Rates Announcement – 3 September 2026

We’ve made some changes to selected new business Home Loan interest rates, Savings Plus interest rates and Term Deposit interest rates, effective Thursday, 3 September 2026.

Here’s a summary of what’s changing.

What’s changing?

Home Loans

Effective from September 3, 2026, interest rates on selected new business home loan products will decrease as follows:

Goldrate Home Loans

  • Variable Rates for owner occupied and investment lending up to 80% LVR^ will decrease by 0.10% p.a.
  • 3 Year Fixed Rates for owner occupied and investment lending up to 80% LVR will decrease by 0.30% p.a.
  • No changes will apply to higher LVR tiers or existing home loans.

Police Value Home Loans

  • Variable Rates for owner occupied lending up to 90% LVR will decrease by 0.10% p.a.
  • Variable Rates for investment lending up to 80% LVR will decrease by 0.10% p.a.
  • 3 Year Fixed Rates for owner occupied lending up to 90% LVR will decrease by 0.30% p.a.
  • 3 Year Fixed Rates for investment lending up to 80% LVR will decrease by 0.30% p.a.
  • No changes will apply to higher LVR tiers or existing home loans.

Savings Plus

Effective from September 3, 2026, interest rates on all Savings Plus tiers will decrease by 0.10% p.a. as follows:

  • Tier 1: 1.00% p.a. → 0.90% p.a.
  • Tier 2: 1.75% p.a. → 1.65% p.a.
  • Tier 3: 4.50% p.a. → 4.40% p.a.
  • Tier 4: 0.50% p.a. → 0.40% p.a.

Term Deposits*

Effective from September 3, 2026, the 4 Month Term Deposit rate will increase from 5.10% p.a. to 5.25% p.a.

*Interest is paid at maturity and rates may differ slightly depending on interest payment frequency.

Information and interest rates are current as at the date of publication and are subject to change.

For more information on changes to our interest rates, and relevant comparison rates, visit our Interest Rates page.

Terms and conditions, lending and eligibility criteria apply and are available here.

^LVR stands for loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.