Home Loan Interest Rates
You'll love our competitive home loan interest rates:
- Essentials Home Loan - Fixed Rate
- Essentials Home Loan - Standard Variable Rate
- Essentials Home Loan Package - Discounted Rates
- TIO & NTG's My New Home Combined Loan Package
- Territory Home Equity Line of Credit
Essentials Home Loan - Fixed Rate
The certainty and security of a fixed interest rate on your home loan.
| Essentials Home Loan - Fixed Rate | |||
| Fixed Rate Term | Annual Rate | Comparison Rate | |
|---|---|---|---|
| 1 Year | 4.99% | 6.42%* | |
| 2 Year | 4.99% | 6.03%* | |
| 3 Year | 5.25% | 6.00%* | |
| 4 Year | 5.54% | 6.04%* | |
| 5 Year | 5.54% | 5.99%* | |
TIO & NTG's My New Home Loan Package
The combined My New Home package provides Territorians with funding of up to 100% of the value of the property.
| Variable Rate | |||
| Annual Rate | Comparison Rate | ||
|---|---|---|---|
| My New Home Variable Rate | 6.16% | 6.26%* | |
| Fixed Rate | |||
| Fixed Rate Term | Annual Rate | Comparison Rate | |
|---|---|---|---|
| 1 year | 4.99% | 6.42%* | |
| 2 Year | 4.99% | 6.03%* | |
| 3 Year | 5.25% | 6.00%* | |
| 4 Year | 5.54% | 6.04%* | |
| 5 Year | 5.54% | 5.99%* | |
Choice between Variable or Fixed interest rates available on 80% TIO My New Home Loan component of package.
Essentials Home Loans Package - Standard Variable
A fully flexible stand alone home loan.
| Essentials Home Loan - Standard Variable | |||
| Annual Rate | Comparison Rate | ||
|---|---|---|---|
| Standard Variable Rate | 6.16% | 6.26%* | |
Essentials Home Loan Package
A home loan package to reward you for having your banking with us.
| Essentials Home Loan Package - Discounted Rates | |||
| Loan Amount | Discount on Standard Variable |
Comparison Rate | |
|---|---|---|---|
| $150,000- $249,999 | 0.30% | Home Loan Comparison Rate Schedule | |
| $250,000-$349,999 | 0.50% | What is a comparison rate? | |
| $350,000-$699,999 | 0.60% | ||
| $700,000 & above | 0.70% | ||
Territory Home Equity Line of Credit
Access to the equity in your home when you need it.
| Territory Home Equity Reference Rate | 6.31% |
|---|
Home Loan Comparison Rate Schedule
Interest Rates are effective from 14 May 2013 and are subject to change.
*Comparison rate calculated on a loan amount of $250,000 over 25 years.
Normal lending criteria, terms, conditions, fees and charges apply and are available in full on application. TIO is government guaranteed and not regulated by APRA.
Warning: These comparison rates apply only to the example or examples given. Different amounts and term 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.
Â