Mobile Menu



1300 004 863

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

Hume Connect (phone banking)

1300 551 619


F (02) 6051 3255



Contact Us


Variable Home Loans

Rates From^

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

View All

Fixed Home Loans

Rates From:

Comparison rate*

*Click for important information about comparison rate

View All

Term Deposits

100 day special

Min investment of $5,000+

Learn More

Personal Loans

Rates From

Comparison rate*

*Click for important information about comparison rate.

Learn More

Personal Credit Cards

Rates From*

*Interest rate on purchases

View All

Personal Savings

Base Rate

Bonus Rate*

Bonus Rate Conditions apply.

Learn More

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.

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.

We can help get you started

If you're thinking about buying, updating or investing, click below to send us your details and a Lending Specialist will get in touch to talk about your plans.


Interest Rates


Annual Percentage Rate

Comparison Rate*

1 Year Introductory Rate3.99%5.03%
1 Year4.15%5.05%
2 Years3.99%4.93%
3 Years4.10%4.87%
4 Years4.50%4.93%
5 Years4.50%4.89%

Interest rate correct as at 5 December 2018 and subject to change without notice.

Interest rates for investment loan purposes and interest only loans will differ. 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 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)  95%
Additional Repayments2 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) 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. 

2) 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.

For a copy of our Investment Home Loan Rates, click here.

Key Facts Sheet