Mobile Menu



1300 004 863

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


F (02) 6051 3255



Contact Us


Variable Home Loans

Rates From

Comparison rate*

*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

Car Loans

Rates From

Comparison rate*

*Click for important information about comparison rate.

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

A convenient option for investors, our line of credit allows you to draw on your funds at any time within a set limit and term. Repay as much or as little as you like until the end of the term when the balance is due. Funds are borrowed against the equity in your home or investment property.

Flexible access to credit


No Monthly Access Fees


Visa Debit Card with PayWave available 


Make extra repayments at any time



  • Cashcard or chequebook access available

  • Four free monthly withdrawals at remote Westpac group ATMs when you're out of Hume's network3

  • Access anywhere any time with fully featured internet banking, phone app and telephone banking

Interest Rate

Annual Percentage Rate


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.


 Line of Credit Charges

Application Fee
(Waived for loans refinanced to Hume1 - learn more)
(Waived for loans included in the Hume Property Package1 - learn more)

Top up fee (Waived for loans included in the Hume Property Package - learn more) $300
Switch fee (Waived for loan included in the Hume Property Package - learn more) 300

Minimum Loan Amount 
(Minimum loan amount $150,000 applies to loans included in the Hume Property Package1)

Available under Hume Property Package - learn more Yes
Maximum Loan Term 25 years
Max. loan value ratio (including Lender's Mortgage Insurance Premium) 80%
Additional Repayments Yes
Split loan option  Yes
Available for construction  No
Flexible repayments  Yes
Interest Only Repayments  Yes
Interest in advance  Yes
Break cost fee  N / A
Transaction fees  
Withdrawal - Remote Westpac ATM3 Four free then - $1.50 per month
Withdrawal - Local Westpac Group ATM3 $1.50
Enquiry - Any Westpac Group ATM $1.00


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) Local Westpac Group ATMs are Westpac Group ATMs in cities and towns where Hume has an ATM. Remote Westpac Group ATMs are those Westpac Group ATMs outside cities and towns where Hume has an ATM. Remote Westpac Group ATMs can be found using our ATM locator.

Please read the Product Disclosure Statement and Fees and Charges (available in branch, by phoning 1300 004 863 or here) and consider whether this product is right for you.