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Call

1300 004 863

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

Hume Connect (phone banking)

1300 551 619

Fax

F (02) 6051 3255

Email

E hume@humebank.com.au

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Rates

Variable Home Loans

Rates From ^
3.59%^#pa

Comparison rate*
4.86%pa

^#This rate is only available on new loans with principal and interest repayments on loan amounts over $50,000 *Click for important information about comparison rate.

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Fixed Home Loans

Rates From:
3.99%pa

Comparison rate*
5.03%pa

*Click for important information about comparison rate

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Term Deposits

100 day special
2.40%pa

Min investment of $5,000+

Learn More

Personal Loans

Rates From
7.95%pa

Comparison rate*
8.13%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
1.50%pa

Bonus Rate*
0.60%pa

Bonus Rate Conditions apply.

Learn More

Home Loans

Loan Annual Percentage Rate Comparison Rate1
Standard Variable Rate 2 Year Discount 3.59%^# 4.86%
Flexi Low Rate 3.79%^ 3.83%
Interest Saver 4.45% 4.49%
Standard Variable Rate 5.10% 5.14%
First Home Starters Package 2 3.49% 4.62%
1 Year Fixed Rate 4.15% 5.05%
2 Year Fixed Rate 3.99% 4.93%
3 Year Fixed Rate 4.10% 4.87%
4 Year Fixed Rate 4.50% 4.93%
5 Year Fixed Rate 4.50%

4.89%

Line of Credit 5.80%

-

 

Interest rate correct as at 2 October 2018 and subject to change without notice.

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) The First Home Starters Package offer applies to first home buyer applicants who have not previously purchased a property. This offer is not available for any home loan refinance, variation or change of loan purpose of any existing Hume home loan. This offer is available from 23 October 2017 until withdrawn by Hume. To be eligible for the offer, customers must apply during the Offer Period, be approved and funded within the time period set out in their loan offer.

^This rate is only available on new loans with principal and interest repayments on loan amounts over $50,000

#This offer applies to new loans with Principal & Interest repayments for the purpose of a purchase or refinance and does not apply to a refinance of an existing Hume loan. 

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

 

Download a copy

Investment Home Loans

Loan Annual Percentage Rate Comparison Rate1
Investment Standard Variable Rate 2 Year Discount 3.89% ** 5.32%
Investment Flexi Low Rate2 4.09% 4.13%
Investment Interest Saver 4.85% 4.89%
Investment Standard Variable Rate 5.60% 5.64%
Investment Line of Credit3 6.05%
Investment 1 Year Fixed Rate4 4.39% 5.52%
Investment 2 Year Fixed Rate4 4.24% 5.38%
Investment 3 Year Fixed Rate4 4.34% 5.30%
Investment 4 Year Fixed Rate4 4.80% 5.36%
Investment 5 Year Fixed Rate4 4.80% 5.30%

 

Interest rate correct as at 2 October 2018 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 offer applies to new loans with Principal & Interest repayments for the purpose of a purchase or refinance and does not apply to a refinance of an existing Hume loan. This offer 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. 

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 standard variable rate (ISVR) after fixed term except fixed rate packaged loans which revert to 0.70% discount from ISVR(regardless of balance) at the expiration of the fixed term. 

**This offer applies to new loans with Principal & Interest repayments for the purpose of a purchase or refinance and does not apply to a refinance of an existing Hume loan.

Download a copy

Personal Loans

Product Annual Percentage Rate Comparison Rate1
Secured Personal Loan* 7.95%  8.13% 
Unsecured Personal Loan 12.95%  13.14% 
Property Package Special 5.95%  5.95% 

Interest rate current as at 10 January 2018 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 $5,000+

1.50%pa

0.60%pa
Reward Saver2 $1+ 0.01%pa 1.85%pa
Clancy Koala3 $1+ 0.01%pa 2.49%pa
Christmas Club4 $1+ 0.50%pa N/A
Cash Management5 $5,000 - $99,999 0.10%pa N/A
  $100,000 - $499,999 0.50%pa N/A
  $500,000+ 1.00%pa N/A
All Purpose6 $1+ 0.01%pa N/A
Retirement6 $1 - $1,999 0.01%pa N/A
  $2,000 - $49,200 1.00%pa N/A
  $49,201+ 2.25%pa N/A

1) Interest is calculated daily and paid monthly where the balance is $5,000 or more. Bonus interest is calculated daily and paid monthly on balances of $5,000 or more in addition to the standard interest rate provided that $50 or more was deposited and no withdrawals were made in the month.

2) Interest is calculated daily and paid monthly.

3) 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.

4) Interest is calculated daily and paid annually on the 31st of October.

5) Interest is calculated daily and paid quarterly.

6) 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 February 2018 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+
Specials (interest paid on maturity)    
100 days N/A 2.40%
Interest Annually or on Maturity    
36 months 2.60% 2.70%
24 months 2.50% 2.60%
12 months 2.30% 2.40%
9 months 2.00% 2.10%
6 months 2.00% 2.10%
5 months 1.90% 2.00%
4 months 1.90% 2.00%
3 months 1.90% 2.00%
2 months 1.70% 1.80%
1 month 1.50% 1.60%
Regular Income (interest paid every 28 days)    
36 Months N/A 2.60%
24 Months N/A 2.50%
12 Months N/A 2.30%
6 Months N/A 2.00%

Rates effective from 30 July 2018 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 17.95%pa
Clear Visa 14.95%pa 17.95%pa
Business Visa: Residentially Secured 10.10%pa 17.95%pa
Business Visa: Commercially Secured 10.60%pa 17.95%pa
Business Visa: Unsecured 13.60%pa 17.95%pa

Clear and Value Visa Interest rates current as at 24 April 2017 and are subject to change without notice.

Business Visa Interest rates current as at  16 September 2016 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