Interest Rates

Show me interest rates for

Everyday Accounts

Savings & Term Deposits

Credit Cards

Home Loans

Personal Loans

Business Lending

Not For Sale Products

Download interest rate schedules

Interest Rate Schedule - Lending Products

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Interest Rate Schedule - Everyday Banking and Savings Products

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Interest Rate Schedule – Business Lending Products

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Business+ Interest Rate Schedule

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Everyday Accounts

Everyday Account

This account does not earn interest.

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Everyday Youth Account

This account does not earn interest.

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Everyday Edge Account

This account does not earn interest.

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Everyday 50+ Account

Conditions: Funds are available on call. Interest is calculated on daily balances and paid monthly. Rate applies on a stepped basis. Interest paid at 0.10% p.a on balances under $5,000, at 1.85% p.a. on balances from $5,000 to $50,000, and at 2.95% p.a. on the portion of the balance over $50,000.

Find out more

Account Portion

Rate

Everyday 50+ Account

Under $5,000

0.10%p.a.

$5,000-$50,000

1.85%p.a.

Over $50,000

2.95%p.a.

Everyday Business Account

Funds are available on call. This account does not earn interest.

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Savings & Term Deposits

Term Deposits¹

Find out more

Term

Interest in maturity/annually

Interest monthly

Term Deposit rates

1 Month

1.30%p.a.

Not available

2 Month

1.60%p.a.

1.50%p.a.

3 Month

4.65%p.a.

4.55%p.a.

4 Month

2.95%p.a.

2.85%p.a.

5 Month

4.70%p.a.

4.60%p.a.

6 Month

4.55%p.a.

4.45%p.a.

7 Month

3.05%p.a.

2.95%p.a.

8 Month

4.70%p.a.

4.60%p.a.

9 Month

4.45%p.a.

4.35%p.a.

10 Month

3.15%p.a.

3.05%p.a.

11 Month

4.70%p.a.

4.60%p.a.

12 Month

4.45%p.a.

4.35%p.a.

13 Month

2.30%p.a.

2.20%p.a.

14 Month

2.30%p.a.

2.20%p.a.

15 Month

2.30%p.a.

2.20%p.a.

16 Month

2.30%p.a.

2.20%p.a.

17 Month

2.30%p.a.

2.20%p.a.

18 Month

3.50%p.a.

3.40%p.a.

19 Month

2.30%p.a.

2.20%p.a.

20 Month

2.30%p.a.

2.20%p.a.

21 Month

2.30%p.a.

2.20%p.a.

22 Month

2.30%p.a.

2.20%p.a.

23 Month

2.30%p.a.

2.20%p.a.

2 Year

4.20%p.a.

4.10%p.a.

3 Year

3.80%p.a.

3.70%p.a.

4 Year

3.80%p.a.

3.70%p.a.

5 Year

3.80%p.a.

3.70%p.a.

Platinum Plus (55+)

Platinum Plus (55+)

1 Year

4.55%p.a.

4.45%p.a.

13 Months

2.40%p.a.

2.30%p.a.

14 Months

2.40%p.a.

2.30%p.a.

15 Months

2.40%p.a.

2.30%p.a.

16 Months

2.40%p.a.

2.30%p.a.

17 Months

2.40%p.a.

2.30%p.a.

18 Month

3.60%p.a.

3.50%p.a.

19 Month

2.40%p.a.

2.30%p.a.

20 Month

2.40%p.a.

2.30%p.a.

21 Month

2.40%p.a.

2.30%p.a.

22 Month

2.40%p.a.

2.30%p.a.

23 Month

2.40%p.a.

2.30%p.a.

2 Year

4.30%p.a.

4.20%p.a.

3 Year

3.90%p.a.

3.80%p.a.

4 Year

3.90%p.a.

3.80%p.a.

5 Year

3.90%p.a.

3.80%p.a.

Home Saver Account²

Find out more

Account balance

Rate

eSaver Reward

Maximum variable interest

5.25% p.a.

Base rate

0.50% p.a.

Bonus interest (balances up to $100,000)

4.75% p.a.

Goal Saver Account³

Find out more

Account balance

Rate

eSaver Reward

Maximum variable interest

5.35% p.a.

Base rate

0.50% p.a.

Bonus interest (balances up to $50,000)

4.85% p.a.

