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Rates & Products

Every M+ Home Loan comes with great benefits

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Ok, we all know the old saying "if it sounds too good to be true, then it probably isn't".

Well, here's the best news yet. Our interest rates are lower than all of the major banks! Take a look at the comparison table below and see for yourself.

So not only do you get a low interest rate, you also get one of our fantastic benefits included!

  ANZ CBA NAB WBC M+
Standard Variable Rate 7.80% 7.81% 7.67% 7.86% 7.42%
Comparison Rate 7.90% 7.94% 7.80% 7.99% 7.48%
Source: The interest rates displayed in the table has been sourced from the respective banks own websites.

What really sets us apart is the fact that we look at our customers' lives as a whole. Some of our competitors would have you think that you have two wallets; one for your home loan repayments and the other for everything else. We know that you only have one wallet and it's important to ensure you get the most value for your hard earned dollars.

We don't just give you a home loan at a discounted rate over the first 12 months. We look at your individual circumstances to see what additional value we can offer you over the life of your loan to make a real difference to your everyday life.

Loan Interest Rate pa Comparison Rate* Application Fee On-going Fees Fuel or Health Benefit
Standard Variable Loans
Privilege 7.22% 7.60% Nil $375 ✓
HomeLife 7.42% 7.48% Nil Nil ✓
HomeLife+ 7.62% 7.68% Nil Nil ✓
Oxygen 7.67% 7.73% Nil Nil ✓
Oxygen+ 7.32% 7.70% Nil $375 ✓
Line of Credit
Latitude 7.77% N/A Nil Nil ✓
Low Documentation Loans
Oxygen Freedom 7.97% 8.03% Nil (limited time) Nil ✓
HomeLife Freedom + 8.17% 8.23% Nil Nil ✓
Oxygen Freedom + 8.22% 8.28% Nil (Limited time) Nil ✓
HomeLife Freedom 7.92% 7.98% Nil Nil ✓
Term Interest Rate pa Comparison Rate* Fuel or Health Benefit
Fixed Rate Loans
1 Year 7.49% 7.31% ✓
2 Year 7.59% 7.36% ✓
3 Year 7.75% 7.45% ✓
4 Year 8.10% 7.63% ✓
5 Year 8.20% 7.75% ✓
10 Year 9.20% 8.81% ✓

*The comparison rates for each of the products contained in this table are based on a secured loan of $150,000 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.

Rates effective 26 January 2011. This information is subject to change without notice.

PDF Comparison Rates (36kb) Download
 

*The comparison rates for each of the products contained on this page are based on a secured loan of $300,000 over a term of 30 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.