (p.a.)^*
Virgin Money Variable Investment Rate (Principal and Interest)	8.59%	8.73%
Virgin Money Variable Investment Rate (Interest Only)	8.79%	8.82%

Fees and Charges

Important: Rate and fee information contained in this section relates to the Virgin Money Reward Me Home Loan.

Reward Me Home Loan fees and charges

Below is an outline of the key fees and charges applicable to your loan.

Upfront fees

Application Fee	$300 Payable for processing application of your loans. Charged at settlement.
Settlement Fee	$150 Payable for completing settlement of your loans
Additional Security Fee	$150 Payable when more than one security is required
Rate Lock Fee	0.15% of the fixed loan amount Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 100 days from the date we process your request. If your loan settles after 100 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.
Valuation Fee	First Valuation – Free Any further valuation will be charged for. The amount of the fee, will be the fee charged by the appointed Valuer and will vary depending on the location and value of the property.
Document Variation Fee	$200 Payable if a new set of loan documents needs to be issued due to a change in your requirements.

Post-settlement Fees

Home Loan Fee	$10 Charged to each loan account on every repayment date (monthly)
Rate Lock Fee	0.15% of fixed rate loan amount Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period.
Break Cost Admin Fee	$50 Payable when we break your fixed rate contract.
Switching Fee	$300 Charged for loans converted to another type of loan.
Substitution of Security Fee	$300 Payable if we agree to substitute one security for another security.
Consent Fee	$300 Payable wherever we give consent (following a request from you) to a change in security.
Security Release Fee (full or partial)	$350 Payable when we agree (at your request) to discharge a security.
Production Fee	$150 Payable if a certificate of title or any security is required to be produced to another financial institution.
Top up Fee	$150 Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase your existing loan.

For the full list of fees and charges applicable to your loan, Home Loan Companion account and Hub access, please go to our Lending and Deposits Guide to Fees and Charges.

RATES AND FEES SUMMARY

Interest Rates

Reward Me Variable Rate Home Loan

Total borrowings less than $500,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.44%
6.58%
60.01% to 80% 6.44%
6.58%
80.01% to 90% 6.94% 7.08%
Over 90% 8.87% 9.01%
INTEREST ONLY

Less than or equal to 60% 7.19% 6.92%
60.01% to 80% 7.19% 6.92%

Total borrowings between $500,000 and $750,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.44%
6.58%
60.01% to 80% 6.44%
6.58%
80.01% to 90% 6.94% 7.08%
Over 90% 8.87% 9.01%
INTEREST ONLY

Less than or equal to 60% 7.19% 6.92%
60.01% to 80% 7.19% 6.92%

Total borrowings over $750,000

Total borrowings less than $500,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.59% 6.73%
60.01% to 80% 6.59% 6.73%
80.01% to 90% 7.34% 7.48%
INTEREST ONLY

Less than or equal to 60% 6.79% 6.82%
60.01% to 80% 6.79% 6.82%
80.01% to 90% 7.34% 7.48%

Total borrowings between $500,000 and $750,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.59% 6.73%
60.01% to 80% 6.59% 6.73%
80.01% to 90% 7.34% 7.48%
INTEREST ONLY

Less than or equal to 60% 6.79% 6.82%
60.01% to 80% 6.79% 6.82%
80.01% to 90% 7.34% 7.48%

Total borrowings over $750,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.59% 6.73%
60.01% to 80% 6.59% 6.73%
80.01% to 90% 7.34% 7.48%
INTEREST ONLY

Less than or equal to 60% 6.79% 6.82%
60.01% to 80% 6.79% 6.82%
80.01% to 90% 7.34% 7.48%

Reward Me Fixed Rate Home Loan

Principal and Interest (up to 90% LVR)

Principal and Interest (over 90% LVR)

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed 8.49% 8.92%
3 year Fixed 8.62% 8.93%
4 year Fixed 8.33% 8.79%
5 year Fixed 8.60% 8.88%

Interest Only

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed 7.09% 6.71%
3 year Fixed 6.79% 6.69%
4 year Fixed 7.19% 6.86%
5 year Fixed 7.39% 7.01%

Principal and Interest (maximum LVR 90%)

Interest only (maximum LVR 90%)