Future Saver Account⁴

Find out more

Balance Tier

Base rate

Bonus Rate

Total Rate

Up to $500,000

0.10%

4.75%

4.85%

$500,000+

0.10%

3.40%

3.50%

Everyday Saver Account⁵

Find out more

Balance Tier

Rate

Everyday Saver rate

Up to $750,000

4.30% p.a.

$750,000+

0.00% p.a.

Youth eSaver Account⁶

Find out more

Account portion

Rate

Youth eSaver

$0-$5,000

5.50% p.a.

Over $5,000

1.00% p.a.

Important Information

Rates current as at 08 September 2024 and subject to change. Fees and charges are payable.

¹ Interest is calculated daily on whole balances. Platinum Plus interest rates are available only to individuals aged 55 years or older, or a Super Fund/Trust, where the Trustee is an individual aged 55 years or over. A minimum deposit of $5,000 required.

² Interest is calculated daily and paid monthly. The base rate of interest is payable on the whole balance held in your Home Saver Account. Bonus interest is applied on top of the base rate on balances up to $100,000 in a calendar month if, prior to the last day of that calendar month:

A. You receive deposits totalling $2,000 or more by electronic transfer (excluding telegraphic transfer) from a non-Great Southern Bank account into your Everyday Edge Account/s; and

B. At least 5 Visa Debit card purchases have been processed from your Everyday Edge Account/s and are not in pending status (excludes ATM withdrawals, EFTPOS cash out, balance enquiries and Bank@Post transactions). Only deposits and purchases performed on Everyday Edge accounts are eligible to meet the bonus interest criteria for Home Saver.

³ Interest is calculated daily and paid monthly. The base rate of interest is payable on the whole balance held in your Goal Saver Account. Bonus interest is applied on top of the base rate on balances up to $50,000 in calendar month if, prior to the last day of that calendar month:

A. You receive funds of $500 or more by electronic transfer (excluding telegraphic transfer) from a non-Great Southern Bank bank account into your Everyday Edge Account; and

B. At least 5 settled (not pending) Visa Debit card purchase transactions (card present and card not present transactions but excluding ATM withdrawals, balance enquiries, Bank@Post transactions, cash advances and EFTPOS cash out only transactions) have been processed from your Everyday Edge Account.

⁴ Applicants must be over the age of 18. Available to new and existing customers. Only one account per customer. Interest is calculated daily on whole balances and paid monthly. Rate applies on a stepped basis - each rate applies to the portion of the total balance that falls within that balance bracket. Refer to the interest rate schedule for current interest rates. Bonus interest is applied on top of the base rate if the balance of the Future Saver account increases by $250 by the end of each calendar month (excluding interest payments, withholding tax and fees).

⁵ Available to new and existing customers. A maximum of six accounts per customer. Interest is calculated daily on whole balances and paid monthly. Rate applies on a stepped basis - each rate applies to the portion of the total balance that falls within that balance bracket. Refer to the interest rate schedule for current interest rates.

⁶ Rate applies on a stepped basis. Interest paid at 5.50% p.a. on balances up to $5,000, then at 1.00% p.a. on that portion of the balance over $5,000. Great Southern Bank Youth eSaver account converts to a Goal Saver Account once you turn 18 years old.

Home Loans

All loans are subject to lending criteria, terms and conditions. Ask us for details. Fees and charges apply. Refer to Lending Schedule of Fees brochure. Additional conditions apply to ‘new lending only’ offers. Interest rates are on a per annum basis and are subject to change.

Housing Finance Owner Occupier & Residential Investment. Different LVR limits apply to each home loan.

