Home Loan Interest Rates | Competitive Rates

Current Loan / Credit Facility Interest Rates

Special Rates 1,2 Home Loan

Special Rates 1,2 Home Loan	Interest Rate (p.a.)	Comparison Rate (p.a.)
Equal to or less than 60% LVR	6.14% pa	6.96% pa
Equal to or less than 70% LVR	6.34% pa	7.16% pa

1,2 Home Loan

1,2 Home Loan	Interest Rate	Comparison Rate
Owner occupied- P&I LVR <80%	6.49% pa	7.31% pa
Owner occupied- P&I LVR >80% to <90%	6.59% pa	7.41% pa
Owner occupied- P&I LVR >90%	6.79% pa	7.61% pa
Owner occupied- IO LVR <80%	7.19% pa	8.00% pa
Owner occupied- IO LVR >80% to <90%	7.34% pa	8.15% pa
Owner occupied- IO LVR >90%	7.44% pa	8.25% pa

Mutual Home Loan

Owner Occupied
	P&I		IO
	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
LVR <60%	7.14% pa	7.19% pa	N/A	N/A
LVR >60% - <70%	7.34% pa	7.37% pa	N/A	N/A
LVR >70% - <80%	7.49% pa	7.52% pa	8.19% pa	8.22% pa
LVR >80% - <90%	7.59% pa	7.62% pa	8.34% pa	8.37% pa
LVR >90%	7.79% pa	7.82% pa	8.44% pa	8.47% pa

Investment
	P&I		IO
	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
LVR <80%	7.99% pa	8.02% pa	8.44% pa	8.47% pa
LVR >80% - <90%	8.19% pa	8.22% pa	8.64% pa	8.67% pa

Affinity Home Loan

Affinity Home Loan	Interest Rate (p.a.)	Comparison Rate (p.a.)
Owner Occupied - P&I LVR ≤80%	7.41% pa	7.66% pa
Owner Occupied - P&I LVR >80% to ≤90%	7.51% pa	7.76% pa
Owner Occupied - IO LVR ≤80%	8.01% pa	8.25% pa
Owner Occupied - IO LVR >80% to ≤90%	8.16% pa	8.40% pa
Investment - P&I LVR <80%	7.81% pa	8.05% pa
Investment - P&I LVR >80%	7.99% pa	8.23% pa
Investment - IO LVR <80%	8.26% pa	8.50% pa
Investment - IO LVR >80%	8.46% pa	8.70% pa

First Home Buyer Loan

	Interest Rate (p.a.)	Comparison Rate (p.a.)
Owner occupied \| P&I \| LVR <80%	7.49% pa	7.49% pa
Owner occupied \| P&I \| LVR >80% to <90%	7.59% pa	7.59% pa
Owner occupied \| P&I \| LVR >90%	7.79% pa	7.79% pa
Owner occupied \| IO \| LVR <80%	8.19% pa	8.19% pa
Owner occupied \| IO \| LVR >80% to <90%	8.34% pa	8.34% pa
Owner occupied \| IO \| LVR >90%	8.44% pa	8.44% pa

1 Year Fixed Rate Home Loan

1 year Fixed Rate Home Loan	Interest Rate (No Offset)	Comparison Rate (No Offset)	Interest Rate (With Offset)	Comparison Rate (With Offset)
Owner occupied- P&I LVR <60%	6.19% pa	7.07% pa	6.29% pa	7.08% pa
Owner occupied- P&I LVR <70%	6.29% pa	7.25% pa	6.39% pa	7.26% pa
Owner occupied- P&I LVR <80%	6.39% pa	7.40% pa	6.49% pa	7.41% pa
Owner Occupied- P&I LVR >80% to <90%	6.99% pa	7.55% pa	7.09% pa	7.56% pa
Investment- P&I LVR <80%	7.19% pa	7.93% pa	7.29% pa	7.94% pa
Investment- P&I LVR >80% to <90%	7.24% pa	8.11% pa	7.34% pa	8.12% pa
Investment- IO LVR <80%	7.29% pa	8.34% pa	7.39% pa	8.35% pa
Investment- IO LVR >80% to <90%	7.34% pa	8.52% pa	7.44% pa	8.53% pa

