Split Home Loans: Fixed + Variable

This is a great way to hedge your bets. If you’d like the security of having part of your loan at a fixed rate with the remaining portion at a variable rate, then this could be the loan for you!

With a Split Home Loan, you can specify exactly how much of your loan is secured at a fixed rate and then leave the remaining amount at a variable rate.

Get the best of both worlds with our Split Rate Loan and enjoy:

$0 establishment fee if splitting Step Ahead Loan
$0 annual package fee
$0 account keeping fee
$0 redraw fee (available on the variable portion)
Borrow up to 95% of the property value (with mortgage insurance)
100% offset account available (for Principal and interest loans)
$100 free monthly transaction allowance to use at ATMs, and EFTPOS etc.^

Our rate:
6.34% pa
Fixed rate

Comparison rate 6.47%p.a. Based on a 1 year fixed rate with a loan amount of $150,000 over 25 years.

Current interest rates:

Choose what portion you'd like to put into your Fixed and Variable Split Rate Home Loan.

Fixed Rate

Loan Type	Interest Rate pa	Amount	Term	Comparison Rate pa ^#
1 year	6.34%	$150,000	25 years	6.47%
2 years	6.34%	$150,000	25 years	6.46%
3 years	6.49%	$150,000	25 years	6.50%

_{Current as at 14 May 2012}

Variable Rate

Term	Interest Rate pa	Amount	Term	Comparison Rate pa ^#
Variable	6.44%	$150,000	25 years	6.48%

_{Current as at 14 May 2012}

Calculate

Use our calculators to see what your repayments will be.

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Both Members and non-Members can apply for a loan or membership using the same online form.

_{Loans are subject to approval. Terms and conditions, fees, charges, and lending criteria apply.}

_{#WARNING: This comparison rate applies to the example or the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A monthly repayment frequency and a term of 25 years have been used to calculate our comparison rate. Our comparison rate schedule is available here.}

_{^ $100 free monthly transaction allowance for savings accounts within the same membership, based on total loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000.}