Variable Rates

Rates below are inclusive of any discounts off the reference rate.⁹

Discounted variable rates for new and additional lending from 20 August 2024

Owner Occupier

Investor

Interest Rate

Comparison rate^

Interest Rate

Comparison rate^

Basic Variable - LVR is 70% or less

Basic Variable
LVR is 70% or less

Principal & Interest repayments

6.14%

6.20%

6.34%

6.40%

Interest Only repayments⁷

6.59%

6.33%

6.54%

6.49%

Construction Interest only⁸

6.14%

6.20%

6.34%

6.40%

Basic Variable - LVR is above 70% and less than or equal to 80%

Basic Variable
LVR is above 70% and less than or equal to 80%

Principal & Interest repayments

6.24%

6.30%

6.39%

6.45%

Interest Only repayments⁷

6.94%

6.50%

6.64%

6.56%

Construction Interest only⁸

6.24%

6.30%

6.39%

6.45%

Basic Variable - LVR is above 80% and less than or equal to 90%

Basic Variable
LVR is above 80% and less than or equal to 90%

Principal & Interest repayments

6.44%

6.50%

6.64%

6.70%

Interest Only repayments⁷

7.44%

6.79%

7.04%

6.88%

Construction Interest only⁸

6.44%

6.50%

6.64%

6.70%

Basic Variable - LVR is more than 90%

Basic Variable
LVR is more than 90%

Principal & Interest repayments

6.94%

7.00%

---

Construction Interest only⁸

---

Basic Variable - Reference Rate

Basic Variable
Reference Rate

Principal & Interest repayments

8.00%

8.43%

8.18%

Interest Only repayments⁷

8.50%

---

8.78%

---

Construction Interest only⁸

8.10%

---

8.53%

---

Offset Variable - LVR is 70% or less

Offset Variable
LVR is 70% or less

Principal & Interest repayments

6.19%

6.25%

6.35%

6.41%

Interest Only repayments⁷

6.94%

6.47%

6.64%

6.54%

Construction Interest only⁸

6.19%

6.25%

6.35%

6.41%

Offset Variable - LVR is above 70% and less than or equal to 80%

Offset Variable
LVR is above 70% and less than or equal to 80%

Principal & Interest repayments

6.29%

6.35%

6.44%

6.50%

Interest Only repayments⁷

7.24%

6.63%

6.74%

6.63%

Construction Interest only⁸

6.29%

6.35%

6.44%

6.50%

Offset Variable - LVR is above 80% and less than or equal to 90%

Offset Variable
LVR is above 80% and less than or equal to 90%

Principal & Interest repayments

6.59%

6.65%

6.74%

6.80%

Interest Only repayments⁷

7.49%

6.91%

7.14%

6.98%

Construction Interest only⁸

6.59%

6.65%

6.74%

6.80%

Offset Variable - LVR is more than 90%

Offset Variable
LVR is more than 90%

Principal & Interest repayments

7.04%

7.10%

---

Construction Interest only⁸

---

Offset Variable - Reference Rate

Offset Variable
Reference Rate

Principal & Interest repayments

8.20%

---

8.63%

---

Interest Only repayments⁷

8.70%

---

8.98%

---

Construction Interest only⁸

8.30%

---

8.73%

---

Fixed Rates¹⁰

Owner Occupier

Investor

Interest Rate

Comparison rate^

Interest Rate

Comparison rate^

1 Year Fixed

1 Year Fixed

Principal & Interest repayments

6.49%

7.90%

6.59%

8.29%

Interest Only repayments⁷

6.79%

7.93%

6.89%

8.32%

2 Year Fixed

2 Year Fixed

Principal & Interest repayments

6.14%

7.68%

6.24%

8.03%

Interest Only repayments⁷

6.44%

7.74%

6.54%

8.09%

3 Year Fixed

3 Year Fixed

Principal & Interest repayments

5.99%

7.47%

6.09%

7.79%

Interest Only repayments⁷

6.29%

7.55%

6.39%

7.88%

5 Year Fixed

5 Year Fixed

Principal & Interest repayments

6.09%

7.20%

6.19%

7.48%

Interest Only repayments⁷

---

6.49%

7.61%

Note:

All Investor Fixed Rate home loans revert to the Investor Basic Variable Principal & Interest Reference Rate (currently 8.43%) at the expiry of the fixed term.

All Owner Occupier Fixed Rate home loans revert to the Owner Occupier Basic Variable Principal & Interest Reference Rate (currently 8.00%) at the expiry of the fixed term.

Bridging Loans

Owner Occupier

Investor

Interest Rate

Comparison rate^

Interest Rate

Comparison rate^

Bridging Loan

Interest Only repayments⁷

9.81%

9.91%

9.81%

9.91%

Is this product right for me?

Important Information

Rates current as at 20 August 2024 and subject to change. Fees and charges are payable.

