Featured rate

Discounted rate available when bundled with our Complete Package

Variable Owner-occupied $750K+

2.70 % p.a. Interest rate 3.13 % p.a. Comparison rate

Bundled Home Loan Benefits


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.


Interest Rates

Owner-occupied Interest rate Comparison rate
Complete Package Variable (maximum LVR 95%)    
$50,000-$249,999 3.00% p.a. 3.43% p.a.
$250,000-$499,999 2.90% p.a. 3.33% p.a.
$500,000-$749,999 2.80% p.a. 3.23% p.a.
$750,000+ 2.70% p.a. 3.13% p.a.  


Investment Interest rate Comparison rate
Complete Package Variable Investment (maximum LVR 90%)    
$100,000-$249,999 3.59% p.a. 4.00% p.a.
$250,000-$499,999 3.49% p.a. 3.90% p.a.
$500,000-$749,999 3.39% p.a. 3.81% p.a.
$750,000+ 3.29% p.a. 3.71% 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 : $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 : 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 : Yes
Redraw Facility : Yes
Establishment Fee : $0
Annual Package Fee : $395
Redraw Fee : $0
Discharge Fee : $150
Available for Bridging : Yes
Available for Construction : Yes

$2500 cashback offer

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

Give yourself a gift; get covered with insurance through MOVE Bank!*

Purchase a new qualifying insurance policy through MOVE Bank before 31 May 2022 and get a$100 Prezzee e-gift card.*



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. 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. Minimum premiums may apply. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium, we may also limit any increases or decreases in your premium by considering factors including at renewal your previous year’s premium amount. When you purchase your policy and at renewal you may not receive the full discount based on the premium calculation process. For Landlord policies, this discount will not apply to the cost of the liability cover under those policies.

^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.

*To be eligible for this offer you must be an existing MOVE Bank member aged 18 years or over and take out a new qualifying comprehensive car, home or landlords insurance policy between 01 April and 31 May 2022 (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, a Landlords Building and Contents Insurance policy, or a Landlords Building Only Insurance Policy (Qualifying Insurance Policy). Offer: Eligible Customers will be emailed a digital $100 Prezzee e-gift card within 90 days of 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. One e-gift card per Qualifying Insurance Policy MOVE Bank reserves the right to amend or withdraw this offer at any time without notice. Offer is subject to terms, conditions and underwriting criteria, please see full terms and conditions click here.

$ 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.