Owner-Occupied Home Loans

We pride ourselves on providing long-term value to our Members, with competitive home loan rates, great product features and local service.

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OMG Home Loan

Our OMG Variable Rate Home Loan offers you excellent value, with a competitive rate, great features and trusted, local service.

2.44% p.a. Variable rate

2.44% p.a. Comparison rate

For principal and interest loans of $150,000 or more, up to 95% of the property value.

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Variable Rate Home Loan

Our variable rate home loan delivers great value, and will suit most home-buyers' eligibility criteria.

3.36% p.a.
Variable rate

3.36% p.a.
Comparison rate

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Line of Credit Loan

If you have equity in your home, you could consider a line of credit home loan and use the money to fund home renovations, a holiday or a new car.

3.49% p.a.
Variable rate

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Fixed Rate Home Loan

Secure a low rate and enjoy the certainty of repayments, with our owner occupied Fixed-Rate home loan.

1.99% p.a.
2 year fixed rate

3.69% p.a.
Comparison rate

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Minimum 5% deposit with the First Home Loan Deposit Scheme

Buy your first home sooner

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Features & eligibility

	OMG	Variable Rate	Fixed Rate Loan	Line of Credit
	Learn more	Learn more	Learn more	Learn more
Maximum term	30 years	30 Years	30 years	N/a
Minimum loan	$150,000	$10,000	$20,000	$250,000
Maximum loan	$1,500,000	$2,500,000	$2,500,000	$2,500,000
Redraw available (excludes Interest only loans)		(Min $1,000 redraw)
Maximum borrowing amount up to the property value (with LMI) Principle and Interest loans	95%	95%	95%	n/a
Maximum borrowing amount up to the property value (without LMI)	80%	80%	80%	80%
100% offset account
Principal and interest
Interest Only available at different interest rates

Interest Rates

Principal and Interest loans	OMG	Variable Rate	Fixed Rate Loan From	Line of Credit
Interest rate	2.44% p.a.	3.36% p.a.	1.99% p.a.	3.49% p.a.
Comparison rate	2.44% p.a.	3.36% p.a.	3.69% p.a.	N/a

Fixed rate loans will revert to the applicable variable rate at the end of the fixed rate period. View all loan interest rates.

Summary of Fees

	OMG	Variable Rate	Fixed Rate Loan	Line of Credit
Establishment fee	$0	$0	$0	$600
Annual fee	$0	$0	$0	$0

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Important information

Credit eligibility criteria, terms & conditions and fees & charges apply and are available upon request.

Comparison rate based on a secured loan of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Lending criteria and fees and charges apply. Terms and conditions apply and are available on request. Rates subject to change.

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