Variable Rate Loans

If you’re looking for a no-frills loan that still has a range of great features, our Variable Rate could be exactly what you're looking for!

With our Variable Rate Loan you’ll enjoy:

Low establishment fee*
$0 annual fee
$0 account keeping fee
$0 redraw fee
$0 early repayment fee
100% offset account available (for Principal and interest loans only)
Borrow up to 95% of the property value (with mortgage insurance)
$100 free monthly transaction allowance to use at ATMs, and EFTPOS etc.^

Comparison rate 6.48%p.a.^#Assumes a loan for $150,000.

Our rate:
6.44% pa

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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.}

_{* Establishment fee of $600 applies to this loan.}