1300 13 22 77Retired home and personal loan, and credit card products
(products no longer offered)
Personal Loan products
Variable Personal Loan
11.74% p.a.* Interest rate
Home Loan products – retired 12 August 2025
The key attributes of the True Basic Home Loan are:
- variable rate
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- no mortgage offset account
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
The key attributes of the Balance Variable Home Loan are:
- variable rate
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Standard Offset savings account available
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
The key attributes of the True Value (Standard Variable) Home Loan are:
- variable rate
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Standard Offset Savings account available
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
The key attributes of the Fixed Home Loan are:
- fixed term of 1, 2 or 3 years
- after the fixed rate term, the loan reverts to the corresponding Balance Variable home loan as per your loan contract
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Standard Offset savings account available
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
The key attributes of the Accelerator Package Variable Home Loan are:
- variable rate discounted by 2.40% from the relevant retired Standard Variable interest rate
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Package Offset account available as a transactional savings account with Debit Card Access (limit 2 per Accelerator home loan)
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
- refer to the Accelerator Home Loan Fact Sheet for all package features and benefits here
The key attributes of the Accelerator Package Fixed Home Loan are:
- fixed term of 1, 2 or 3 years
- after the fixed rate term, the loan reverts to the corresponding Accelerator Package Variable home loan as per your loan contract
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Package Offset account available as a transactional savings account with Debit Card Access (limit 2 per Accelerator home loan)
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
- refer to the Accelerator Home Loan Fact Sheet for all package features and benefits here
NBCU products no longer offered
Loan products
Interest Only
Interest rate and comparison rate available on request.
Overdraft/Visa
14.45% p.a.* Interest rate
Credit card products no longer offered
Low Rate Credit Card
S31 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 13.99% p.a. 2
S32 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 12.00% p.a. 2
S33 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 11.99% p.a. 2
S34 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 13.00% p.a. 2
S35 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 12.99% p.a. 2
S36 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 12.50% p.a. 2
S52 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 9.25% p.a. 2
Retired Loan Interest Rate Schedule
For details about our retired home loan interest rates, please refer to the current schedule below.
Fees and charges
For details or more information about our fees and charges, please refer to our current schedule.
Credit eligibility criteria, terms and conditions, fees and charges apply.
*Rates are effective as at 16/03/22 and subject to change without notice.
**The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. ^^The comparison rate is based on a loan amount of $30,000 over 5 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.
2 Rates are effective as at 01/05/2024 and subject to change without notice.