You'll enjoy: 


1 Year Introductory Offer

Investment $500K+

2.04 % p.a. Interest rate 2.45 % p.a. Comparison rate




$2500 cashback offer

Refinance your home or investment loan to MOVE Bank before 31 October 2021 and get $2.5K cashback!$


Talk to a lending specialist to help you decide which product is right for you.



Interest Rates


Investment Interest rate Comparison rate
Straightforward Home Loan (Maximum LVR 80%)    
$150,000-$499,999 2.54% p.a. 2.58% p.a.
1 Year Introductory Offer $150,000 - $499,999 2.14% p.a. 2.55% p.a.
$500,000+ 2.44% p.a. 2.48% p.a.
1 Year Introductory Offer $500,000+ 2.04% p.a. 2.45% p.a.

Interest only (maximum LVR 75%) is available on request with a premium of 0.20% added to the applicable rate noted above





Handy tools to get you ready




Product Features:

Home Loans
Minimum Loan Amount : 150000
Maximum Loan Amount : $3,000,000
Maximum Loan to Valuation Ratio (LVR) : 80% for P&I loans or 75% for IO loans
Maximum Loan Term : 30
Interest Type : Variable
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 : No
Additional Repayments Accepted : Yes
Redraw Facility : Yes
Establishment Fee : $450
Discharge Fee : $150
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 is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Consider the relevant PDS available in branch or online to see if a product is right for you.

$ Offer is open to new refinance applications submitted between 01/09/2021 – 31/10/2021 and settled on or before 30/11/2021. Minimum loan amount $250,000 or $350,000 for broker referred loans. Available on MOVE Bank home and investment loans, excluding the Lockit 3Y Fixed Rate Home and Investment Loans, internal refinance and interest only loans. A borrower is eligible for the cashback payment only once during the offer period. Limited time offer available from 01/09/2021 and may be withdrawn or amended at any time without notice. Please refer to our full terms and conditions available at here for more information.


  • 1 1 Year Introductory discounted variable rate is available for 12 months from settlement date, after which it reverts to the Straightforward Variable Home or Investment Loan at the applicable tier, based on the loan funded amount. This offer is available on new business for purchases and external refinances from 13 December 2021. Limited time offer and may be withdrawn at any time.
  • 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 Minimum loan amount $150,000. Maximum LVR 80%. Alternate interest rates apply based on the loan purpose (owner-occupied/investment) or loan amount.
  • 4 Alternate interest rate and LVR conditions apply to interest only loans. Details are available on application.