Home Loan Interest Rates

OWNER OCCUPIED

FIRST HOME LOAN⁵ (L28)
80% – 95% LVR
Variable Rate 5.84% p.a.	Comparison Rate* 5.92% p.a.
1 Year Fixed Rate 5.89% p.a.	Comparison Rate* 5.92% p.a.
2 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.91% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.85% p.a.
5 Year Fixed Rate 6.69% p.a.	Comparison Rate* 6.29% p.a.

FIRST HOME LOAN – INTEREST ONLY⁵ (L28)
80% – 95% LVR
Variable Rate 5.84% p.a.	Comparison Rate* 5.91% p.a.
1 Year Fixed Rate 6.29% p.a.	Comparison Rate* 5.96% p.a.
2 Year Fixed Rate 5.79% p.a.	Comparison Rate* 5.91% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 5.85% p.a.

GOLDRATE HOME LOAN (L21)
UP TO 60% LVR
Variable Rate 6.29% p.a.	Comparison Rate* 6.37% p.a.
1 Year Fixed Rate 5.89% p.a.	Comparison Rate* 6.33% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.31% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 6.17% p.a.
5 Year Fixed Rate 6.74% p.a.	Comparison Rate* 6.57% p.a.
UP TO 80% LVR
Variable Rate 6.34% p.a.	Comparison Rate* 6.42% p.a.
1 Year Fixed Rate 5.89% p.a.	Comparison Rate* 6.37% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.35% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 6.21% p.a.
5 Year Fixed Rate 6.79% p.a.	Comparison Rate* 6.62% p.a.
UP TO 95% LVR Available For The ACT Land Rent Scheme With LVR Up To 90%
Variable Rate 6.39% p.a.	Comparison Rate* 6.47% p.a.
1 Year Fixed Rate 5.89% p.a.	Comparison Rate* 6.42% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.39% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 6.24% p.a.
5 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.67% p.a.

GOLDRATE HOME LOAN – INTEREST ONLY (L21)
UP TO 60% LVR
Variable Rate 6.39% p.a.	Comparison Rate* 6.41% p.a.
1 Year Fixed Rate 6.44% p.a.	Comparison Rate* 6.38% p.a.
2 Year Fixed Rate 6.14% p.a.	Comparison Rate* 6.34% p.a.
3 Year Fixed Rate 5.94% p.a.	Comparison Rate* 6.27% p.a.
5 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.60% p.a.
UP TO 80% LVR
Variable Rate 6.44% p.a.	Comparison Rate* 6.46% p.a.
1 Year Fixed Rate 6.49% p.a.	Comparison Rate* 6.43% p.a.
2 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.39% p.a.
3 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.32% p.a.
5 Year Fixed Rate 6.89% p.a.	Comparison Rate* 6.65% p.a.
UP TO 95% LVR
Variable Rate 6.49% p.a.	Comparison Rate* 6.51% p.a.
1 Year Fixed Rate 6.54% p.a.	Comparison Rate* 6.48% p.a.
2 Year Fixed Rate 6.24% p.a.	Comparison Rate* 6.44% p.a.
3 Year Fixed Rate 6.04% p.a.	Comparison Rate* 6.37% p.a.
5 Year Fixed Rate 6.94% p.a.	Comparison Rate* 6.70% p.a.

BRIDGING HOME LOAN – INTEREST ONLY
UP TO 80% LVR
Variable Rate 7.09% p.a.	Comparison Rate* 6.31% p.a.

CUSTOMS VALUE HOME LOAN³(L24)
UP TO 60% LVR
Variable Rate 6.24% p.a.	Comparison Rate* 6.32% p.a.
1 Year Fixed Rate 5.89% p.a.	Comparison Rate* 6.28% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.27% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 6.14% p.a.
5 Year Fixed Rate 6.69% p.a.	Comparison Rate* 6.52% p.a.
UP TO 90% LVR
Variable Rate 6.29% p.a.	Comparison Rate* 6.37% p.a.
1 Year Fixed Rate 5.89% p.a.	Comparison Rate* 6.33% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.31% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 6.17% p.a.
5 Year Fixed Rate 6.74% p.a.	Comparison Rate* 6.57% p.a.
UP TO 95% LVR Available For The ACT Land Rent Scheme With LVR Up To 90%
Variable Rate 6.34% p.a.	Comparison Rate* 6.42% p.a.
1 Year Fixed Rate 5.89% p.a.	Comparison Rate* 6.37% p.a.
2 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.35% p.a.
3 Year Fixed Rate 5.59% p.a.	Comparison Rate* 6.21% p.a.
5 Year Fixed Rate 6.79% p.a.	Comparison Rate* 6.62% p.a.

