Design a home loan to suit you.

With interest rate uncertainty, we can part fix your loan and leave a part variable. The fixed part gives you certainty; the variable part gives you the flexibility to repay extra. It's a home loan that's as unique as you.

A Home Loan Expert can manage the application process from start to finish, give you conditional approval on the spot* and help you design multiple fixed/variable scenarios using our Combination Loan calculator. But if you'd prefer to start designing yourself, just click on the button below.

Apply now

Have us call you now

Email a Home Loan Expert

Find your local branch

Click to find out more.

Pay off your home loan sooner with extra repayments. Read more Our offset option^ can help you reduce your loan balance, and pay off the variable part of your loan sooner. You can also make extra repayments on both the fixed# and variable parts of your loan.
Easy access to additional funds~. Read more Our redraw facility~ gives you easy access to any prepaid amounts from both the fixed and variable parts of your loan, allowing you, for example, to re-style or make extensions to your home.
Design your loan with our Combination Loan Calculator. Read more Our Combination Loan Calculator helps you design your home loan and compare repayments. You can vary the fixed and variable portions of the loan, as well as the amounts, term and frequency to create a loan that's exactly to your taste. You can create 3 different scenarios for your loan, save them and even email them to a Home Loan Expert, so they can help you choose the one that suits you best*. And if you want a second opinion, you can also email your scenarios to a friend. Just click the 'start designing now' button above to begin.
Up to 0.7% p.a. discount+ and no Establishment Fee. Read more With our Premier Advantage Package you can qualify for up to 0.7% p.a. discount on the variable portion of your loan and 0.2% p.a. discount on the fixed portion+. Pay no Establishment Fee and most of the regular fees are replaced by just one annual fee of $395 (excludes Low Doc loans). Check with a Home Loan Expert to see if you qualify.
Our Home Loan Experts are waiting for your call. Read more Alternatively, if you want to have a conversation with a Home Loan Expert, they're waiting for your call on 1300 362 702. Or, save the cost and click the 'have us call you now' button above, and we'll call you right back.

61/39 Part fixed. Part variable. 100% you.

Things you should know:
Information current as at 18 September 2009 and is subject to change. For information on current interest rates please click here. Home loan applications are subject to the Bank's normal lending criteria. Fees and charges and terms and conditions apply and available on request. This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.

*Subject to formal approval and the bank's ability to confirm certain information you provide to us.
^ Not available for fixed rate loan portion.
#Total prepayments up to $25,000 cumulative allowed during the fixed rate period without penalty. Where prepayments exceed this threshold, a break cost and prepayment administration fee may apply.
~ Subject to bank's approval, terms and conditions.
+ 0.7% p.a. discount on variable rate loans of $250,000+. 0.4% p.a. discount on variable rate loans of $150,000-$249,999. 0.2% p.a. discount on amounts over $150,000 on fixed rate property loans. Not available on existing fixed rate loans. You will continue to receive the discount for as long as you remain in the package and continue to meet all qualifying criteria, including payment of the $395 p.a. package fee. The package may be reviewed, amended or withdrawn at any time. Package qualifying criteria, fees and conditions apply and are available on request. These may be varied or new terms and conditions introduced in the future.