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60 month $5k+ |
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Loan Interest Rates
Loan interest is calculated daily by multiplying the unpaid balance of the account at the end of the day by the daily percentage rate. The daily percentage rate is the Annual Percentage Rate divided by 365. Interest is charged monthly and on the day you pay the balance of the loan. All rates quoted are Annual Percentage Rates. Fees and charges are payable. Terms and conditions available on request. Rates are subject to change without notice.
Loan rates effective 27 February 2013
HOME LOANS (owner occupied and investment purposes)
|
Home Loans |
Interest Rate |
Comparison Rate |
| Introductory 1-year Fixed Home Loan - rate applies for first 12 months - redraw facility available |
5.15% p.a.* | 6.26% p.a.** |
| Introductory 1-year Fixed Home Loan (first home buyer option) | 5.15% p.a.* | 6.22% p.a.** |
| The Base Variable Home Loan | 5.85% p.a. | 5.98% p.a.** |
| Standard Variable Home Loan - redraw facility available |
6.25% p.a. | 6.38% p.a.** |
| One Year Fixed Rate | 5.35% p.a.* | 6.28% p.a.** |
| Two Year Fixed Rate | 5.15% p.a.* | 6.16% p.a.** |
| Three Year Fixed Rate | 5.45% p.a.* | 6.15% p.a.** |
| Four Year Fixed Rate | 5.75% p.a.* | 6.19% p.a.** |
| Five Year Fixed Rate | 5.85% p.a.* | 6.20% p.a.** |
| HomePlus line-of-credit Roll all your account into one with HomePlus. HomePlus is a flexible equity loan that can also act as your main transaction account, savings account, investment loan and more. |
6.60% p.a. | N/A |
| * Reverts to Standard Variable Home Loan interest rate currently: | 6.25% p.a. | 6.38% p.a.** |
** Comparison rate calculated on a secured loan amount of $150,000 over a term of 25 years based on monthly repayments.
WARNING: This comparison rate applies only to the example or 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.
PIONEER BANKING PACKAGE (for loans funded from 1 January 2012)
| Home Loans |
Interest Rate |
Comparison Rate |
| Standard Variable Home Loan $200,000 - $499,999 $500,000 or more |
5.65% p.a. 5.50% p.a. |
5.89% p.a.*** 5.60% p.a.+ |
| One Year Fixed Rate | 5.15% p.a. | 5.84% p.a.*** |
| Two Year Fixed Rate | 4.95% p.a. | 5.75% p.a.*** |
| Three Year Fixed Rate | 5.25% p.a. | 5.78% p.a.*** |
| Four Year Fixed Rate | 5.55% p.a. | 5.85% p.a.*** |
| Five Year Fixed Rate | 5.65% p.a. | 5.89% p.a.*** |
*** Comparison rate calculated on a secured loan amount of $200,000 over a term of 25 years based on monthly repayments.
+ Comparison rate calculated on a secured loan amount of $500,000 over a term of 25 years based on monthly repayments.
WARNING: This comparison rate applies only to the example or 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.
Pioneer Banking Package terms and conditions and eligibility criteria apply, including a minimum total borrowing of at least $200,000 across eligible Package Loans.
CAR LOANS, PERSONAL LOANS, PERSONAL LINE-OF-CREDIT (OVERDRAFTS) AND VISA CARDS
| CAR LOANS | Interest Rate | Comparison Rate |
| Fixed Rate Car Loan (secured) - for new cars or cars up to 3 years old - fixed for the term of the loan |
8.49% p.a. | 9.08% p.a.^ |
| Variable Rate Car Loan (secured)# - for the purchase of, and secured by a new car only |
11.40% p.a. | 11.99% p.a.^ |
| PERSONAL LOANS | Interest Rate | Comparison Rate |
| Fixed Rate Personal Loan (secured)# - fixed for the term of the loan |
9.40% p.a. | 9.99% p.a.^ |
| Variable Rate Personal Loan (secured)# | 12.50% p.a. | 13.08% p.a.^ |
| Variable Rate Personal Loan (unsecured)# | 15.00% p.a. | 15.54% p.a.~ |
| Variable Rate Eco Personal Loan (unsecured) | 12.00% p.a. | 12.55% p.a.~ |
| STUDENT OPTIONS | Interest Rate | Comparison Rate |
| Student Personal Loan - variable (unsecured)# | 14.00% p.a. | 14.00% p.a.^ |
| Student Visa card with credit facility | 15.00% p.a. | N/A |
| PERSONAL LINE-OF-CREDIT (OVERDRAFTS) AND CARDS | Interest Rate | Comparison Rate |
| Personal line-of-credit (overdraft) - attached to Day to Day Account |
16.50% p.a. | N/A |
| Visa card with credit facility | 15.25% p.a. | N/A |
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Visa card with credit facility for Members who have home loans with SERVICE ONE |
6.25% p.a. | N/A |
| PERSONAL LOANS - SECURED OR UNSECURED (products no longer for sale) |
Interest Rate | Comparison Rate |
| Personal loan interest rates depend on amount borrowed, credit history and credit worthiness Date withdrawn: 30 June 2011 |
14.00% p.a. 14.50% p.a. 15.95% p.a. |
14.58% p.a.^ 15.08% p.a.^ 16.53% p.a.^ |
^ Comparison rate calculated on a secured loan amount of $30,000 over a term of 5 years based on monthly repayments.
~ Comparison rate calculated on an unsecured loan amount of $30,000 over a term of 5 years based on monthly repayments.
WARNING: This comparison rate applies only to the example or 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.
# Available for new loan applications approved from 1 July 2011.
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