Enjoy a range of benefits:


Featured Rate

3Y Fixed Rate Owner-occupied

5.69 % p.a. Interest rate 4.85 % p.a. Comparison rate




$2500 cashback offer

Take out a variable home or investment loan with MOVE Bank before 30 June 2022 and get $2.5K Cashback!$


Calculate your repayments instantly with our handy loan calculator.



Interest Rates


Owner-occupied Fixed rate Comparison rate
Complete Package Fixed Rate (maximum LVR 95%) 1    
1 year 4.49% p.a. 4.44% p.a.
2 year 4.99% p.a. 4.58% p.a.
3 year  5.69% p.a. 4.85% p.a.
5 year 6.09% p.a. 5.27% p.a.  





Handy tools to get you ready




Enjoy a $0 application fee on all your MOVE Bank loans~

Complete Package holders enjoy no establishment fees on future loans with MOVE Bank! So take advantage of our low rate home, car or personal loans today.


Product Features:

Home Loans
Minimum Loan Amount : $50,000 for owner-occupied loans and $100,000 for investment loans
Maximum Loan Amount : $3,000,000
Maximum Loan to Valuation Ratio (LVR) : 80% for P&I loans or 75% for IO loans
Maximum LVR with LMI : 95% for Owner-Occupied Loans and 90% for Investment
Maximum Loan Term : 30 years
Interest Type : Fixed - 1, 2, 3 and 5 years
Repayment Type : Principal and Interest. Interest Only available for investment loans
Interest Only Available : Yes, Interest Only available for investment loans only
Repayment Frequency : Monthly
Offset Account : Yes
Additional Repayments Accepted : Yes
Redraw Facility : Yes
Establishment Fee : $0
Annual Package Fee : $395
Rate Lock Option : Yes
Discharge Fee : $350
Valuation Fee : One free standard valuation up to $205 included
Available for Bridging : No
Available for Construction : No


Important Information:

Loans are issued by Railways Credit Union Limited trading as MOVE Bank ABN 91 087 651 090. AFSL/ Australian credit licence 234536. Available only for new lending to MOVE Bank, excludes internal refinance. Loans Rates current are subject to change. All rates quoted are per annum. Suitability and assessment criteria, fees, charges, terms and conditions apply.

+ For more information about fee-free banking please visit our Fees & Charges page. See Special Services Fees section for overseas ATM withdrawal fees. MOVE Bank does not charge eligible members for ATM transactions, however, individual ATM providers may charge fees for using their service.

*Insurance discount is only available over the phone or in branch. Discount is calculated on the premium and excludes GST and other levies. Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Any advice is general and does not take into account your personal circumstance. Consider the Product Disclosure Statement, available on the relevant insurance product page or by calling 1300 362 216, to see if the product is right for you.

^Other fees and charges apply.  All credit card applications are subject to MOVE Bank’s standard credit assessment and eligibility criteria.

~ Establishment fees waived for current Complete Package holders only. Other fees and charges apply. All loan applications are subject to MOVE Bank’s standard assessment and eligibility criteria. 

$ Offer is open to new variable home or investment loan applications received between 13/04/2022 – 30/06/2022 and settled by 31/08/2022 Minimum loan amount $350,000.Available on MOVE Bank variable rate home and investment loans, excluding the Straightforward 1Y Introductory Offer Home and Investment Loan, and internal refinance. A borrower is eligible for the cashback payment only once during the offer period. Limited time offer available from 13/04/2022 and may be withdrawn or amended at any time without notice. Please refer to our full terms and conditions click here.


  • 1 Reverts to Complete Package Variable Home or Investment Loan at the applicable tier, based on the loan funded amount. Minimum loan amount $50,000 for owner-occupied loans and $100,000 for investment loans.
  • 2 Comparison rate is based on a secured loan of $150,000 for 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 apply. Rates quoted are correct as stated and are subject to change without further notice. All rates quoted are per annum. All applications are subject to MOVE’s standard credit assessment and eligibility criteria.
  • 3 Alternate interest rate and LVR conditions apply to interest only loans. Details are available on application.
  • 4 Additional repayments can be made up to a limit of $10,000 per fixed rate term