CUSTOMS VALUE HOME LOAN – INTEREST ONLY³ (L24)
UP TO 60% LVR
Variable Rate 6.34% p.a.	Comparison Rate* 6.36% p.a.
1 Year Fixed Rate 6.39% p.a.	Comparison Rate* 6.33% p.a.
2 Year Fixed Rate 6.09% p.a.	Comparison Rate* 6.29% p.a.
3 Year Fixed Rate 5.89% p.a.	Comparison Rate* 6.22% p.a.
5 Year Fixed Rate 6.79% p.a.	Comparison Rate* 6.55% p.a.
UP TO 90% LVR
Variable Rate 6.39% p.a.	Comparison Rate* 6.41% p.a.
1 Year Fixed Rate 6.44% p.a.	Comparison Rate* 6.38% p.a.
2 Year Fixed Rate 6.14% p.a.	Comparison Rate* 6.34% p.a.
3 Year Fixed Rate 5.94% p.a.	Comparison Rate* 6.27% p.a.
5 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.60% p.a.
UP TO 95% LVR
Variable Rate 6.44% p.a.	Comparison Rate* 6.46% p.a.
1 Year Fixed Rate 6.49% p.a.	Comparison Rate* 6.43% p.a.
2 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.39% p.a.
3 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.32% p.a.
5 Year Fixed Rate 6.89% p.a.	Comparison Rate* 6.65% p.a.

BRIDGING HOME LOAN – INTEREST ONLY
UP TO 80% LVR
Variable Rate 7.09% p.a.	Comparison Rate* 6.25% p.a.

INVESTMENT – LVR up to 90%

GOLDRATE HOME LOAN (L21)
UP TO 60% LVR
Variable Rate 6.39% p.a.	Comparison Rate* 6.47% p.a.
1 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.42% p.a.
2 Year Fixed Rate 6.14% p.a.	Comparison Rate* 6.42% p.a.
3 Year Fixed Rate 6.04% p.a.	Comparison Rate* 6.37% p.a.
5 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.67% p.a.
UP TO 80% LVR
Variable Rate 6.44% p.a.	Comparison Rate* 6.52% p.a.
1 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.47% p.a.
2 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.47% p.a.
3 Year Fixed Rate 6.09% p.a.	Comparison Rate* 6.42% p.a.
5 Year Fixed Rate 6.89% p.a.	Comparison Rate* 6.72% p.a.
UP TO 90% LVR
Variable Rate 6.49% p.a.	Comparison Rate* 6.57% p.a.
1 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.51% p.a.
2 Year Fixed Rate 6.24% p.a.	Comparison Rate* 6.52% p.a.
3 Year Fixed Rate 6.14% p.a.	Comparison Rate* 6.47% p.a.
5 Year Fixed Rate 6.94% p.a.	Comparison Rate* 6.77% p.a.

GOLDRATE HOME LOAN – INTEREST ONLY (L21)
UP TO 60% LVR
Variable Rate 6.44% p.a.	Comparison Rate* 6.49% p.a.
1 Year Fixed Rate 6.49% p.a.	Comparison Rate* 6.48% p.a.
2 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.43% p.a.
3 Year Fixed Rate 6.09% p.a.	Comparison Rate* 6.38% p.a.
5 Year Fixed Rate 6.89% p.a.	Comparison Rate* 6.68% p.a.
UP TO 80% LVR
Variable Rate 6.49% p.a.	Comparison Rate* 6.54% p.a.
1 Year Fixed Rate 6.54% p.a.	Comparison Rate* 6.53% p.a.
2 Year Fixed Rate 6.24% p.a.	Comparison Rate* 6.48% p.a.
3 Year Fixed Rate 6.14% p.a.	Comparison Rate* 6.43% p.a.
5 Year Fixed Rate 6.94% p.a.	Comparison Rate* 6.73% p.a.
UP TO 90% LVR
Variable Rate 6.54% p.a.	Comparison Rate* 6.59% p.a.
1 Year Fixed Rate 6.59% p.a.	Comparison Rate* 6.58% p.a.
2 Year Fixed Rate 6.29% p.a.	Comparison Rate* 6.53% p.a.
3 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.48% p.a.
5 Year Fixed Rate 6.99% p.a.	Comparison Rate* 6.78% p.a.

