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1300 004 863

Mon-Fri: 8am-5:45pm
Sat: 9.30am-12pm
(branch hours vary)

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1300 551 619

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F (02) 6051 3255

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Rates

Need a home loan?

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Fixed Home Loans

Rates From:
1.99%^pa

Comparison rate*
3.34%pa

^Terms, conditions and lending criteria apply *Click for important information about comparison rate.

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Variable Home Loans

Rates From^
2.29%^*pa

^Terms, conditions and lending criteria apply *Click for important information about comparison rate.

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Term Deposits

100 day special
0.50%pa

Min investment of $5,000+

Learn More

Personal Loans

Rates From
5.95%pa

Comparison rate*
6.16%pa

*Click for important information about comparison rate.

Learn More

Personal Credit Cards

Rates From*
11.95%pa

*Interest rate on purchases

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Personal Savings

Base Rate
0.50%pa

Bonus Rate Conditions apply.

Learn More

Home Loans

Loan Annual Percentage Rate Comparison Rate
HomeBuilder 1.99%2 3.34%1
Flexi Low Rate 2.49% 2.49%1
Flexi Low Rate <70% LVR4 2.29% 2.29%1
Interest Saver 3.75% 3.79%1
Standard Variable Rate 4.40% 4.44%1
1 Year Fixed Rate 1.99% 3.63%1
2 Year Fixed Rate 2.29% 3.53%1
2 Year Fixed Rate <70% LVR3,5  1.99% 3.48%1
3 Year Fixed Rate 2.29% 3.42%1
4 Year Fixed Rate 2.69% 3.42%1
5 Year Fixed Rate  2.89%

3.44%1

Line of Credit 5.30%

N/A

 

Interest rate correct as at 16 November 2020 and subject to change without notice.

These rates are available to owner occupied loans (both refinance and new loans to Hume) with principal and interest repayments with a minimum loan amount of $50,000. The rate may be withdrawn without notice at any time, at which point only approved loans funded with 3 months of the offer end date will continue to be eligible.

1) 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.

2) This offer is available from 10 August 2020 and Hume Bank may vary or end this offer at any time without notice, at which point only approved loans drawn down within the time period specified in the loan contract will continue to be eligible.  This offer is not available in conjunction with any other discount offer, including the Hume Bank Property Package and is available to owner occupied and investment loans for the purpose of renovating or new home construction. The finance application must be submitted and the construction contract finalised before 31 December 2020. The construction or renovation must be on property located within a 150 kilometre radius from the Albury Post Office, 570 Dean Street, Albury NSW 2640. 

3) Rate only available to owner occupied loans on principal and interest repayments with less than or equal to 70% Loan to Value Ratio (LVR). Rate applies to new applications only received from 16/11/2020 for the purpose of a purchase or refinance from another financial institution and is subject to change.

4) Rate only available to new loans making principal and interest repayments borrowing less than or equal to 70% Loan to Value Ratio (LVR) with a minimum loan amount of $50,000. The rate may be withdrawn without notice at any time, at which point only approved loans funded within 3 months of the offer end date will continue to be eligible.

5) All Owner Occupied fixed rate home loans revert to Interest Saver rate at the expiration of the fixed term, except fixed rate packaged loans which revert to 0.70% discount from Standard Variable rate (regardless of balance). 

Access our Home Loan Key Facts Sheet here.

For a copy of our Investment Home Loans, click here.

 

Download a copy

Investment Home Loans

Loan Annual Percentage Rate Comparison Rate1
Investment HomeBuilder 1.99%5 3.71%1
Investment Flexi Low Rate2 2.89%2 2.89%1
Investment Flexi Low Rate <70% LVR2 2.79%2 2.79%1
Investment Standard Variable Rate 5.00% 5.04%
Investment Interest Saver 4.25% 4.29%
Investment Line of Credit3 5.55% N/A
Investment 1 Year Fixed Rate4 2.59% 4.13%
Investment 2 Year Fixed Rate4 2.59% 3.99%
Investment 3 Year Fixed Rate4 2.59% 3.86%
Investment 4 Year Fixed Rate4 3.19% 3.93%
Investment 5 Year Fixed Rate4 3.19% 3.86%

 

Interest rate correct as at 16 November 2020 and subject to change without notice.

1) Comparison rate based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. 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.

2) This rate is available to Investment loans (both refinance and new loans to Hume) with principal and interest repayments with a minimum loan amount of $50,000. The rate may be withdrawn without notice at any time, at which point only approved loans funded with 3 months of the offer end date will continue to be eligible. 

