Interest rates

Home loans

liteBlue Variable Rate

Owner occupier

Loan	Annual percentage rate	Comparison rate (p.a.)
liteBlue Variable Rate <=60% LVR	5.49%^{^}	5.50%^{^^}
liteBlue Variable Rate 60.01% <= 80% LVR	5.59%^{^}	5.60%^{^^}
liteBlue Variable Rate 80.01 <= 90% LVR	5.79%^{^}	5.80%^{^^}
liteBlue Variable Rate 90.01% <= 95% LVR	6.19%^{^}	6.20%^{^^}

Investor

Loan	Annual percentage rate	Comparison rate (p.a.)
liteBlue Investor Variable Rate <=60% LVR	5.64%^{^}	5.65%^{^^}
liteBlue Investor Variable Rate 60.01% <=80% LVR	5.74%^{^}	5.75%^{^^}
liteBlue Investor Variable Rate 80.01% <=90% LVR	5.94%^{^}	5.95%^{^^}

myBlue Variable Rate

Owner occupier

Loan	Annual percentage rate	Comparison rate (p.a.)
myBlue Variable Rate <=60% LVR	5.59%^{^}	5.59%^{^^}
myBlue Variable Rate 60.01% <=80% LVR	5.69%^{^}	5.69%^{^^}
myBlue Variable Rate 80.01 <=90% LVR	5.89%^{^}	5.89%^{^^}
myBlue Variable Rate 90.01% <=95% LVR	6.29%^{^}	6.29%^{^^}

Investor

Loan	Annual percentage rate	Comparison rate (p.a.)
myBlue Investor Variable Rate <=60% LVR	5.74%^{^}	5.74%^{^^}
myBlue Investor Variable Rate 60.01% <=80% LVR	5.84%^{^}	5.84%^{^^}
myBlue Investor Variable Rate 80.01% <=90% LVR	6.04%^{^}	6.04%^{^^}

myBlue Fixed Rate

Owner occupied

Loan	Annual percentage rate	Comparison rate (p.a.)
myBlue 1 Year Fixed Rate <60% LVR	5.09%^{^}	5.54%^{^^}
myBlue 2 Year Fixed Rate <60% LVR	4.99%^{^}	5.48%^{^^}
myBlue 3 Year Fixed Rate <60% LVR	4.99%^{^}	5.43%^{^^}
myBlue 4 Year Fixed Rate <60% LVR	5.55%^{^}	5.58%^{^^}
myBlue 5 Year Fixed Rate <60% LVR	5.55%^{^}	5.57%^{^^}

Investment

Loan	Annual percentage rate	Comparison rate (p.a.)
myBlue 1 Year Fixed Rate <60% LVR	5.28%^{^}	5.69%^{^^}
myBlue 2 Year Fixed Rate <60% LVR	5.18%^{^}	5.63%^{^^}
myBlue 3 Year Fixed Rate <60% LVR	5.18%^{^}	5.59%^{^^}
myBlue 4 Year Fixed Rate <60% LVR	5.74%^{^}	5.74%^{^^}
myBlue 5 Year Fixed Rate <60% LVR	5.74%^{^}	5.74%^{^^}

Things you should know

Rates, fees and charges and other information correct as at 20 June 2025 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

Download a copy of our Owner occupier home loan rates and/or our Investor home loan rates.

Access our Home Loan Key Facts Sheet. Download our Application Checklist to help make the application process as smooth as possible.

^ Interest rate is only available to owner-occupied loans on liteBlue and myBlue principal and interest repayments with less than or equal to 60% Loan to Value Ratio (LVR). Interest rates for investment loan purposes, interest only loans and other applicable LVR tiers will differ.

^^ Comparison rate based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Personal loans

Product	Annual percentage rate	Comparison rate (p.a.)
Secured personal loan⁺⁺	8.49%	8.70%⁺
Unsecured personal loan	12.49%	12.71%⁺

Things you should know

Rates, fees and charges and other information correct as at 30 May 2024 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

⁺ Comparison rate based on a secured personal loan of $30,000 over 5 years. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

⁺⁺Hume Bank’s Secured Personal Loan can be secured by all registered vehicles aged 10 years and under or a term deposit. Vehicles over 5 years old will receive Hume Bank’s Unsecured PL Rate. Loans exceeding a 5 year term will be subject to a negotiated interest rate and comparison rate. All rates quoted are for secured loans apart from Hume Bank’s ’Unsecured Personal Loan’ which is based on monthly repayments.

Download a copy of the Personal loan and credit cards rates.

Savings & transactions

iSave account

Account balance	Interest rate (p.a.)
$1+	2.75%^*

Reward Saver account

Account balance	Rate type	Interest rate (p.a.)
$1+	Base rate	0.01%
$1+	Bonus rate	4.54%^**
$1+	Total (Base + Bonus)	4.55%

Clancy Koala account

Account balance	Rate type	Interest rate (p.a.)
$1+	Base rate	0.01%
$1+	Bonus rate	4.54%^**
$1+	Total (Base + Bonus)	4.55%

All Purpose account

Account balance	Interest rate (p.a.)
$1+	0.01%^***

Retirement account

Account balance	Interest rate (p.a.)
$1 - $49,999	1.10%^***
$50,000 - $249,999	1.40%^***
$250,000+	2.40%^***

Things you should know

Rates, fees and charges and other information correct as at 6 June 2025 and may change without notice.

