True Standard Home Loan
No fuss - A good deal
This home loan has simple features that make it a great deal. Save money, save time and save headaches!
Save Money!
 | First home owners grant can be used as part of deposit – that’s $14,000! |
| No account keeping fees & no charge for extra repayments |
| 100% offset account option |
Save Time / Enjoy Convenience
| Free phone and internet banking |
| Flexible repayment options |
| Direct salary crediting option |
Personal Service!
| Exceptional personal service from your Member Services Officers |
| A mobile lender can visit you at your worksite |
The nuts and bolts of this home loan:
| The interest rate | |
|---|---|
| Interest rate | |
| Interest rate guaranteed | Interest rate will always be below the Big Four Bank’s Standard Variable Home Loan |
| Interest charges | Calculated daily, Charged monthly |
| About the loan's term | |
| Minimum amount | $30,000 |
| Maximum amount | 80% of the property value; 95% of the property value with Mortgage Insurance; 70% land only |
| Type of loan | Principle and Interest |
| Loan period | 5-30 years |
| Minimum top-up | $10,000 |
| Features | |
| Transaction fee allowance | Yes – Maximum $40 per month. |
| First home owners part of deposit | Yes |
| Repayments | Monthly / Fortnightly / Weekly |
| Flexible repayment options | Payroll, cheque/cash, NAB deposit, transfer, or via Electronic funds transfer |
| Redraw facility | Yes, Minimum amount only $100 |
| Offset account option available | Yes |
| Mobile lender available | Yes (in some areas) |
| Internet/phone banking | Free |
| Loan Fees | |
| Fees | View our Fees and Charges |
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Learn More
Read the great benefits of our loans Review our FAQs to help you assess our loans Calculate future payments with our online loan calculator
Questions?
*Comparison rate based on $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate schedule is available here. Loans: Terms and conditions, fees and charges available upon application. Fees and charges may apply. Interest rates are variable and subject to change without notice. Usual lending criteria applies.