⁷ For Interest Only loans, a maximum interest only period of 36 months applies for owner occupier loans and 60 months for investment loans. For Fixed Rate loans, the interest only period must align with the fixed rate period. On expiry of the Fixed Rate interest only period, loans will revert to the Basic Variable Principal and Interest Owner Occupier or Investor Reference Rate (as applicable) which applies at the time of expiry. On expiry of the Basic Variable interest only period, loans will revert to the Basic Variable Principal and Interest Owner Occupier or Investor Reference Rate (as applicable) which applies at the time of expiry, less any discount set out in the loan contract. On expiry of the Offset Variable interest only period, loans will revert to the Offset Variable Principal and Interest Owner Occupier or Investor Reference Rate (as applicable) which applies at the time of expiry, less any discount set out in the loan contract. Comparison rate for Interest Only loan is based on interest only payments for the fixed term and principal & interest payments for the balance of the term.

⁸ For Construction loans, payments are made on an interest only basis for the first 12 months. After 12 months, the loan will revert to the relevant Principal & Interest Reference Rate applicable at the time, less any discount set out in the loan contract.

⁹ Discounts off the Basic Variable and Offset Variable Reference Rate are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of the home loan you already have with us when it includes new borrowing of at least $10,000; for new home loan applications unconditionally approved on or after 20 August 2024. Published interest rates are inclusive of any discounts off the respective Reference Rates. Interest rates and discounts vary based on the loan purpose (owner occupier and investor), repayment type (principal and interest, interest only, construction) and Loan to Value Ratio (LVR). Maximum LVR applies and includes Lenders' Mortgage Insurance and Great Southern Bank loan setup fees where applicable.

¹⁰ Fixed Rate loans are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of existing home loans. Maximum Loan to Value Ratio applies and includes Lenders' Mortgage Insurance and Great Southern Bank loan setup fees where applicable.

^ Comparison rate calculated on a $150,000 secured loan over a term of 25 years based on monthly repayments. 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.

* Inclusive of Lenders' Mortgage Insurance (LMI). Note: Details of interest rates for other closed products are available on request.

To view the Target Market Determination for these products, please click here.

Personal Loans

Interest rate from

Comparison rate from

Up to $75,000

Unsecured Fixed Personal Loan

7.99%p.a. to 19.99%p.a.

8.31%p.a. to 20.35%p.a.****

Up to $100,000

Secured Fixed Car Loan

6.49%p.a. to 15.04%p.a.

6.95%p.a. to 15.54%p.a.**

Up to $75,000

Unsecured Green Personal Loan

6.99%p.a. to 19.24%p.a.

7.31%p.a. to 19.60%p.a.****

Up to $100,000

Green Car Loan

5.99%p.a. to 14.29%p.a.

6.44%p.a. to 14.78%p.a.**

Important Information

These interest rates are current as at 20 August 2024 and are subject to change. Fees and charges are payable.

** Comparison rate examples are accurate for a personal loan amount of $30,000 secured loan over a term of 5 years. WARNING: 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.

**** Comparison rate examples are accurate for a personal loan amount of $30,000 unsecured loan over a term of 5 years. WARNING: 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.

Credit Cards

Conditions: These interest rates are current as at 29 March 2022 and are subject to change. Fees and charges are payable.

Purchases

Cash

Platinum Credit Card

Low Rate Credit Card

11.99%p.a.

21.74%p.a.

Not For Sale Products

View Interest Rates for Not For Sale Products

Home Loans

Owner Occupier

Investor

Achieve Variable

Achieve Variable
Reference Rate¹³

Principal & Interest repayments

8.20%p.a.

8.63%p.a.

Construction Interest only¹¹

8.30%p.a.

8.73%p.a.

Interest Only repayments¹²

8.70%p.a.

8.98%p.a.

Accelerate Variable

Accelerate Variable

Principal & Interest repayments

7.19%p.a.

7.62%p.a.

Construction Interest only ¹¹

7.49%p.a.

7.92%p.a.

Interest Only repayments ¹²

7.69%p.a.

7.97%p.a.

Fresh Start Basic Variable

Fresh Start Basic Variable

Principal & Interest repayments

7.77%p.a.

8.53%p.a

Construction Interest only¹¹

7.77%p.a.

8.53%p.a

Interest Only repayments¹²

8.12%p.a.

8.88%p.a

Fresh Start Variable

Fresh Start Variable

Principal & Interest repayments

7.96%p.a.

8.61%p.a

Construction Interest only¹¹

7.96%p.a..

8.61%p.a

Interest Only repayments¹²

8.31%p.a.

