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Variable Home Loans

Rates From

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Fixed Home Loans

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Term Deposits

100 day special

Min investment of $5,000+

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Car Loans

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Personal Loans

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Personal Credit Cards

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*Interest rate on purchases

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Personal Savings

Base Rate

Bonus Rate*

Bonus Rate Conditions apply.

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What you'll get

You can lock in your rate for to 1 to 5 years and have the security of knowing exactly what you’ll be paying for that time. Good for budgets and good for protecting yourself from the dreaded rate rises.

Switching your loan to Hume?  For a limited time, refinance and save up to $1,500 in set up costs.1

Lock in a low interest rate for up to 5 years


No monthly or annual fees


Free online redraw on your extra repayments 


Fee-exempt transaction account available



  • Flexibility of repaying up to 25% of the original loan amount in additional payments*

  • Helps you budget to better plan your finances

  • Available under the Hume Property Package for added discounts

*Additional payments up to 25% of the original loan amount as set at the start of the fixed rate period will not incur break costs.
Terms, conditions, fees, charges and normal lending criteria apply.

Interest Rates


Annual Percentage Rate

Comparison Rate*

1 Year Introductory Rate3.80%5.01%
1 Year4.30%5.06%
2 Years3.90%4.92%
3 Years4.09%4.87%
4 Years4.60%4.97%
5 Years4.60%4.93%

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

For investment loan purposes an additional 0.25%pa applies. Terms, conditions, fees, charges and normal lending criteria apply.

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.


Fixed Interest Rate Charges

Application fee
(Waived for loans refinanced to Hume1 - Learn More)
(Waived for loans included in the Hume Property Package
1 - Learn More)

Minimum Loan Amount
(Minimum loan amount $150,000 applies to loans included in Property Package)
No minimum
Maximum Loan Term

30 years

Available under Hume Property Package  - Learn More Yes
Max. Loan Value Ratio (including Lender's Mortgage Insurance Premium)  97%
Additional Repayments3 Yes - Limits apply
Online Redraw Facility Yes - Free Unlimited
Manual Redraw Facility (e.g. in branch)  Yes - One free per month - $25 thereafter 
100% Interest Offset account (learn more) No
Split loan option Yes
Available for construction No
Interest only repayments Yes
Interest in advance Yes

Break cost free
The Break Cost is calculated as follows: (A X E X B)/12 where A is (a) the amount of the early repayment or (b) the balance on your loan on the day the interest rate is varied, E is the difference between Hume’s fixed interest rate for the remainder of the fixed rate period and the fixed rate that applies to your loan, and B is the number of full months left in the fixed rate period.



1) 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.

2) Discount applies to new loans from Hume 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. 

3) Additional repayments can be made at any time, however if the total of the additional payments to the loan exceed the balance at the commencement of the fixed rate period by 25%, a break cost fee may be payable.

Key Facts Sheet