Home purchase, refinancing or upgrading
Whatever your situation, we can offer support from our team of expert Personal Bankers, who are here to provide you with a helping hand throughout the process. We never forget that it all starts with you. And, if you’re a member of superannuation fund MyLife MySuper or Catholic Super, you can enjoy exclusive member rates to help get you into your home faster.
We're proud to provide you with real value
Variable and comparison rate
Member rate
| Rate type | Principal and interest |
| Purpose | To live in |
| Variable rate | 3.14% p.a. |
| Comparison rate | 3.14% p.a. |
| Application fee waived | |
| Loan package fee waived | |
| Upfront costs covered (saving $1,004*) | |
| Fee free offset account | |
| Fee free redraw facility | |
| Fee free additional repayments | |
| New and established dwellings and off the plan purchases | |
| House and land packages and construction loans | |
| Minimum loan amount | $200,000 |
| Maximum loan amount | $1,500,000 |
| Minimum deposit^ | 20% |
General rate
| Rate type | Principal and interest |
| Purpose | To live in |
| Variable rate | 4.55% p.a. |
| Comparison rate | 4.97% p.a. |
| Application fee waived | |
| Loan package fee waived | |
| Upfront costs covered | |
| Fee free offset account | |
| Fee free redraw facility | |
| Fee free additional repayments | |
| New and established dwellings and off the plan purchases | |
| House and land packages and construction loans | |
| Minimum loan amount | $200,000 |
| Maximum loan amount | $1,500,000 |
| Minimum deposit | 20% |
Our member rates are available to members of MyLife MySuper or Catholic Super superannuation funds.
^For deposits >5% but less than 20%, applicable member rate will be 3.99%. Lenders Mortgage Insurance will apply.
Ready to take the next step?
Applications are straightforward, and our team of lending specialists are here to discuss your options.
Need information or help? Our team of lending specialists are here for you from application to settlement. Call us on 03 9629 4484
Tools to help you prepare
Thinking about refinancing your home loan?
General information
Application fees
- Home loan - application fee: Waived
- Home loan - top up application fee: Waived
Other home lending fees
- Loan package fee**: Waived
- Valuation fee: Waived
- Discharge of mortgage fee: At cost
For a full list of our fees and charges, please read our Supplementary Product Disclosure Statement (Schedule of Fees and Charges).
*We’ll cover your upfront costs, including mortgage documentation fees, valuation fees, registration and discharge of mortgage, and the verification of identity fee via Australia Post. Other refinancing fees and charges may apply, such as exit fees from your current provider.
^We can approve home and investment loans with as little as 5% deposit, however where the deposit is less than 20% of the value of the home, lenders mortgage insurance is required with the premium being covered by you. For these loans, an interest rate of 0.20% above the applicable rate will apply.
**Loan package fee includes access to the offset account and redraw facilities.
Application fees
- Home loan - application fees: $695.00
- Home loan - top up application fees: $250.00
Other home lending fees
- Loan package fee**: $395.00 p.a.
- Valuation fee: At cost
- Discharge of mortgage fee: At cost
For a full list of our fees and charges, please read our Supplementary Product Disclosure Statement (Schedule of Fees and Charges).
^We can approve home and investment loans with as little as 5% deposit, however where the deposit is less than 20% of the value of the home, lenders mortgage insurance is required with the premium being covered by you. For these loans, an interest rate of 0.20% above the applicable rate will apply.
**Loan package fee includes access to the offset account and redraw facilities.
Applications generally take 30-60 minutes.
Once an application with all supporting documents has been received by MyLife MyFinance, a pre-approval decision will generally be provided within two business days.
There is no qualifying period for loans to receive member benefits.
No penalty for additional loan repayments or early pay-out on variable rate loans.
Comparison rate calculated on $150,000 loan over 25 years. Care should be taken in using this comparison rate. The comparison rate is accurate only for the example given as other factors including government fees and charges, redraw fees or fees for early repayment, may influence the final cost of the loan.