Home / Investment Loans

Bricks and mortar. There’s no purchase in life quite so significant. And whether you’re buying your first home, a holiday home, or even an investment property – we have a range of home loans that can help.

From our basic low rate home loan, to fixed and variable options, to the ability to access your equity whenever you like, there’s a home loan designed to suit you.

Basic Variable Home Loan

A low ongoing variable rate, low monthly fees, and the ability to make additional repayments to pay off your home loan sooner. It couldn’t be simpler.

For you:

If low fees are more important than extra features

If you’re looking to pay a consistent amount during the full loan term

Standard Variable Home Loan

With a 100% Offset Account facility, the option to redraw on advance payments, and access to a Fee Free Transaction Account**, our Standard Variable home loan gives you the flexibility to manage your mortgage your way.

It's a great option if you're looking to refinance your home, build something from scratch, or undertake major rennovations.

For you:

If you want a loan under $250,000

If you value extra features

Reward Rate Home Loan

If you’re borrowing over $250,000 and have your pay deposited with us, then our Reward Rate loan could be perfect for you. You’ll receive a 0.55% discount on the Standard Variable rate for the life of your loan – as a little thank you for your membership.

For you:

If you want a loan over $250,000

If your salary is paid into a Catalyst account

Fixed Rate Home Loan

Forget about what the market is doing. The Fixed Rate home loan ensures you always know exactly what your repayments will be.

Choose from a 1 to 5 year fixed term, with flexible repayment options to suit your needs.

For you:

If you want to secure yourself against interest rate rises

All in One Home Loan

If you’re looking to access the equity in your property, this is the loan for you. Our All-in-one home loan allows you to borrow up to 80% of your property’s value, and gives your access to it anytime through your linked Visa Debit Card. So now you can manage all your finances from the one account.

For you:

If you’re an investor or home owner

If you want to streamline your finances and save money on repayments

Flying Start Home Loan

We know how tough it can be as a first home buyer. So we created the Flying Start home loan, to help get you off on the right foot.

Get a reduced interest rate from the standard variable rate for the first 12 months, and enjoy the added benefits of flexible repayments, redraw available on advanced payments – as well as access to a Fee Free Transaction Account.**

For you:

If you’re a first home buyer on a tight budget

Useful Links and Tools

• Read our home loan FAQs
• Use our calculators to see how much you can borrow
• View our interest rates
• View our fees and charges
• More Information about Responsible Lending

_{**Fee Free relates to account keeping and transaction fees applied by Catalyst Mutual. Other fees and charges may apply. Normal lending criteria, terms and conditions, fees and charges apply. Please refer to the Credit, Fees and Charges schedule for current details on fees and charges applicable to our Standard Variable Home Loan. *Based on a loan for an amount of $150,000 secured over a term of 25 years. #The interest rate is 1.30% below the Standard Variable rate for a period of 12 months for new loans approved from 15 Dec 2011. For loans approved prior to 15 Dec 2011 the interest rate is 1.25% below the Standard Variable rate for a period of 12 months. After 12 months the rates revert back to the standard variable rate applying at that time. Warning: the comparison rate only applies to the example or examples given above. 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. Interest rates effective 20/02/2012 and are subject to change.}