Choose a home loan right for you.
For many Australians, owning a home isn’t just about the bricks and mortar — it’s about living a dream of safety, security, stability, and connection. We are here to help make that happen.
Choose from Summerland Bank’s range of competitive fixed and variable home loan rates to get the right fit for your needs. Applying online or in-branch is easy, and you’ll love the difference of a community-owned bank with all the bells and whistles.
Eco Home Loan
5.44% p.a. | 5.49% p.a.
Variable rate1 | Comparison rate³
Ideal for the conscious consumer, this loan is specially designed for borrowers looking to make an environmentally sustainable purchase while keeping their rates low.
Basic Home Loan
5.54% p.a. | 5.59% p.a.
Variable rate1 | Comparison rate³
Keep things simple with a variable home loan featuring generous redraw options and a low ongoing rate.
Premium Home Loan
5.59% p.a. | 5.97% p.a.
Variable rate2 | Comparison rate³
Take things up a notch with our Premium Home Loan offering. Perks like offset and pricing concession on products such as credit card.
Fixed Rate Loan
4.99% p.a. | 6.16% p.a.
2 year Fixed rate1,4 | Comparison rate³
For ultimate peace of mind, a fixed rate loan gives you certainty on upcoming repayments and the flexibility of a redraw.
Equity Extra Overdraft 9.47% p.a.
Variable rate5
For ultimate peace of mind, a fixed rate loan gives you certainty on upcoming repayments and the flexibility of a redraw.
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The legal stuff
1.Eligibility for the advertised rate: Minimum new loan amount $150,000, principal and interest repayments only. Maximum LVR 60%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
2. Eligibility for the advertised rate: Minimum new loan amount $500,000, principal and interest repayments only. Maximum LVR 60%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
3. Comparison rate is based on a loan of $150,000 over 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.
4. Loan reverts to applicable variable rate on maturity of the fixed period.
5.Rate applicable to owner occupied. A different rate applies for investment. See our rates chart or contact us for more information.
6. Although this product has no set minimum repayments, customers should aim to repay their overdraft as soon as possible to minimise any fees and interest.
Rates are subject to change. Conditions, fees, and eligibility criteria may apply, see us for details. Terms and Conditions available upon request.
Target market determination available on request at our branches.
