Variable home loans

We have a wide range of home loan solutions to help outside of traditional requirements. Our experienced Lending Specialists can help if you’re self-employed (Alt Doc), have a complicated financial setup, or have had credit issues in the past.
  • No monthly or annual fees

  • For loans up to a maximum of $1.5m

  • Weekly, fortnightly or monthly payment reschedule

  • Online account access

  • Extra repayments at no penalty

  • Customer Benefits Program with discounts on goods and services

  • Alt Doc only


    Self-employed for a minimum of 6 months
  • Specialist only


    Solutions for those with credit issues

Not all features available on all products. Please refer to product specs for additional information.

Wide range of home loan solutions

See if you qualify in less than 2 minutes.

Standard Prime Full Doc and Standard Prime Alt Doc Rates

The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.

  • Owner Occupied Rates
  • Investment Rates
Owner Occupied Variable Rates Full Doc Alt Doc
Under 70% LVR 3.39%pa 4.19%pa
70-80% LVR 3.49%pa 4.19%pa
80-90% LVR 4.09%pa N/A
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Investment Variable Rates Full Doc Alt Doc
Under 70% LVR 3.39%pa 4.19%pa
70-80% LVR 3.49%pa 4.19%pa
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All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Valuation fee is at the cost of the valuation. Annual fee $0. Settlement fee $475. Discharge fee $495. Details about our products and our full interest rate disclosure for new and existing loans is set out in our Interest Rates Disclosure document. A schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.

Specialist Full Doc and Specialist Alt Doc Rates

The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.

  • Specialist Full Doc Rates
  • Specialist Alt Doc Rates
Specialist Full Doc Clear Plus Assist
Under 60% LVR 4.99%pa 5.94%pa 6.04%pa
60-65% LVR 5.09%pa 6.04%pa 6.24%pa
65-70% LVR 5.19%pa 6.19%pa 6.49%pa
70-75% LVR 5.29%pa 6.39%pa 6.79%pa
75-80% LVR 5.59%pa 7.24%pa 7.69%pa
80-85% LVR 7.72%pa 8.91%pa 9.31%pa
85-90% LVR 7.82%pa 9.01%pa 9.41%pa
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Specialist Alt Doc Clear Plus Assist
Under 60% LVR 5.39%pa 6.04%pa 6.14%pa
60-65% LVR 5.49%pa 6.24%pa 6.44%pa
65-70% LVR 5.59%pa 6.49%pa 6.79%pa
70-75% LVR 5.69%pa 6.79%pa 7.19%pa
75-80% LVR 5.74%pa 7.69%pa 8.14%pa
80-85% LVR 8.30%pa 9.66%pa 10.36%pa
85-90% LVR 8.40%pa 9.76%pa 10.46%pa
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All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Valuation fee is at the cost of the valuation. Annual fee $0. Settlement fee $475. Discharge fee $495. Details about our products and our full interest rate disclosure for new and existing loans is set out in our Interest Rates Disclosure document. A schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.

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