Featured rate

Discounted rate available when bundled with our Complete Package

1Y Fixed Rate Owner-occupied

1.99 % p.a. Interest rate 3.11 % p.a. Comparison rate

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Interest Rates

Owner-occupied Fixed rate Comparison rate
Complete Package Fixed Rate (maximum LVR 95%) 1    
1 year 1.99% p.a. 3.11% p.a.
2 year 2.19% p.a. 3.09% p.a.
3 year  2.49% p.a. 3.12% p.a.
5 year 2.59% p.a. 3.12% p.a.  

 

Investment Fixed rate Comparison rate
Complete Package Fixed Rate Investment (maximum LVR 90%) 1    
1 year 2.19% p.a. 3.65% p.a.
2 year 2.39% p.a. 3.59% p.a.
3 year 2.69% p.a. 3.59% p.a.
5 year 2.89% p.a. 3.58% p.a.

 

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


 

Switch your insurance + get a $100 e-gift card 4

 

Get a $100 e-gift card when you take out a new qualifying insurance policy before 31 December! 4

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 : $150

Calculators

Handy tools to get you ready

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.

4 To be eligible for this offer you must be a new or existing MOVE Bank member and take out a new qualifying comprehensive car, home or landlords insurance policy between 05 August and 31 December (Offer Period), online, in-branch or over the phone, and pay upfront or via direct debit (Eligible Customer). A qualifying insurance policy is a new Buildings & Contents Insurance Policy, a Building Only Insurance Policy, a Contents Only Insurance policy, a Comprehensive Car Insurance policy or a Landlords Insurance Policy (Qualifying Insurance Policy). Offer: Eligible Customers will receive a digital $100 Prezzee e-gift card 70 days after taking out their Qualifying Insurance Policy. Eligible Customers must maintain their Qualifying Insurance Policy for a minimum of one month from the day the policy commences to receive the e-gift card. Must use promotional code BONUSGIFT to claim offer online, in-branch or over the phone. Offer excludes renewing policies. MOVE Bank reserves the right to amend or withdraw this offer at any time without notice. Terms and conditions apply, please see full terms and conditions here.

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