8.96%p.a

Balanced Variable

Balanced Variable

Principal & Interest repayments

7.20%p.a.

7.63%p.a

Construction Interest only¹¹

7.30%p.a.

7.73%p.a

Interest Only repayments¹²

7.70%p.a.

7.98%p.a

Advance Variable

Advance Variable

Principal & Interest repayments

7.35%p.a.

---

Construction Interest only¹¹

7.69%p.a.

---

Interest Only repayments¹²

7.94%p.a.

---

1 year Intro Variable

1 year Intro Variable

Principal & Interest repayments

7.93%p.a.

---

Platinum Variable

Platinum Variable

7.69%p.a.

8.19%p.a.

Standard Variable

Standard Variable

8.69%p.a.

9.24%p.a.

Discount Variable¹²

Discount Variable¹²

8.69%p.a.

9.24%p.a.

Fresh Start Access Variable

Fresh Start Access Variable

8.16%p.a.

8.66%p.a.

Rate Breaker Package^{12, 13}

Rate Breaker Package^{12, 13}

Download Rate Breaker T&Cs

7.51%p.a.

7.81%p.a.

Equity Line of Credit

Equity Line of Credit

Interest Only repayments¹²

8.81%p.a.

Conditions: These interest rates are current as at 20 August 2024 and are subject to change. Fees and charges are payable.

¹¹ Maximum Interest Only period of 24 months for Owner Occupier and 60 months for Investor lending (subject to credit approval). For Fixed Rate home loans, interest only period must align to the fixed rate period. At expiry of the interest only period, loans will revert to the relevant Principal & Interest repayments rate reflecting any applicable discounts specified in the loan contracts.

¹² Payments are made on an interest only basis for the first 12 months. After 12 months loans will revert to the relevant Principal & Interest repayments rate reflecting any applicable discounts specified in the loan contracts.

¹³ Refer to your credit contract for any discount that may apply (if applicable).

¹⁴ Refer to Rate Breaker Package Terms and Conditions for more information.

Personal Loans

All purpose loans

Interest rate

Comparison rate

Variable Rate Personal Loan

12.99%p.a.

Discount Fixed Personal Loan

10.99%p.a.

11.25%p.a.

Unsecured Variable Personal Loan

11.89%p.a.

12.15%p.a.

Credit Cards

Purchases

Cash

Platinum Credit Card

19.99%p.a.

21.74%p.a.

Low Rate Credit Card

Overdrafts

Rate

“Everyday” overdraft

10.90%p.a.

“Just in Case” overdraft

13.50%p.a.

Cash Management Account

Conditions: Interest is calculated daily on whole balances and paid monthly.

Account Portion

Rate

Cash Management Account rates

Under $50,000

0.01% p.a.

$50,000 - $99,999

0.01% p.a.

$100,000 - $249,999

0.05% p.a.

$250,000 & over

0.10% p.a.

Christmas Club Account

Conditions: Interest is calculated on a daily basis and paid annually on all balances.

Rate

Christmas Club Account rates

All balances

0.05% p.a.

Everyday 55+ Account

Conditions: Funds are available on call. Interest is calculated on daily balances and paid monthly. Rate applies on a stepped basis. Interest paid at 0.10%p.a. on balances under $5,000, at 1.80%p.a. on balances from $5,000 to $50,000, and at 2.80%p.a. on the portion of the balance over $50,000.

Account Portion

Rate

Everyday 55+ Account

Under $5,000

0.10% p.a.

$5,000-$50,000

1.80% p.a.

Over $50,000

2.80% p.a.

Advantage Saver Account

Balance Tier

Base rate

Bonus Rate

Total Rate

Under $100,000

0.10%

4.75%

4.85%

$100,000 - $750,000

0.10%

4.60%

4.70%

$750,000+

0.10%

3.90%

4.00%

eSaver Flexi Account

Rate

eSaver Flexi rate

Interest rate

4.20% p.a.

eSaver Boost Account

Conditions: Bonus interest is applied on top of the base rate if deposits totalling at least $250 and no withdrawals are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $500,000. The base rate of interest will be paid on the portion of any balance exceeding $500,000.

Rate

eSaver Boost rate

Maximum rate

2.70% p.a.

Base rate

0.10% p.a.

