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Call

1300 004 863

Mon-Fri: 8am-5.45pm
Sat: 9am-12pm

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F (02) 6051 3255

Email

E hume@humebank.com.au

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Rates

Variable Home Loans

Rates From
3.70%

Comparison rate*
4.35%

*Click for important information about comparison rate.

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Fixed Home Loans

Rates From:
3.80%pa

Comparison rate*
5.01%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

Car Loans

Rates From
6.95%pa

Comparison rate*
7.13% 

*Click for important information about comparison rate.

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Personal Loans

Rates From
5.50%pa

Comparison rate*
5.50%pa

*Click for important information about comparison rate.

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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

Standard Home Loans

Loan Options Standard Variable Rate Interest Saver Interest Saver5
(2 Year Introductory Special offer) 
Line of Credit2 1 Year Introductory1 1 Year Fixed1  2 Year Fixed1  3 Year Fixed1 4 Year Fixed1  5 Year Fixed1 

Annual Percentage Rate
(owner occupied)

5.10% 4.45% 3.70% 5.20% 3.80% 4.30% 3.90% 4.09% 4.60% 4.60%
Comparison Rate3 5.14% 4.49% 4.35% 5.01% 5.06% 4.92% 4.87% 4.97% 4.93%
Investment Loans Additional

0.25%pa

applies
Additional 0.25%pa applies Additional 0.25%pa applies Additional 0.25%pa applies Additional 0.25%pa applies Additional 0.25%pa applies
Min. Loan amount No minimum $50,000 $150,000 $20,000 $100,000 No minimum
Available under Hume Property Package Yes No No Yes Yes Yes
Special Offers Hume Property Package     See Hume Property Package See Hume Property Package See Hume Property Package
Property Package Discount Discount from SVR
0.70% pa $150,000 or more
0.80% pa $250,000-$499,999*
0.90% pa $500,000+*
    Discount from Line of Credit rate 0.70% pa $150,000 or more 0.80% pa $250,000-$499,999*
0.90% pa $500,000+*
Discount from Introductory Rate 0.10% pa $150,000
or more
Discount from applicable Fixed rate 0.10% pa $150,000+
Limited Offer Property
Package Discount 4
Discount from SVR
0.95% pa $150,000-$249,999
1.05% pa $250,000-$499,999
1.15% pa $500,000+
N/A   Discount from Line of Credit rate
0.95% pa $150,000-$249,999
1.05% pa $250,000-$499,999
1.15% pa $500,000+
Discount from
Introductory Rate
0.10% pa $150,000
or more
Discount from applicable Fixed rate 0.10% pa $150,000+
Owner Occupied Max. LVR
(including LMI premium)
97% 95% 95% 80% 97% 97%

Investment Loan Max. LVR 
(including LMI premium)

85% 85% 85% 80% 85% 85%
Max. term 30 years 30 years 30 years 25 years 30 years 30 years
Additional repayment Yes Yes Yes Yes Yes Limitations may apply
Online Redraw Facility Yes - Free Unlimited Yes - Free Unlimited Yes - Free Unlimited N/A Yes - Free Unlimited Yes - Free Unlimited
Manual Redraw Facility Yes - One free per month
$25 thereafter
Yes - $25 per redraw Yes - $25 per redraw N/A Yes - One free per month $25 thereafter Yes - One free per month $25 thereafter
100% Offset Account Yes No No N/A Yes Not during fixed term
Top up available Yes Yes Yes Yes Yes Not during fixed term
Split loan an option Yes Yes Yes Yes Yes Yes
Avail. for construction Yes Yes Yes No Yes No
Flexible repayments Yes Yes Yes Yes Yes Yes
Chq, Eftpos, Visa Debit & Counter access No No No Yes No No
Interest only Yes Yes Yes Yes Yes Yes
Interest in advance No No No No No Yes
Application fee $600 $600 $600 $600 $600 $600
Top up fee $300 $300 $300 $300 $300 N/A during fixed term
Switch fee $300 $300 $300 $300 $300 N/A during fixed term
Break cost fee N/A N/A N/A N/A N/A Applies

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

2) As the 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.

3) 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.

4) Limited Offer Property Package Discount applies to new loans from Hume applied for 19/09/2016 to 30/11/2016 for the purpose of a purchase or refinance. Amounts refer to the total packaged home loan borrowings. Does not apply to a refinance of a Hume loan. Loans must be funded within 6 months of the offer end date to continue to be eligible. For bridging loans, the loan amount used to determine the applicable discount is the loan amount once the bridging loan has been reduced at the end of the bridging period.

