Featured Rate

3 Year Fixed Rate Owner-Occupied

5.99 % p.a. Interest rate 7.05 % p.a. Comparison rate



Bundled Home Loan Benefits

More great reasons to choose MOVE Bank


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.

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 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 : $0
Annual Package Fee : $395
Rate Lock Option : Yes
Discharge Fee : $350
Valuation Fee : One free standard valuation up to $205 included
Available for Bridging : No
Available for Construction : No
Owner-occupied Fixed rate Comparison rate
Complete Package Fixed Rate (maximum LVR 95%) 1    
1 year 6.24% p.a. 7.26% p.a.
2 year 6.24% p.a. 7.18% p.a.
3 year  5.99% p.a. 7.05% p.a.
5 year 6.64% p.a. 7.18% p.a.  


Investment Fixed rate Comparison rate
Complete Package Fixed Rate Investment (maximum LVR 90%) 1    
1 year 6.24% p.a. 7.77% p.a.
2 year 6.44% p.a. 7.68% p.a.
3 year 6.19% p.a. 7.51% p.a.
5 year 6.84% p.a. 7.58% p.a.


Interest only (maximum LVR 80%) is available on request with a premium of 0.20% added to the applicable rate noted above

How much would my repayments be?

Other calculators

Need more information?

Find out more details about this home loan

Connect with a lender

Our experienced Lending Specialists are here to help

Ready to make the move?

Complete an easy online application today

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.