2 Year Fixed Rate Home Loan

2 year Fixed Rate Home Loan	Interest Rate (No Offset)	Comparison Rate (No Offset)	Interest Rate (With Offset)	Comparison Rate (With Offset)
Owner occupied- P&I LVR <60%	5.70% pa	6.88% pa	5.80% pa	6.90% pa
Owner occupied- P&I LVR <70%	5.80% pa	7.05% pa	5.90% pa	7.07% pa
Owner occupied- P&I LVR <80%	5.90% pa	7.19% pa	6.00% pa	7.21% pa
Owner Occupied- P&I LVR >80% to <90%	6.00% pa	7.29% pa	6.10% pa	7.31% pa
Investment- P&I LVR <80%	7.14% pa	7.84% pa	7.24% pa	7.86% pa
Investment- P&I LVR >80% to <90%	7.19% pa	8.00% pa	7.29% pa	8.19% pa
Investment- IO LVR <80%	7.39% pa	8.24% pa	7.49% pa	8.26% pa
Investment- IO LVR >80% to <90%	7.44% pa	8.41% pa	7.54% pa	8.43% pa

HomeBuilder Loan

HomeBuilder Loan	Interest Rate (p.a.)	Comparison Rate (p.a.)
Owner Occupied - P&I LVR ≤80%	6.92% pa	6.95% pa
Owner Occupied - P&I LVR >80% to ≤90%	7.02% pa	7.05% pa
Owner Occupied - P&I LVR >90%	7.12% pa	7.15% pa
Owner Occupied - IO LVR ≤80%	6.92% pa	6.95% pa
Owner Occupied - IO LVR >80% to ≤90%	7.02% pa	7.05% pa
Owner Occupied - IO LVR >90%	7.12% pa	7.15% pa

Relocation Home Loan

Relocation Home Loan	Interest Rate (p.a.)	Comparison Rate (p.a.)
Bridging Finance up to 12 months (with no end loan)	9.36 % pa	9.39 % pa
Bridging Finance up to 12 months for sale and 30 years for remaining loan (with end loan)	8.21 % pa	8.24 % pa

Car Loans

Car Loans	Interest Rate (p.a.)	Comparison Rate (p.a.)
Affinity Car Loan	6.95 % pa	7.26 % pa
Used Car Loan	10.95 % pa	11.27 % pa

Personal Loans

Personal Loans	Interest Rate (p.a.)	Comparison Rate (p.a.)
Home Improvement Loan	From 9.95 % pa	10.27 % pa
Personal Loan/Debt Consolidation	9.95 % pa	10.27 % pa

Overdrafts

Credit Facility	Interest Rate (p.a.)
Overdraft	From 14.30 % pa

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Important information

Footnotes:

¹ Interest rate is 1% below the Geelong Bank Mutual Home Loan variable rate, (determined by loan to value ratio and repayments) for the first two years of the loan. At the end of two years, the interest rate reverts to the carded Geelong Bank Mutual Home Loan variable rate.
² Comparison rate is based on a secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
³ Eligibility is limited to new borrowings for purchases of dwellings or land on which a dwelling is to be built and refinances from other financial institutions to Geelong Bank’s 1, 2 Home Loan. Geelong Bank may vary or end this offer at any time without notice. Excludes refinances of existing Geelong Bank home loans.
⁴ Personal loan rate applies if vehicles are >5 years old. Loans subject to normal lending criteria and approval and must have manufacturer’s warranty.
⁵ Comparison rates are based on a secured loan of $30,000 over a term of 5 years. WARNING: These comparison rates are 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.

Loan Interest Rates

Current Loan / Credit Facility Interest Rates

Special Rates 1,2 Home Loan

1,2 Home Loan

Mutual Home Loan

Affinity Home Loan

First Home Buyer Loan

1 Year Fixed Rate Home Loan

2 Year Fixed Rate Home Loan

HomeBuilder Loan

Relocation Home Loan

Car Loans

Personal Loans

Overdrafts

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Footnotes:

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