Up to $4K cashback + waived application fee~

Straightforward Home Loan

New Business Owner-occupied $500K+ 

3.14 % p.a. Interest rate 3.19 % p.a. Comparison rate

Home Loan Benefits


Interest Rates

Owner-occupied Interest rate Comparison rate
Straightforward Home Loan (Maximum LVR 80%)    
$150,000-$499,999 (New Business) 3.24% p.a.   3.29% p.a.
$500,000+ (New Business) 3.14% p.a. 3.19% p.a.


Investment Interest rate Comparison rate
Straightforward Home Loan (Maximum LVR 80%)    
$150,000-$499,999 (New Business) 3.39% p.a. 3.44% p.a.
$500,000+ (New Business) 3.29% p.a. 3.34% p.a.


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


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 : $600
Discharge Fee : $350
Available for Bridging : No
Available for Construction : No


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.

~Offer is open to new MOVE Bank variable home or investment loan applications (excluding internal refinance) received between 01/08/2022 – 30/10/2022 and settled by 31/12/2022. The $2.5K cashback is available to eligible applications for a variable loan amount of between $350,000 and $749,999 and the $4K cashback is available to eligible applications for a minimum variable loan amount of $750,000. A borrower is eligible for the cashback payment only once during the offer period. Limited time offer available from 01/08/2022 and may be withdrawn or amended at any time without notice. Please refer to our full terms and conditions available at for more information.

+ 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.