CUSTOMS VALUE HOME LOAN³(L24)
UP TO 60% LVR
Variable Rate 6.34% p.a.	Comparison Rate* 6.42% p.a.
1 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.38% p.a.
2 Year Fixed Rate 6.09% p.a.	Comparison Rate* 6.37% p.a.
3 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.32% p.a.
5 Year Fixed Rate 6.79% p.a.	Comparison Rate* 6.62% p.a.
UP TO 80% LVR
Variable Rate 6.39% p.a.	Comparison Rate* 6.47% p.a.
1 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.43% p.a.
2 Year Fixed Rate 6.14% p.a.	Comparison Rate* 6.42% p.a.
3 Year Fixed Rate 6.04% p.a.	Comparison Rate* 6.37% p.a.
5 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.67% p.a.
UP TO 90% LVR
Variable Rate 6.44% p.a.	Comparison Rate* 6.52% p.a.
1 Year Fixed Rate 5.99% p.a.	Comparison Rate* 6.47% p.a.
2 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.47% p.a.
3 Year Fixed Rate 6.09% p.a.	Comparison Rate* 6.42% p.a.
5 Year Fixed Rate 6.89% p.a.	Comparison Rate* 6.72% p.a.

CUSTOMS VALUE HOME LOAN – INTEREST ONLY³ (L24)
UP TO 60% LVR
Variable Rate 6.39% p.a.	Comparison Rate* 6.44% p.a.
1 Year Fixed Rate 6.44% p.a.	Comparison Rate* 6.43% p.a.
2 Year Fixed Rate 6.14% p.a.	Comparison Rate* 6.38% p.a.
3 Year Fixed Rate 6.04% p.a.	Comparison Rate* 6.33% p.a.
5 Year Fixed Rate 6.84% p.a.	Comparison Rate* 6.63% p.a.
UP TO 80% LVR
Variable Rate 6.44% p.a.	Comparison Rate* 6.49% p.a.
1 Year Fixed Rate 6.49% p.a.	Comparison Rate* 6.48% p.a.
2 Year Fixed Rate 6.19% p.a.	Comparison Rate* 6.43% p.a.
3 Year Fixed Rate 6.09% p.a.	Comparison Rate* 6.38% p.a.
5 Year Fixed Rate 6.89% p.a.	Comparison Rate* 6.68% p.a.
UP TO 90% LVR
Variable Rate 6.49% p.a.	Comparison Rate* 6.54% p.a.
1 Year Fixed Rate 6.54% p.a.	Comparison Rate* 6.53% p.a.
2 Year Fixed Rate 6.24% p.a.	Comparison Rate* 6.48% p.a.
3 Year Fixed Rate 6.14% p.a.	Comparison Rate* 6.43% p.a.
5 Year Fixed Rate 6.94% p.a.	Comparison Rate* 6.73% p.a.

Terms & Conditions

Ref: 555

Full terms and conditions available on application. Fees and Charges apply. For credit products lending criteria apply.

* For all Border Bank Home Loans, the comparison rate is based on a loan of $150,000 over a 25 year term. For all Border Bank Car and Personal Loans, the comparison rate is based on a loan of $30,000 over a 5 year term. 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.

3. Customs Value Home Loan only available to current employees of Australian Customs and Border Protection Services and Australian Quarantine Inspection Services.

5. The First Home Loan is only available for applicants that qualify for the First Home Loan Deposit Scheme. Interest Only is only applicable for Construction purposes.