Featured rate

Discounted rate available when bundled with our Complete Package

Variable Owner-occupied $750K+

2.45 % p.a. Interest rate 2.89 % 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 2.75% p.a. 3.18% p.a.
$250,000-$499,999 2.65% p.a. 3.08% p.a.
$500,000-$749,999 2.55% p.a. 2.99% p.a.
$750,000+ 2.45% p.a. 2.89% p.a.  


Investment Interest rate Comparison rate
Complete Package Variable Investment (maximum LVR 90%)    
$100,000-$249,999 3.34% p.a. 3.76% p.a.
$250,000-$499,999 3.24% p.a. 3.66% p.a.
$500,000-$749,999 3.14% p.a. 3.56% p.a.
$750,000+ 3.04% p.a. 3.46% 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

Tick insurance off your to-do list and get rewarded!*

Get a $100 Prezzee e-gift card with any new qualifying comprehensive car, home or landlord insurance policy taken out before 30 November 2021!*


$2500 cashback offer

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


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.

~ 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 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.

*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 October and 30 November 2021 (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 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 visit click here.