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✓ are at least 18 years of age,
✓ are a citizen or permanent resident of Australia,
✓ are currently in paid employment,
✓ have not been bankrupt.
As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated home loan specialist.
We're an award-winning customer-owned bank, putting people and community before profit.
Excellent customer service and very easy to talk to and ask questions. Smooth process transferring mortgage over and fixing rate. Excellent response time - very quick and easy to get a hold of an actual person. Highly recommend.
We will accept your application by telephone, online or in person at one of our branches. Our Home Loan Application Checklist and Guide can help you through every step of the process. For more information view our Home Loan Application Process Page.
Once you've submitted your application and supporting information, conditional approval is usually obtained within 48 hours, subject to satisfactory credit checks and verification of financial and property information. Your Home Loan Specialist can provide more information about approving your loan.
Yes, we offer the option for you to divide your home loan into multiple accounts across different variable rate products so you can access the different loan features in the way that suits you.
A redraw facility allows you to take back the extra payments you have made on your loan account. For example, your minimum monthly loan repayments are $3,000. If you pay $3,200 each month for a period of 6 months you'll have paid an additional $1,200 on top of your minimum repayments. The redraw facility allows you to access that extra $1,200 if required.
T&Cs, fees, charges and lending criteria apply. Apps from 18 May 2023 for owner-occupied loans, principal and interest, deposits 20% or more.
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3 An establishment fee of $600 applies to this loan.
Normal lending criteria, terms and conditions and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.
Interest only subject to approval. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
You should read and consider the relevant terms and conditions (available on request) and our Financial Services Guide before deciding whether to obtain any of our financial products or services.