Home loan rates
Rates valid from 07 December 2024
| Term |
Special Rates P.A* |
Standard Rates P.A. |
| Residential Floating Rate / First Home Loan Floating Rate ** |
7.49% |
| Residential Investing Floating Rate ** |
|
7.99% |
| 6 months fixed |
6.24% |
6.84% |
| 1 year fixed |
5.89% |
6.49% |
| 18 months fixed |
5.59% |
6.19% |
| 2 years fixed |
5.49% |
6.09% |
| 3 years fixed |
5.69% |
6.29% |
| 4 years fixed |
5.69% |
6.29% |
| 5 years fixed |
5.69% |
6.29% |
| Default interest Rate*** |
8.00% |
8.00% |
* These rates are only available for Residential Home Loans with at least 20% equity and Residential Investing Lending with at least 30% equity, or First Home Loans with at least 5% equity.
** Effective rate for new customers from 29 November 2024. Effective rate for existing customers from 29 December 2024
*** Charged above the Home Loan Rate on the default amount if you do not make a payment when it is due.
Home Loans Calculators
FirstHome Combo: Rate and discount are for first home buyers only and are subject to change. First Home Loan, residential lending and eligibility criteria, and minimum equity apply. Lending Standard Contract Terms and FirstHome Combo Terms and Conditions along with Credit Fees and Charges (including a 0.50% First Home Loan Premium Fee for First Home Loans) also apply and are available on request and free of charge by clicking the above links, from any branch of SBS Bank, or by calling us on 0800 727 2265.
Home loans: These rates apply to Residential Investing lending and Residential Home Loans only, excluding Reverse Equity Mortgages, and are subject to change. Specific lending and eligibility criteria apply. Lending Standard Contract Terms along with Credit Fees and Charges also apply and are available on request and free of charge by clicking the above links, from any branch of SBS Bank, or by calling us on 0800 727 2265.