Standard Variable Rate Home Loan

Fees and Charges

Reward Me Home Loan fees and charges

RATES AND FEES SUMMARY

Interest Rates

Reward Me Variable Rate Home Loan

Total borrowings less than $500,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)+ Comparison Rate (p.a.)* PRINCIPAL & INTEREST Less than or equal to 60% 6.44% 6.58% 60.01% to 80% 6.44% 6.58% 80.01% to 90% 6.94% 7.08% Over 90% 8.87% 9.01% INTEREST ONLY Less than or equal to 60% 7.19% 6.92% 60.01% to 80% 7.19% 6.92%

Total borrowings between $500,000 and $750,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)+ Comparison Rate (p.a.)* PRINCIPAL & INTEREST Less than or equal to 60% 6.44% 6.58% 60.01% to 80% 6.44% 6.58% 80.01% to 90% 6.94% 7.08% Over 90% 8.87% 9.01% INTEREST ONLY Less than or equal to 60% 7.19% 6.92% 60.01% to 80% 7.19% 6.92%

Total borrowings over $750,000

Total borrowings less than $500,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)+ Comparison Rate (p.a.)* ﻿PRINCIPAL & INTEREST﻿ Less than or equal to 60% 6.59% 6.73% 60.01% to 80% 6.59% 6.73% 80.01% to 90% 7.34% 7.48% ﻿INTEREST ONLY﻿ Less than or equal to 60% 6.79% 6.82% 60.01% to 80% 6.79% 6.82% 80.01% to 90% 7.34% 7.48%

Total borrowings between $500,000 and $750,000

Total borrowings over $750,000

Loan to Value Ratio (LVR) Interest Rate (p.a.)+ Comparison Rate (p.a.)* ﻿PRINCIPAL & INTEREST﻿ Less than or equal to 60% 6.59% 6.73% 60.01% to 80% 6.59% 6.73% 80.01% to 90% 7.34% 7.48% ﻿INTEREST ONLY﻿ Less than or equal to 60% 6.79% 6.82% 60.01% to 80% 6.79% 6.82% 80.01% to 90% 7.34% 7.48%

Reward Me Fixed Rate Home Loan

Principal and Interest (up to 90% LVR)

Principal and Interest (over 90% LVR)

Term Rate (p.a.) Comparison Rate (p.a.)* 2 year Fixed 8.49% 8.92% 3 year Fixed 8.62% 8.93% 4 year Fixed 8.33% 8.79% 5 year Fixed 8.60% 8.88%

Interest Only

Term Rate (p.a.) Comparison Rate (p.a.)* 2 year Fixed 7.09% 6.71% 3 year Fixed 6.79% 6.69% 4 year Fixed 7.19% 6.86% 5 year Fixed 7.39% 7.01%

Principal and Interest (maximum LVR 90%)

Interest only (maximum LVR 90%)

Standard Variable Rate Home Loan

Fees and Charges

Reward Me Home Loan fees and charges

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.44%
6.58%
60.01% to 80% 6.44%
6.58%
80.01% to 90% 6.94% 7.08%
Over 90% 8.87% 9.01%
INTEREST ONLY

Less than or equal to 60% 7.19% 6.92%
60.01% to 80% 7.19% 6.92%

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.44%
6.58%
60.01% to 80% 6.44%
6.58%
80.01% to 90% 6.94% 7.08%
Over 90% 8.87% 9.01%
INTEREST ONLY

Less than or equal to 60% 7.19% 6.92%
60.01% to 80% 7.19% 6.92%

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.59% 6.73%
60.01% to 80% 6.59% 6.73%
80.01% to 90% 7.34% 7.48%
INTEREST ONLY

Less than or equal to 60% 6.79% 6.82%
60.01% to 80% 6.79% 6.82%
80.01% to 90% 7.34% 7.48%

Loan to Value Ratio (LVR) Interest Rate (p.a.)⁺ Comparison Rate (p.a.)^*
PRINCIPAL & INTEREST
Less than or equal to 60% 6.59% 6.73%
60.01% to 80% 6.59% 6.73%
80.01% to 90% 7.34% 7.48%
INTEREST ONLY

Less than or equal to 60% 6.79% 6.82%
60.01% to 80% 6.79% 6.82%
80.01% to 90% 7.34% 7.48%

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed 8.49% 8.92%
3 year Fixed 8.62% 8.93%
4 year Fixed 8.33% 8.79%
5 year Fixed 8.60% 8.88%

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed 7.09% 6.71%
3 year Fixed 6.79% 6.69%
4 year Fixed 7.19% 6.86%
5 year Fixed 7.39% 7.01%