5) The 2 Year Introductory Variable Offer applies to new loans from Hume for the purpose of a purchase or refinance and does not apply to a refinance of an existing Hume loan. Offer expires on 31/12/2016, at which point only approved loans funded within 3 months of the offer end date will continue to be eligible. At the end of the introductory period, the loan reverts back to the Interest Saver rate.

*Discount applies to new loans to Hume from 18/03/2015 for the purpose of a purchase or refinance, where the packaged home loan borrowings total more than these amounts. For bridging loans, the loan amount used to determine the applicable discount is the loan amount once the bridging loan has been reduced at the end of the bridging period

Interest rate correct as at 10 October 2016  and subject to change without notice. 

Refinanced Home Loans

Loan Options Standard Variable Rate Interest Saver Interest Saver6
(2 Year Introductory Special offer) 
Line of Credit2 1 Year Introductory1,5 1 Year Fixed1 2 Year Fixed1 3 Year Fixed1  4 Year Fixed1  5 Year Fixed1 

Annual Percentage Rate
(owner occupied)

5.10% 4.45% 3.70% 5.20% 3.80% 4.30% 3.90% 4.09% 4.60% 4.60%
Comparison Rate3 5.10% 4.45% 4.31% 4.97% 5.02% 4.88% 4.83% 4.93% 4.89%
Investment loans Additional 0.25%pa applies Additional 0.25%pa applies Additional 0.25%pa applies Additional 0.25%pa applies Additional 0.25%pa applies Additional 0.25%pa applies
Min. Loan amount $100,000 $100,000 $150,000 $100,000 $250,000 $100,000
Available under Hume Property Package Yes No No Yes Yes Yes
Owner Occupied Max. LVR
(including LMI premium)
95% 95% 95% 80% 95% 95%

Investment Loan Max. LVR 
(including LMI premium)

85% 85% 85% 80% 85% 85%
Max. term 30 years 30 years 30 years 25 years 30 years 30 years
Additional repayment Yes Yes Yes Yes Yes Limitations may apply
Online Redraw Facility Yes - Free Unlimited Yes - Free Unlimited Yes - Free Unlimited N/A Yes - Free Unlimited Yes - Free Unlimited
Manual Redraw Facility Yes - One free per month
$25 thereafter
Yes - $25 per redraw Yes - $25 per redraw N/A Yes - One free per month $25 thereafter Yes - One free per month $25 thereafter
100% Offset Account Yes No No N/A Yes Not during fixed term
Top up available Yes Yes Yes Yes Yes Not during fixed term
Split loan an option Yes Yes Yes Yes Yes Yes
Avail. for construction Yes Yes Yes No Yes No
Flexible repayments Yes Yes Yes Yes Yes Yes
Chq, Eftpos, Visa Debit & Counter access No No No Yes No No
Interest only Yes Yes Yes Yes Yes Yes
Interest in advance No No No No No Yes
Application fee4 $0 $0 $0 $0 $0 $0
Top up fee $300 $300 $300 $300 $300 N/A during fixed term
Switch fee $300 $300 $300 $300 $300 N/A during fixed term
Break cost fee N/A N/A N/A N/A N/A Applies

1) All fixed rate term home loans revert to standard variable rate (SVR) after fixed term.

2) As the 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.

3) 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.

4) Hume will waive or pay up to $1,500 of the set up costs, which includes the application fee and may also include costs such as registration and discharge of mortgage fees, settlement costs, and second valuations, but excludes costs incurred from your current provider. Refinance offer is only available on loan amounts over $100,000. 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.

5) Hume will waive or pay up to $1,500 of the set up costs, which includes the application fee and may also include costs such as registration and discharge of mortgage fees, settlement costs, and second valuations, but excludes costs incurred from your current provider. Refinance offer is only available on loan amounts over $250,000. This offer expires on the 31st August 2016, at which point only approved loans funded within 3 months of the offer end date will continue to be eligible. Comparison rate based on a secured loan of $150,000 over 25 years. WARNING: The comparison rate is true only for the example 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.

6) The 2 Year Introductory Variable Offer applies to new loans from Hume for the purpose of a purchase or refinance and does not apply to a refinance of an existing Hume loan. Offer expires on 31/12/2016, at which point only approved loans funded
within 3 months of the offer end date will continue to be eligible. At the end of the introductory period, the loan reverts back to the Interest Saver rate.

Interest rate correct as at 10 October 2016  and subject to change without notice.