Better choices start with clarity.

The agreed rate and repayment stay fixed for the chosen period. At expiry, refix or move to floating. Extra payments are limited and an Early Repayment Recovery may apply.

The rate and repayments can change. Extra repayments are allowed; minimum repayment requirements and contractual terms still apply.

Combines a loan and transaction account. Interest applies to outstanding debt; within the limit there are no set repayments and funds can be redrawn. Monthly fees apply; the bank may demand repayment or reduce the limit.

Fixed periods range from six months to five years; interest-only may be available subject to criteria. Regular payments may increase by up to $500 fortnightly or $1,000 monthly for the rest of the fixed period. Check other prepayment rules.

Uses a variable rate and can be switched to fixed or combined with fixed lending. Table loans generally have fortnightly or monthly payments; interest-only requires eligibility.

Revolving credit with a floating rate and a fixed credit limit, with no set loan term. Redraw is permitted within the limit; interest accrues daily and is charged monthly. A fixed limit does not mean a fixed interest rate.

A fixed-rate option within Standard. The bank lists up to 5% of the loan balance in extra annual repayments without an early repayment charge; contractual calculation rules and exceptions apply.

A floating-rate option within Standard. Extra or lump-sum payments have no early repayment charge; the rate and repayments may change.

A floating offset loan using linked TotalMoney balances. Repayments normally stay unchanged, so interest savings direct more of each payment to principal.

Floating-rate revolving credit, with interest calculated daily and debited monthly. Deposits and spending change drawn debt; redraw is limited to the approved facility.

Locks the rate for a fixed period. The annual extra-payment allowance is 5% of the balance at the start of that fixed term, including increased payments and lump sums. Exceeding it may incur break costs.

The rate can change. Regular repayments can be increased and extra payments made at any time. Minimum repayments and fees depend on bank terms.

Eligible linked everyday balances reduce interest on a floating loan. Interest is calculated daily and minimum repayments continue. Extra principal paid directly into the loan cannot be redrawn.

Works like an overdraft within a credit limit. The bank lists no set repayments and monthly interest charges; active budgeting and limit management are necessary.

Locks the rate for the fixed period. Check Choices terms and potential costs for early or extra repayment. This is the fixed-rate option within Choices.

Uses a variable rate and allows increased or lump-sum repayments. Confirm fees, redraw and minimum payments under the Choices contract.

Eligible linked balances offset interest while accounts stay separate. Regular repayments remain unchanged, allocating more to principal; linked accounts do not earn interest while linked.

Combines transactions and revolving borrowing for deposits and payments. Redraw is limited by available credit and contract terms. Limits, rates and repayment obligations follow the specific Choices Everyday terms.

Fixed-rate Table Loan repayments include principal and interest. Early repayment during the fixed period may incur break costs; at expiry the loan can be refixed or moved to floating.

A floating-rate Table Loan. The bank lists lump-sum payments of any size at any time without extra charges. Rate changes can affect repayments.

A floating revolving facility charging interest only on drawn funds, calculated daily and charged monthly. The bank lists a maximum 25-year term; transactions must stay within the approved limit.

Links a dedicated Offset savings account and calculates daily interest on the net difference. Scheduled repayments continue. The linked savings earn no interest, including any excess over the loan balance.

The bank lists fixed periods from six months to five years and total terms from six months to 30 years. Eligibility for fixed-rate and interest-only arrangements requires bank confirmation.

The rate may change. The bank lists additional lump-sum repayments without penalty. Table-loan or eligible interest-only repayment arrangements may be used.

Uses a specified repayment-account balance to offset interest on floating lending. The official page confirms the product; check current offset limits, account eligibility and repayment conditions rather than importing another bank’s rules.

The residential home-loan table lists terms of 6, 12, 18, 24, 36, 48 and 60 months, with Standard and Non-standard pricing. These are terms and pricing categories, not separate products. Rates are not reproduced here.

The official page explicitly lists floating-rate residential lending, with pricing based on borrowing, term, income and credit. Its update date is unknown; confirm current terms directly.