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How our Home Loans compare

How our Home Loans compare

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If you want confirmation that our Home Loans offer outstanding value, read on!

A recent comparison has shown that our members can save up to $62,626 in interest charges over the life of their loan when compared to other home loan providers*.

Our Bank offers one of the best value home loans in Australia. See how we compare for an owner occupied $250,000 home loan over 30 years:

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  Variable Rate p.a * Comparison Rate p.a. + Loan Repayment p.m. Total Interest Payment Amount Saved
BCUB 4.09% 4.15% $1,207 $184,357  
ANZ 5.20% 5.30% $1,373 $244,200 $59,843
CBA 5.25% 5.39% $1,381 $246,983 $62,626
NAB 5.24% 5.37% $1,379 $250,893 $66,069
Westpac 5.24% 5.38% $1,379 $250,893 $66,069

Not only are our home loans competitively priced but now you can choose between our First Rate home loan (basic low rate variable home loan) or our All in One home loan (complete range of features):

  • First Rate Home Loan
    This home loan offers you a great ongoing variable interest rate, no monthly account keeping fees and the flexibility to make extra repayments without penalty so you can manage your mortgage as you choose.
  • All in One Home loan
    The All in One Home Loan offers you complete flexibility with a full range of features, and a highly competitive variable interest rate.
Key Features First Rate Home Loan All in One Home Loan
Variable interest rate View our interest rates View our interest rates
Minimum amount $30,000 $30,000
Maximum amount

90% of the property value

90% of the property value
Loan period Up to 30 years Up to 30 years
Repayments Monthly / Fortnightly / Weekly Monthly / Fortnightly / Weekly
Interest charges Calculated daily, charged monthly Calculated daily, charged monthly
Legal Fees  At cost At cost
Valuation Fees At cost At cost
Variable and lump sum repayments Yes Yes
Early repayment without penalty Yes Yes
Redraw facility Yes Yes
Top up facility available Min $10,000 Min $10,000
Monthly account keeping/service fees No No
Loan Repayment Insurance available Yes Yes
Auto repayments (salary/account) Yes Yes
100% Offset Facility No Yes
FREE monthly transactions 13 20
Discount on General Insurance Yes Yes
Annual fee on Visa Credit Card Yes No
Access to 'Premium Rate' for personal loans No Yes
Switching fee to Fixed Rate Yes No
Bonus rate on Term Deposits No Yes
Monthly fees on Visa Debit Cards No No
Repayment Holiday  Yes Yes 

All displayed interest rates for owner occupied loans only. Investment rates available by clicking here

*Subject to change without notice. Terms and conditions, fees and charges and approval criteria apply. Bank's Standard Variable Home Loan Rates correct as at 19th June 2017, taken from the institution's website.

+Bank comparisons are based on $250,000 loan over 30 years secured with monthly repayments. (Taken from bank's website 19th June 2017)
WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

Fixed Rate Home Loans: Establishment and Early Repayment fees & charges apply. Redraw facilities are not available. Loan Protection Insurance and Rate Lock options available; refer to Fees & Charges and Interest Rates Brochure on our website or at one of our branches for full details.