Terms, conditions, fees, charges and eligibility criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product go to Target Market Determinations.

Download a copy of our Personal account rates. Find out how to reduce your fees and charges.

Unapproved debit balances incur interest at 15.90% p.a. calculated daily on full closing balance and debited on the last calendar day of each month.

^* Interest is calculated daily and paid monthly.

^** Interest is calculated daily and paid monthly. Bonus interest is calculated daily and paid monthly provided that $10 or more was deposited and no withdrawals were made in the month. Deposits must be made by 5pm on the last day of the month to earn bonus interest.

^*** Interest is calculated daily and paid on maturity.

Chequebook access only available on accounts that have an existing cheque facility attached with a chequebook issued prior to 30 June 2025.

Term deposits

Earn interest annually or on maturity

For Term Deposits above $1,000,000 reach out to discuss rates.

Term (Interest rate p.a.)	Balance of $1,000+
3 months	3.15%
100 days	4.15%
6 months	4.05%
9 months	3.95%
12 months	3.85%
24 months	3.80%
36 months	3.80%

Earn a regular income (interest paid every 28 days)

Term (Interest rate p.a.)	Balance of $5,000+
6 months	3.95%
12 months	3.75%
24 months	3.70%
36 months	3.70%

Things you should know

Rate, fees and charges and other information correct as at 6 June 2025 and may change without notice.

Terms, conditions, fees, charges and eligibility criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product go to Target Market Determinations.

All rates are % per annum. Unapproved debit balances incur interest at 15.90% p.a. calculated daily on full closing balance and debited on the last calendar day of each month.

Download a copy of the Term deposits rates. Find out how to reduce your fees and charges. Download a copy of our Term Investment Renewal Form.

Credit cards

Hume Value Visa credit card

Transaction type	Interest rate (p.a.)
Purchases	11.95%
Cash advances	19.95%

Hume Clear Visa credit card

Type	Interest rate (p.a.)
Purchases	14.95%
Cash advances	19.95%

Things you should know

Rates, fees and charges and other information correct as at 30 May 2024 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement, Conditions of Use and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

Download a copy of our Personal loan & credit card rates.

Business Visa credit card

Security type	Interest rate on purchases (p.a.)	Interest rate on cash advances (p.a.)
Residential	10.10%	19.95%
Commercial	10.60%	19.95%
Unsecured	13.60%	19.95%

Things you should know

Rates, fees and charges and other information correct as at 30 May 2024 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement, General Conditions, Conditions of Use and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

Cards available to approved applicants only. Guarantees may be required from directors, partners or officers of the business. Government legislation requires us to provide you with a Credit Card Key Facts Sheet when applying for a credit card. This information sheet contains standard product information about Hume Bank credit cards.

Frequently asked questions

When will I find out if my variable interest rate or repayment is changing?
If the variable interest rate on my loan increases do I need to increase my repayments?
Do I need to increase my repayments if I’m ahead on my home loan payments?
How do I change my future home loan repayments?
If you have a recurring payment set up to transfer funds from your Hume Bank account to your home loan account, you can increase your payment in iBank or our App.
- iBank:
  Login> Select ‘Transact’ > Future Payments > Options> Change > then follow the prompts
- App:
  Login > Select ‘Payments’ > Future Payments > Select the payment you want to change, then follow the prompts
If you don’t have access to iBank or the Hume Bank App, you can call us on 1300 004 863 or visit one of our branches to adjust the recurring payment.

For recurring payments from a non-Hume Bank account, you’ll need to contact the bank you are transferring from.
What do I do if I can’t afford my new repayments?
Can I review and change my home loan?
If I’m on a variable rate, how can I change to a fixed rate, and how long does it take?
If I’m on a fixed rate, will I be impacted by any variable rate changes?
What if I’m in the process of applying for a home loan, what happens to my interest rate?
Will deposit rates like term deposits also be reviewed?

Home loans

liteBlue Variable Rate

myBlue Variable Rate

myBlue Fixed Rate

Things you should know

Personal loans

Things you should know

Savings & transactions

iSave account

Reward Saver account

Clancy Koala account

All Purpose account

Retirement account

Things you should know

Term deposits

Things you should know

Credit cards

Hume Value Visa credit card

Hume Clear Visa credit card

Things you should know

Business Visa credit card

Things you should know

Frequently asked questions

When will I find out if my variable interest rate or repayment is changing?

If the variable interest rate on my loan increases do I need to increase my repayments?

Do I need to increase my repayments if I’m ahead on my home loan payments?

How do I change my future home loan repayments?

What do I do if I can’t afford my new repayments?

Can I review and change my home loan?

If I’m on a variable rate, how can I change to a fixed rate, and how long does it take?

If I’m on a fixed rate, will I be impacted by any variable rate changes?

What if I’m in the process of applying for a home loan, what happens to my interest rate?

Will deposit rates like term deposits also be reviewed?