Commercial lending
Effective: 29 August 2025
| Loans and Overdrafts | Effective | Rate |
|---|---|---|
| Variable base rate | 29/08/2025 | 7.85% |
| Overdraft base rate | 29/08/2025 | 7.95% |
| Escrow base rate | 29/08/2025 | 9.95% |
Residential lending
* A negative or positive margin may apply to the rate to determine the annual percentage rate.
Effective: 29 August 2025
| Owner occupied home loan | Effective | Rate |
|---|---|---|
Variable principal and interest home rate |
29/08/2025 | 8.87% |
| Variable interest only home rate | 29/08/2025 | 9.41% |
| Residential investment home loan | Effective | Rate |
| Variable principal and interest home rate | 29/08/205 | 9.52% |
| Variable interest only home rate | 29/08/2025 |
9.90% |
| Line of credit | Effective | Rate |
| Variable line of credit | 29/08/2025 | 9.36% |
| Variable interest only line of credit | 29/08/2025 | 9.85% |
| Plus Home Loan | Effective | Rate |
| Variable principal and interest plus home rate | 29/08/2025 | 8.69% |
| Variable interest only plus home rate | 29/08/2025 | 8.74% |
| Variable principal and interest plus investor rate | 29/08/2025 | 9.23% |
| Variable interest only plus investor rate | 29/08/2025 | 9.23% |
| Residential Top Up Loan (B6 Agreement) | Effective | Rate |
| Variable principal and interest top up home rate | 29/08/2025 | 8.83% |
| Variable interest only top up home rate | 29/08/2025 | 8.92% |
| Variable principal and interest top up investor rate | 29/08/2025 | 9.27% |
| Variable interest only top up investor rate | 29/08/2025 | 9.31% |
| Basic Home Loan - Owner Occupied | Effective | Rate |
| Variable principal and interest home rate | 29/08/2025 | 7.27% |
| Variable interest only home rate | 29/08/2025 | 8.03% |
| Basic Home Loan - Investment | Effective | Rate |
| Variable principal and interest investor rate | 29/08/2025 | 7.34% |
| Variable interest only investor rate | 29/08/2025 | 8.05% |
| Residential Top Up Loan | Effective | Rate |
| Residential top up base rate | 29/08/2025 | 7.41% |
Consumer lending
| Consumer Overdrafts | Effective | Rate |
|---|---|---|
| Variable One-Account Overdraft Rate |
01/05/2025 | 14.19% |
| Variable Personal Overdraft Rate | 29/08/2025 | 7.85% |