3) As the Investment Line of Credit is interest only for the term of the loan, and the borrower may not have reduced the principal at all by the end of the term, the borrower must consider how they are going to repay the principal sum at the end of the term. Repayment by sale of the owner/occupied property may not be suitable.

4) All investment fixed rate term home loans revert to Investment Interest Saver rate after fixed term except fixed rate packaged loans which revert to 0.70% discount from Investment Standard Variable rate (regardless of balance). 

5) Maximum LVR of 80% for investment loans and minimum loan amount of $50,000 applies. Loan will revert to an Interest Saver or Investment Interest Saver, variable rate at the end of the fixed rate period. This offer is available to new loans to Hume Bank with principal and interest repayments.

Access our Home Loan Key Facts Sheet here.

Download a copy

Personal Loans

Product Annual Percentage Rate Comparison Rate1
Secured Personal Loan* 5.95%  6.16% 
Unsecured Personal Loan 9.95%  10.17% 
Property Package Special 4.95%  4.95% 

Interest rate current as at 20 December 2019 and subject to change without notice.

1WARNING This comparison rate applies only to the examples given and is based on a loan amount of $30,000 over 5 years. Different amounts and terms will result in different comparison rates. 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.

*Hume's Secured Personal Loan can be secured by all registered vehicles aged 5 years and under or a term deposit. Vehicles over 5 years old will receive Hume'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's 'Unsecured Personal Loan' which is based on monthly repayments.

When choosing either a personal loan or a credit card, consideration needs to be given to the features of both types of products, including the interest rates, fees and charges and the purpose for which credit is sought. 

Terms, conditions, fees, charges and lending criteria apply to all products. Information is subject to change without notice. 

Download a copy

Savings and Transaction Accounts

Account Balance  Base Rate Bonus Rate
iSave1 $1 +

0.50%pa

Reward Saver2 $1+ 0.01%pa 0.69%pa
Clancy Koala2 $1+ 0.01%pa 0.89%pa
All Purpose 3 $1+ 0.01%pa N/A
Retirement 3 $1 - $1,999 0.01%pa N/A
  $2,000 - $49,200 0.05%pa N/A
  $49,201+ 0.80%pa N/A

1) Interest is calculated daily and paid monthly.

2) 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.

3) Interest is calculated daily and paid half yearly.

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.

Rates effective from 1 December 2020 and subject to change without notice.

Please refer to our Product Disclosure Statement and Fees & Charges documents for more information. These documents are also available from any Hume branch.

Download a copy

Term Deposits

Term Balance: $1,000 - $4,999 $5,000+
  % p.a % p.a
Specials (interest paid on maturity)    
100 days N/A 0.50%
Interest Annually or on Maturity    
36 months 0.40% 0.65%
24 months 0.40% 0.65%
12 months 0.40% 0.65%
9 months 0.30% 0.50%
6 months 0.25% 0.45%
3 months 0.25% 0.40%
Regular Income (interest paid every 28 days)    
36 Months N/A 0.55%
24 Months N/A 0.55%
12 Months N/A 0.55%
6 Months N/A 0.35%

Rates effective from 4 November 2020 and subject to change without notice.

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.

Terms and conditions apply. Please read the Product Disclosure Statement and Fees and Charges (also available in branch, or by phoning 1300 004 863) and consider whether this product is right for you.

Download a copy

Credit Cards

Card Type Rate on purchases Rate on cash advances
Value Visa 11.95%pa 19.95%pa
Clear Visa 14.95%pa 19.95%pa
Business Visa: Residentially Secured 10.10%pa 19.95%pa
Business Visa: Commercially Secured 10.60%pa 19.95%pa
Business Visa: Unsecured 13.60%pa 19.95%pa

Clear and Value Visa Interest rates current as at 16 August 2019 and are subject to change without notice.

Business Visa Interest rates current as at  16 August 2019 and are subject to change without notice.

Terms, conditions and lending criteria apply. You might also want to consider a Hume personal loan as an option to financing your needs. When choosing either a personal loan or a credit card, consideration needs to be given to the amount of credit you require as well as the features of both types of products, including the interest rates, fees and charges and the purpose for which credit is sought. Government legislation requires us to provide you with a Credit Card Key Facts Sheet when applying for a credit card (available here for personal cards, and here for business cards). These information sheets contain standard product information about Hume credit cards.  Please read the Product Disclosure Statement and Fees and Charges brochures (also available in branch or by phoning 1300 004 863) and consider whether this product is right for you.

Download a copy