Standard Variable Rate Home Loan

A premium home loan with flexible options.

Our Standard Variable Rate Home Loan has no monthly fee and offers great flexibility with a competitive variable interest rate and three-month pre-approval.

Choose to offset your mortgage with a Mortgage Offset Account and save on interest. You can also choose interest-only repayments3. Purchase your new home or investment property; build a new home; or finance your renovations with this premium home loan. Get in touch with us today to start enjoying the benefits of our variable rate home loan.

Interest rate

Comparison rate

Standard variable owner occupied home loan up to 90% LVR.


Flexible, variable interest rate

  • Competitive, variable interest rate
  • Three-month pre-approval. We can approve your loan three months in advance so you can search for your home or property with confidence.
  • Borrow up to 95% of the value of the security property1
  • Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments.
  • Redraw option. Withdraw any extra repayments you have made, or you could enjoy a repayment holiday2.
  • Split your loan. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest.
  • Mortgage offset available
  • Parent Equity available
  • Flexible principal and interest repayment options. Make additional repayments without penalty and choose your payment frequency from weekly to monthly.
  • Bridging finance available
  • Discounted interest rates available for Pinnacle Plus customers!3
  • A pre-approved overdraft limit4



  • Establishment fee: $4455
  • Settlement fee: $150
  • Monthly service fee: $0


Home Loan Repayments

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* Interest rate is current as of 27/04/2017.

1. Lenders Mortgage Insurance is required where the loan is greater than 80% of the value of the security property. This may vary based on the location of the property. Higher interest rates apply on loans where the LVR is more than 90%.
2. Redraws and repayment holidays are subject to approval. Fees and charges may be payable for the redraw facility.
3. Pinnacle +plus package is available to customers with combined balances of $200,000 or more in eligible loans and deposits. Other eligibility, terms and conditions apply. For the period 11/5/2014 to 31/8/14 package benefits apply to all new eligible mortgage secured loans greater than $50,000.
4. Pre-approved overdraft limits up to $5,000 to approved applicants.
5. Other upfront fees including valuation fees and government charges are payable.

Comparison rates are based on a loan of $150.000 with monthly repayments over a term of 25 years. 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.
Interests are subject to change without notice.

Terms, conditions, fees, charges and normal lending criteria apply. Full details are available in our loan offer or on request.


The Total Home Loan Package
The Total Home Loan Package
We've got home loans all wrapped up.
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