Bonus interest (on balances up to $500,000)

2.60% p.a.

eSaver Extra Account

Conditions: Bonus interest is applied on top of the base rate if deposits totalling at least $250 and no withdrawals are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $750,000. The base rate of interest will be paid on the portion of any balance exceeding $750,000.

Rate

eSaver Extra

Maximum rate

2.70% p.a.

Base rate

0.10% p.a.

Bonus interest (on balances up to $750,000)

2.60% p.a

eSaver Account

Conditions: Interest is calculated daily on whole balances and paid monthly.

Rate

eSaver Account rates

All balances

1.75% p.a.

Bonus Saver Account

Includes 0.20% p.a. bonus
Conditions: Bonus interest is paid if no debit transactions are made on the account during a calendar month and a deposit of at least $50.00 is made to the account during the same calendar month. Interest is calculated daily on whole balances and paid monthly.

Rate

Bonus Saver Account rates

All balances

0.20% p.a.

eSaver Plus Account

Conditions:Bonus interest is applied on top of the base rate if deposits totalling at least $200 and no withdrawals are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $1,000,000. The base rate of interest will be paid on the portion of any balance exceeding $1,000,000.

Rate

eSaver Plus Account

Maximum rate

2.30% p.a.

Base rate

0.10% p.a.

Bonus interest (on balances up to $1,000,000)

2.20% p.a.

eSaver Reward Account

Conditions: Interest is calculated daily on whole balances and paid monthly. Bonus interest applies to balances in your eSaver Reward Account up to $100,000 when you deposit $1,000 or more each month by bank transfer (excluding telegraphic transfers) from a non-Great Southern Bank account into your eligible Everyday Transaction Account, being the Everyday, Everyday Edge, Everyday Youth, Everyday 50+, Everyday55+, Everyday Business, Prime Access, Freedom Plus and Platinum Plus Accounts.

Rate

eSaver Reward Account

Maximum rate

3.85% p.a.

Base rate

0.10% p.a.

Bonus interest (on balances up to $100,000)

3.75% p.a.

FPI Account

Conditions: Interest is calculated daily on whole balances and paid monthly.

Rate

FPI Account

All balances

1.00%p.a.

Cash Hub

Conditions: Interest is calculated daily on whole balances and paid monthly.

Rate

Cash Hub

All balances

1.00%p.a.

Serious Saver

_Conditions: _{Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.}

All balances earn 0.01% interest.

Prime Access Account

This account does not earn interest.

Freedom Plus Account

This account does not earn interest.

Platinum Plus Account

This account does not earn interest.

Special Purpose Account

This account does not earn interest.

An explanation of comparison interest rates

On all Great Southern Bank advertisements for home and personal loans, you will see a 'comparison rate' appearing after the interest rate. A comparison rate is a tool designed to help consumers identify the true cost of a loan.

The comparison rate includes the annual interest rate and the upfront and ongoing fees and charges relating to the loan, expressed as a single percentage figure. For example, an advertisement displaying an interest rate of 5.49% p.a. may have a comparison rate of 6.75% p.a.

Under the National Credit Code, all lenders must include a comparison rate, in addition to other prescribed information, when advertising an interest rate.

Compare with caution

Comparison rates can be a useful tool for comparing the overall cost of different loans, however they have some shortcomings. Many add-on features which some customers find very valuable are not taken into account in the calculation of the comparison rate.

When choosing a loan, it is important to research the features of each loan to find the product that suits you best. You'll find most of our home loans offer the ability to make additional and lump-sum repayments without penalty, and include free redraws and many other features that are not available from our competitors.

These features are not reflected in our comparison rates.

Interest Rates

Everyday Accounts

Savings & Term Deposits

Home Loans

Variable Rates

Fixed Rates10

Note:

Bridging Loans

Personal Loans

Credit Cards

Not For Sale Products

Home Loans

Personal Loans

Credit Cards

Overdrafts

Cash Management Account

Christmas Club Account

Everyday 55+ Account

Advantage Saver Account

eSaver Flexi Account

eSaver Boost Account

eSaver Extra Account

eSaver Account

Bonus Saver Account

eSaver Plus Account

eSaver Reward Account

FPI Account

Cash Hub

Serious Saver

Prime Access Account

Freedom Plus Account

Platinum Plus Account

Special Purpose Account

An explanation of comparison interest rates

Compare with caution

Fixed Rates¹⁰