1300 13 22 77Owner-Occupier Home Loan Rates
Move, improve and get ahead
When it comes to the home you live in, we offer a range of home loan solutions to help you get more out of life.
Easy
If you’re switching your loan from another lender, we can make it happen easier than ever thanks to our FASTRefi service. We’ll even deal with your current lender for you.
Affordable
You can borrow up to 95% of the property value to finance a newly built home or up to 80% to renovate an existing one.
Flexible
We offer bridging finance so if you’ve found your next home but are yet to sell your existing one, we can help make it happen so you don’t miss out.
Featured home loans
Buy or refinance
Go Basic Variable
home loan Special
For new owner occupier loans with an LVR up to 80%
5.85
%p.a. 3
Find out more
Buy or refinance
Go Basic –
3 year fixed Special
For new owner occupier loans with an LVR up to 80%
5.85
%p.a. 1
Find out more
Buy, refinance, or build
Boost Package – 2 Year Fixed
For owner occupier loans with an LVR up to 80%
6.19
%p.a. 4
Find out more
Buy or refinance
Boost Package – variable Special
For new owner occupier loans with an LVR up to 80%
5.99
%p.a. 2
Find out more
Other home loan choices
Access the equity in your home
You may be able to borrow against up to 80% of the available equity in your home which can be a great way to finance a renovation, investment property, even a new car at home loan rates. If you’re borrowing $50,000 or more, you can even take advantage of our latest home loan specials.
Find out more
How to apply
You can apply over the phone or at one of our financial services stores. One of our Mortgage Specialists will guide you through the process.
Refinancing podcast
Listen to our podcast on refinancing and your home loan. Hosted by Carley Eldridge at Wiseberry Heritage and our Regional Partnership Manager, Shane Cridland
Stay financially resilient
Here are 4 steps you can take to improve your resilience and stay on top of your mortgage repayments.
How an offset works
Reducing your interest takes more than just a low rate. An offset account can be a great tool to help you get ahead and pay your loan off sooner.
Buying before you’re ready to sell?
A bridging loan can help you buy your next home while giving you up to 12 months to sell your current one.
You can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is current as at 18/08/26, is available for owner occupier loans and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Government charges or any exit costs may be incurred from your existing lender. Lenders’ Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply
2 Rate is current as at 18/08/26, and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Government charges or any exit costs may be incurred from your existing lender.
3 Rate is for owner occupied loans and is current as at 18/08/26 and subject to change without notice.
4Rate is current as at 18/08/26, is for new money and switches and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Your interest rate and repayments may increase at the end of the fixed term. Break costs apply to fixed rate loans. You should refer to your terms and conditions for more information.
*The comparison rate is calculated on a loan amount of $150,000 over a loan 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.