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Complete Home Loan

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For all your home loan needs – the Complete Home Loan

2-year Fixed Rate
(Owner Occupier, Principal + Interest Repayments)

5.49% pa1
Interest Rate

4.05% pa2
Comparison Rate

  • 100% offset across all fixed and variable Complete Home Loan options
  • access additional repayments using online redraw
  • loan terms up to 30 years (interest only up to 5 years)

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Why choose a loan option as part of the Complete Home Loan?




for new home purchases or refinances of existing loans


Loan-to-Value Ratio (LVR) tiered pricing for variable rate


1, 2, 3, 4, 5 fixed rate options


Principal and Interest or Interest Only repayments available


weekly, fortnightly or monthly repayments


dedicated SERVICE ONE lender to assist you through the process

“When establishing my home loan, accounts and credit card, all the staff involved were professional, prompt and knowledgeable and gave me their name and direct number to contact them when needed.” - Robyn

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Have questions? We might just have the answer...

  Q: What is an LVR?

A: The Loan-to-Value Ratio (LVR) is determined by dividing the amount of the loan by the value of the property held as security against the loan. For instance, if the loan balance is $600,000 and the property is worth $800,000, the LVR is 75%. To understand home loan terminology, check out our home loan glossary.

  Q: What is a comparison rate?

A: This rate takes into account associated fees (including set up costs, monthly and annual fees) so to give you a truer total cost of the loan. So when comparing between lenders, don’t just look at the interest rate.

  Q: I’m attending auctions – how do I organise finance?

A: Sounds like you’ll need a conditional pre-approval. These are valid for up to three months and allows you to attend auctions knowing what you can bid up to. Find out more about our home loan options.

Terms and conditions apply and fees and charges are payable. Lending criteria apply. Full details available on application.

1 Reverts to LVR variable tier that applies at time of funding.

2 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The 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 higher comparison rate. All comparison rates are calculated with a nil offset balance. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in term to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance and so you may pay more interest over the life of the loan. For fixed rates, the comparison rate assumes a variable rate with LVR between 60.01-80% will apply at the end of the fixed period.

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