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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


E [email protected]

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Need a home loan?

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Fixed Home Loans

Rates From:

Comparison rate*

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

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Variable Home Loans

Rates From^

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

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Term Deposits

100 day special

Min investment of $5,000+

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Personal Loans

Rates From

Comparison rate*

*Click for important information about comparison rate.

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Personal Credit Cards

Rates From*

*Interest rate on purchases

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Personal Savings

Base Rate

Bonus Rate Conditions apply.

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Save the hunting for the house,
not the loan.

Customers can access our 2 Year Fixed home loan at 1.99% p.a^ (comparison rate 3.48% p.a*) when you are an owner occupier making principal and interest repayments with less than or equal to 70% Loan to Value Ratio (LVR).


For customers where LVR is higher than 70%, the 2 Year Fixed rate is 2.19% p.a (comparison rate 3.51% p.a*).

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

  • Loans above >70% LVR available under the Hume Bank 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 Year1.99%3.63%
2 Years2.19%3.51%
2 Years <70% LVR1.99%3.48%
3 Years2.19%3.39%
4 Years2.49%3.37%
5 Years2.69%3.37%

Interest rate correct as at 14 December 2020 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.

^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.

*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.

Local Mobile Lend-gends.

We care for our customers and their communities. If you're looking to buy, update or invest, we can help. 

Book an appointment online with one of our expert Mobile Lend-gends,
they’ll tailor your home loan to what you need.

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Home Loan Calculators

Home Loan Calculators

Calculate your borrowing power, how much you could save with extra repayments and more.



Fixed Interest Rate Charges

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

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

30 years

Available under Hume Bank 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 - $30 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 Bank'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 Bank 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