A low advertised rate is a useful starting point, but it does not tell you whether a loan suits you. Your loan amount, property value and whether you will live in the home can affect which rates apply.

A comparison rate includes interest and certain fees for a standard loan. It is not the cost of your loan. Our payment estimate uses the amount and term you enter, the displayed rate and your chosen repayment type. It excludes fees and future rate changes.

Check upfront and annual fees. Consider whether you would use features such as offset, redraw or extra repayments. A fixed rate applies for a set period, while a variable rate can change.

Before applying, check the lender’s current rate, fees, conditions and eligibility rules. An advertised rate is not an offer to you.