Our Ultimate Home Loan Package bundles together your home loan, an everyday account & our low rate credit card. Establishment fee waivers on personal loans, no annual fee on a visa credit card, access to discounted general insurance under our package.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.44% | 6.45% | Variable · investment · interest only · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.64% | 6.65% | Variable · investment · interest only · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.44% | 6.45% | Variable · investment · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.64% | 6.65% | Variable · investment · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.24% | 6.25% | Variable · owner occupied · interest only · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.44% | 6.45% | Variable · owner occupied · interest only · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.24% | 6.25% | Variable · owner occupied · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.44% | 6.45% | Variable · owner occupied · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 8.84% | 8.91% | Variable · unconstrained · interest only | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 8.49% | 8.81% | Variable · unconstrained · principal and interest | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/15- Content hash
sha256 7cc0bcf0f3640f6acd620b19559864f87437f8a06b93b3fdd6c7446d1b7717da- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7cc0bcf0f3640f6a_55e34829Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/15- Content hash
sha256 7cc0bcf0f3640f6acd620b19559864f87437f8a06b93b3fdd6c7446d1b7717da- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Package Fee | Periodic | $395.00 |
| Lenders Mortgage Insurance | Other | Set in your letter of offer |
| Mortgage Settlement Fee | Event | $450.00 |
| In Branch Redraw Fee | Event | $8.00 |
| Online Redraw Fee | Event | $0.00 |
| Val Fee - PropertyHub | Upfront | $50.00 |
| Other Credit Fees | Other | Set in your letter of offer |
| Arrears Letter Fee - Second Arrears Letter | Event | $40.00 |
| Arrears Letter Fee - Default Notice prior to Enforcement | Event | $70.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Complementary product discounts | Up to 10% discount for the first 12 months on CGU home and contents insurance. | |
| Complementary product discounts | Home Loan Establishment fee waived whilst an Ultimate Home Loan Package is held. | |
| Complementary product discounts | Personal Loan Establishment fee waived whilst an Ultimate Home Loan Package is held. | |
| Complementary product discounts | No annual fee on Visa credit card and Visa My Rewards | |
| Digital banking | ||
| Extra repayments | No penalties for extra repayments on variable rate loans | |
| Offset | 100% Mortgage Offset account available | |
| Other | Discounted variable or fixed interest rate owner-occupied loans | |
| Other | Payments can be arranged weekly, fortnightly or monthly. | |
| Other | Loan Terms up to 30 Years. | |
| Other | Split Loan Available. Multiple owner-occupied and residential investment home loans are available under the one package fee | |
| Redraw | ||
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: residency status | Loans are available to members of the bank who are permanent residents of Australia and currently live in Australia. | |
| Limit: max lvr | 95.00 | |
| Limit: min limit | 100000.00 | |
| Limit: min lvr | 0.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.24% | 6.25% |
| Variable · investment · interest only · LVR 80%–95% | 1 Nov 2026 | Current | 6.64% | 6.65% |
| Variable · owner occupied · interest only · LVR 80%–95% | 1 Nov 2026 | Current | 6.44% | 6.45% |
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.24% | 6.25% |
| Variable · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.44% | 6.45% |
| Variable · unconstrained · principal and interest | 1 Nov 2026 | Current | 8.49% | 8.81% |
| Variable · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.44% | 6.45% |
| Variable · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.44% | 6.45% |
| Variable · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.64% | 6.65% |
| Variable · unconstrained · interest only | 1 Nov 2026 | Current | 8.84% | 8.91% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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