Featured Rate

Owner-Occupied (1 Year)

Owner Occupied 1 Year Fixed 6.09 % p.a. Interest rate 6.18 % p.a. Comparison rate


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Product Features:

Home Loans
Minimum Loan Amount : $100,000
Maximum Loan Amount : $3,000,000
Maximum Loan to Valuation Ratio (LVR) : 80% for P&I loans or 80% for IO loans
Maximum LVR with LMI : 95% for Owner-Occupied Loans and 90% for Investment
Maximum Loan Term : 30 years
Interest Type : Fixed - 1, 2, 3 and 5 years
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
Additional Repayments Accepted : Yes
Redraw Facility : Yes
Establishment Fee : $600
Rate Lock Option : Yes
Discharge Fee : $350
Available for Bridging : No
Split Fee : $50
Available for Construction : No
Owner-occupied Interest rate Comparison rate
Offset Fixed Home Loan (Maximum LVR 95%)    
1 year fixed   6.09% p.a.   6.18% p.a.
2 years fixed   6.04% p.a.   6.17% p.a.
3 years fixed   5.99% p.a.   6.15% p.a.
5 years fixed 6.14% p.a. 6.19% p.a.


Interest Only available for Owner-Occupier construction loans for a maximum of 12 months3.

Investment Interest rate Comparison rate
Offset Fixed Home Loan (Maximum LVR 90%)    
1 year fixed   6.39% p.a.   6.48% p.a.
2 years fixed   6.34% p.a.   6.47% p.a.
3 years fixed 6.29% p.a. 6.45% p.a.
5 years fixed 6.44% p.a. 6.49% p.a.


Interest Only available for Investment loans for a maximum of 5 years3. A premium of 0.20% is added to the applicable rate noted above.


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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 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.